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How much is car insurance in Little River?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Little River are in line with rates across the rest of South Carolina.
Conversely, the expected monthly payments for an auto insurance policy in Little River are above the national average. The average monthly payment for the rest of the U.S. is about is about $20 cheaper than it is in Little River.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Little River to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate for your area, 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|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay $72 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Little River.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Little River, this difference shakes out to about $4 a month. Based on the chart above, you can see that female drivers pay around $99 on average, while male drivers typically pay $103 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Little River, having a single accident on your record will usually get you rates around $110 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $133 on average.
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||$98|
|15 Years or Older||$92|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Little River, with drivers paying around $93 per month to insure their vehicle.
Car owners will see a monthly rate of about $98, while SUV owners typically pay around $110 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Little River are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
More often than not, married policyholders will pay slightly less to insure their car. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Little River can be as much as $27 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$112|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $25 a month more than drivers who own property in Little River. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Little River, SC
Recent trends in car insurance for Little River drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Car insurance rates in Little River increased from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $114 a month.
How does Little River compare to neighboring areas?
Why are car insurance rates in Little River different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Community laws
- Availability of off-street parking
- Number of car accidents
- Regional crime rates
- Number of drivers in the region
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Little River?
While getting familiar with 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.
Fortunately, Compare.com does all of that work for you. 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 offering coverage in Little River.
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Little River Insurance FAQs
What factors affect car insurance quotes in Little River?
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 Little River different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Little River?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Little River?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Little River or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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