Table of contents
How much is car insurance in Mount Pleasant?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $17 a month cheaper to insure your vehicle in Mount Pleasant than it is in the rest of South Carolina.
Conversely, the expected monthly payments for an auto insurance policy in Mount Pleasant are above the national average. The cost of auto coverage in Mount Pleasant is about $2 more expensive than the national average.
These may be the average auto insurance rates for Mount Pleasant, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 policy payment.
But worry not, we've done the heavy lifting and broken down the average rate for Mount Pleasant to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may begin to increase again in Mount Pleasant.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Mount Pleasant, although women do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay much less than those with accidents or violations. In Mount Pleasant, having a single accident on your record will usually get you rates around $102 a month. In addition, drivers with a single ticket on their record can expect to pay around $137 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$86|
In terms of affordable coverage, the cheapest vehicles to insure in Mount Pleasant are typically SUVs, at $78 per month.
SUV owners can expect to pay an average of around $78 a month for their policy, while truck and van drivers are usually around $88 to insure each month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Mount Pleasant are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
On average, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Mount Pleasant, with married couples paying about $13 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Mount Pleasant, expect to pay around $14 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Mount Pleasant, SC
Recent trends in car insurance for Mount Pleasant 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.
The rates for auto insurance in Mount Pleasant declined from 2016-2017, where they reached a low of $72, before leveling out in 2018. Car insurance rates decreased again in 2019, and finished up at $95 in 2021.
How does Mount Pleasant compare to neighboring areas?
Why are car insurance rates in Mount Pleasant different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking access
- Road Safety (frequency of car accidents)
- Crime levels
- Area laws
- Amount of drivers
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. 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 Mount Pleasant?
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Mount Pleasant.
Mount Pleasant Insurance FAQs
What factors affect car insurance quotes in Mount Pleasant?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Mount Pleasant different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Mount Pleasant?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 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 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.