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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.
Similarly, the expected monthly payments for an auto insurance policy in Orangeburg are above the national average. The cost of insuring a vehicle in Orangeburg is about $20 more expensive than the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Orangeburg, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Orangeburg and broken down the different factors to help you understand what exactly you might be asked to pay. 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 more experience you have as a driver. When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates start to rise again in Orangeburg.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance, in Orangeburg men actually pay $95 per month for coverage while women pay $103.
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 will pay significantly lower rates than those with accidents or violations. Drivers in Orangeburg with a single accident on their record will usually see rates around $130 a month. In addition, drivers with a single ticket on their record can expect to pay around $92 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$90|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Orangeburg, with drivers paying around $81 per month for insurance coverage.
SUV drivers will see rates of about $100, while the rates for car owners average out to about $102 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. 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)||$103|
Overall, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
In Orangeburg, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
One other element taken into consideration is your housing situation. Renters can expect to pay around $13 a month more than those who own their own home in Orangeburg. 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 average costs.
Car Insurance Companies in Orangeburg, SC
Recent trends in car insurance for Orangeburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for car insurance in Orangeburg had been decreasing from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $104.
How does Orangeburg compare to neighboring areas?
Why are car insurance rates in Orangeburg different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Off-street parking availability
- Area laws
- Total amount of drivers in the area
- Road Safety (total number of local car accidents)
- Crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Orangeburg?
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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Orangeburg.
Orangeburg Insurance FAQs
What factors affect car insurance quotes in Orangeburg?
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 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 Orangeburg different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Orangeburg?
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 Orangeburg?
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?
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 Orangeburg 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.