Mount Pleasant, SC Car Insurance

Residents of Mount Pleasant pay around $56 monthly for their car insurance coverage. For more information refer to our guide below.
How do rates in Mount Pleasant measure up compared to neighboring areas, including Texas as a whole? How much can residents of Mount Pleasant expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Mount Pleasant?

Area Average Monthly Car Insurance Premium
Mount Pleasant$56
TX$65
United States$81

Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Mount Pleasant than it is in the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Mount Pleasant is rather affordable. On average, it's about $25 less to insure your vehicle in Mount Pleasant than it is in the rest of the U.S.

Although these are the average rates for auto insurance in Mount Pleasant, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage 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. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$75
35-44$56
45-54$46
55-64$35
65+$64

The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay slightly more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Mount Pleasant may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$54

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Mount Pleasant is around $5 a month. As you can see in the table above, male drivers in the area typically pay $59 on average, while female drivers typically pay $54 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$87
1 Ticket$52
Multiple Tickets$188

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Mount Pleasant with a single accident will pay around $73 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $52.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$26
2-3 Years$60
4-5 Years$48
6-7 Years$57
8-10 Years$48
11-14 Years$64
15 Years or Older$55

As you can see in the first table above, the cheapest vehicles to insure in Mount Pleasant are usually cars, which run about $54 per month.

Truck and van drivers will see rates of about $58, while the rates for SUV owners average out to about $60 per 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 be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Mount Pleasant are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$57
Married$57
Divorced$49
Widowed$38

Overall, married policyholders will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Mount Pleasant are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$56
Live with parents$48

Another factor taken into consideration is your living situation. If you rent your home or apartment in Mount Pleasant, expect to pay around $3 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Mount Pleasant, TX

Recent trends in car insurance for Mount Pleasant drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

The rates for auto insurance in Mount Pleasant increased from 2017-2019, before leveling out in 2020. They finished down in 2022, at $56 a month

How does Mount Pleasant compare to neighboring areas?

Why are car insurance rates in Mount Pleasant different from other areas?

Car insurance companies will take into account many factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:

  • Crime levels
  • Local laws
  • Rate of car accidents
  • Number of drivers in the region
  • Amount of off-street parking

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Mount Pleasant?

Arming 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 has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Mount Pleasant in no time.

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Mount Pleasant Insurance FAQs

What factors affect car insurance quotes in Mount Pleasant?

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 address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Mount Pleasant different from other neighboring cities?

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Mount Pleasant?

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 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?

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 Mount Pleasant 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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