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How much is car insurance in Johns Island?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of South Carolina are about $11 a month cheaper than the rates drivers pay in Johns Island.
Similarly, Johns Island residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $34 more expensive for coverage in Johns Island than the average rates for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Johns Island, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rate for Johns Island residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $148 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to increase again in Johns Island.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Johns Island is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will obviously pay a lot less than those with infractions. The rate for drivers in Johns Island with a single accident on their record is about $157 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $107.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$108|
If you look at the first table above, the cheapest vehicles to insure in Johns Island are by and large SUVs, at $103 per month.
Truck and van drivers will see rates of about $131, while the rates for SUV owners average out to about $103 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Johns Island, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$126|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Johns Island, with married couples paying about $30 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$151|
Your living accommodations is another factor that affects your monthly rate. In Johns Island, homeowners can expect to pay around $38 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Johns Island, SC
Recent trends in car insurance for Johns Island drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for auto insurance in Johns Island decreased from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $142.
How does Johns Island compare to neighboring areas?
Why are car insurance rates in Johns Island different from other areas?
Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Local regulations
- Frequency of car accidents
- Area crime rates
- Total number of drivers in the community
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Johns Island?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer plans in Johns Island in no time.
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Johns Island Insurance FAQs
What factors affect car insurance quotes in Johns Island?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Johns Island different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Johns Island?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Johns Island?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Johns Island or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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