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How much is car insurance in Newberry?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Newberry are slightly less expensive than the rest of South Carolina.
On the other hand, residents of Newberry might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $17 more for your policy in Newberry.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Newberry 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 Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||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 bills, that experience pays off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may climb back up a bit in Newberry.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in average rates in Newberry totals about $10 per month. Based on the chart above, you can see that male drivers pay $103 on average, while female drivers typically pay $93 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 clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Newberry, having a single accident on your record will usually get you rates around $119 a month. Likewise, drivers with one ticket will be looking at a rate of around $236 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||Not Enough Data|
|15 Years or Older||$85|
In terms of affordable coverage, the cheapest vehicles to insure in Newberry are typically trucks and vans, at $74 per month.
Car owners, on the other hand, usually pay around $100 a month, while SUV drivers can expect to pay about $91 per month for insurance.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Newberry, the most expensive vehicles to insure are vehicles six-to-seven years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
On average, those who are currently married will pay slightly less to insure their vehicle. 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 Newberry can be as much as $13 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Newberry, expect to pay around $2 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Newberry, SC
Recent trends in car insurance for Newberry drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Insurance rates in Newberry have been mixed recently. They rose in 2016, fell in 2018, and increased again in 2020, before finishing at $127 in 2021.
How does Newberry compare to neighboring areas?
Why are car insurance rates in Newberry different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out 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:
- Amount of drivers in the area
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Regional crime rates
- Community regulations
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Newberry?
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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Newberry.
Newberry Insurance FAQs
What factors affect car insurance quotes in Newberry?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, 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 Newberry 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 parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Newberry?
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 Newberry?
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 Newberry 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.