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How much is car insurance in Ladson?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Ladson are about $26 a month more expensive than the rest of South Carolina.
Similarly, the expected monthly payments for an auto insurance policy in Ladson are above the national average. It's about $45 more expensive for coverage in Ladson than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Ladson, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Ladson so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Ladson drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Ladson, however, both pay the same monthly amount for insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Ladson with one accident will pay around $160 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $193 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$148|
|15 Years or Older||$114|
If you look at the first table above, the cheapest vehicles to insure in Ladson are by and large SUVs, at $118 per month.
Car owners, on the other hand, usually pay around $127 a month, while truck and van drivers can expect to pay about $119 per month for auto insurance coverage.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Ladson, 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)||$131|
Generally speaking, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Ladson can be as much as $20 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$198|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $27 a month more than drivers who own property in Ladson. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Ladson, SC
Recent trends in car insurance for Ladson drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Ladson went up steadily from 2016 through the present, where they reached $146 a month in 2021.
How does Ladson compare to neighboring areas?
Why are car insurance rates in Ladson different from other areas?
Car insurance companies look at a number of factors when they're figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime rates
- Amount of off-street parking
- Road safety
- Community laws
- Amount of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ladson?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Ladson.
Ladson Insurance FAQs
What factors affect car insurance quotes in Ladson?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Ladson 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, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Ladson?
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 Ladson?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Ladson or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.