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How much is car insurance in Orangeburg?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Orangeburg is in line with pricing for the rest of South Carolina.
On the other hand, the expected monthly payments for an auto insurance policy in Orangeburg are above the national average. It's about $22 more expensive than the national average to insure your vehicle in Orangeburg.
Bear in mind that while these rates are the average costs for residents of Orangeburg, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
We've analyzed the average rate for Orangeburg and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $51 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Orangeburg drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Orangeburg bucks this trend. Female drivers typically pay around $5 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Orangeburg, having a single accident on your record will usually get you rates around $131 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $115.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$93|
If you look at the first table above, the cheapest vehicles to insure in Orangeburg are usually trucks and vans, at $86 per month.
SUV drivers will see rates of about $102 to insure their vehicle, while car owners by and large pay around $106 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 close to 5 years old, you may start to see your monthly premium drop back down. In Orangeburg, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
Generally speaking, those who are currently married will pay slightly less to insure their car. 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 Orangeburg 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||$95|
Your housing status is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $12 a month more than drivers who own property in Orangeburg. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Orangeburg, SC
Recent trends in car insurance for Orangeburg 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.
In Orangeburg, the rates for auto insurance had been increasing steadily from 2017 through the present, where they reached $123 a month in 2022.
How does Orangeburg compare to neighboring areas?
Why are car insurance rates in Orangeburg different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Total number of drivers
- Community regulations
- Road Safety (total number of local car accidents)
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Orangeburg?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting 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 dozens of car insurance companies offering plans in Orangeburg in no time.
Orangeburg Insurance FAQs
What factors affect car insurance quotes in Orangeburg?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Orangeburg 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 Orangeburg?
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 Orangeburg?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. 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 Orangeburg 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?