At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Mount Pleasant?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the South Carolina, coverage in Mount Pleasant is about $18 a month cheaper.
Drivers relocating the Mount Pleasant should take note of the differences in average rates. It's around $5 more expensive to insure your vehicle in Mount Pleasant compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for Mount Pleasant, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Mount Pleasant residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates begin to go back up once you hit retirement age in Mount Pleasant.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Mount Pleasant, male drivers pay about $4 more per month. Looking at the table above, you can see that female drivers pay around $84 on average, while male drivers typically pay $88 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Mount Pleasant, drivers with one accident on their record will experience rates around $111 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $113.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$99|
|15 Years or Older||$88|
If you look at the first table above, you'll see that cars are typically the cheapest vehicles to insure in Mount Pleasant, with drivers paying around $83 per month for insurance coverage.
SUV owners will see rates of about $87, while truck and van owners usually pay around $101 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Mount Pleasant, 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)||$91|
On average, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Mount Pleasant can be as much as $11 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Mount Pleasant, expect to pay around $10 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Mount Pleasant, SC
Recent trends in car insurance for Mount Pleasant drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The rates for auto insurance in Mount Pleasant had been increasing from 2017-2018, before declining from 2019-2020. They finished down in 2022 at $91 per month.
How does Mount Pleasant compare to neighboring areas?
Why are car insurance rates in Mount Pleasant different from other areas?
Car insurance companies look at a variety of factors when they're deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Area crime rates
- Availability of off-street parking
- Local laws
- Total number of drivers
- Rate of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Mount Pleasant?
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 does all of that work for you. Just punch in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies that offer plans in Mount Pleasant.
Find your best rate in just a few minutes
Mount Pleasant Insurance FAQs
What factors affect car insurance quotes in Mount Pleasant?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Mount Pleasant different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Mount Pleasant?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Mount Pleasant?
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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Mount Pleasant or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Find your best rate in just a few minutes