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How much is car insurance in Pickens?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Pickens is about $22 cheaper than it is in the rest of South Carolina.
On the flip side, Pickens residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $1 more expensive for coverage in Pickens than the average rates for the U.S. as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Pickens and broken down the different factors to help you understand what your monthly bill might look like. 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may rise again in Pickens.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Pickens, where female drivers pay around $85 per month while male drivers pay about $77.
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 lower rates than those with accidents or violations. In Pickens, a driving record with a single accident will usually get you a rate around $103 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $112.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$76|
In terms of affordable coverage, the cheapest vehicles to insure in Pickens are by and large trucks and vans, at $71 per month.
Car owners, on the other hand, usually pay around $76 per month, while SUV drivers can expect to pay about $101 a month for insurance coverage.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Pickens, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
More often than not, people who are married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Pickens is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Your living accommodations is another factor that affects your monthly rate. In Pickens, homeowners can expect to pay around $18 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Pickens, SC
Recent trends in car insurance for Pickens 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 choosing your car insurance policy.
The cost of auto insurance coverage in Pickens declined from 2017-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $98 per month
How does Pickens compare to neighboring areas?
Why are car insurance rates in Pickens different from other areas?
Car insurance companies take in a variety of factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Road safety
- Regional crime rates
- Total drivers
- Off-street parking availability
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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 Pickens?
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.
Luckily, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Pickens.
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Pickens Insurance FAQs
What factors affect car insurance quotes in Pickens?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Pickens 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 crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Pickens?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pickens?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Pickens 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.
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