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How much is car insurance in Laurens?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $20 a month cheaper to insure your vehicle in Laurens than it is in the rest of South Carolina.
If you're considering relocating to Laurens from out of state, you may want to budget a little extra for your insurance. It's around $3 more expensive to insure your vehicle in Laurens compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Laurens, it's important to remember that you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Laurens to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $29 more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Laurens.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Laurens men actually pay $79 per month for coverage while women pay $86.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Laurens with one accident will pay around $115 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $113 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$49|
|15 Years or Older||$81|
The most affordable vehicles to insure in Laurens are by and large trucks and vans, which run about $81 per month.
SUV drivers will see rates of about $88, while the rates for car owners average out to about $83 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In Laurens, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$89|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Laurens can be as much as $17 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$116|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Laurens, expect to pay around $10 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Laurens, SC
Recent trends in car insurance for Laurens drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Laurens, car insurance rates decreased from 2017-2018, but began to increase in 2020. This trend has continued through 2022 when rates have most recently reached $116 per month.
How does Laurens compare to neighboring areas?
Why are car insurance rates in Laurens different from other areas?
Car insurance companies will take into account a lot of factors when deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Rate of crime
- Total amount of drivers in the community
- Road safety
- Off-street parking access
- Area regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Laurens?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Laurens.
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Laurens Insurance FAQs
What factors affect car insurance quotes in Laurens?
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, address, and marital status.
Why is the cost of car insurance in Laurens different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Laurens?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Laurens?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Laurens 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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