Table of contents
How much is car insurance in Pickens?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Pickens typically costs about $23 a month less than it does in the rest of South Carolina.
If you're thinking of moving to Pickens from out of state, you may still be in luck. You can expect to pay about $4 less for your policy in Pickens than in the rest of U.S.
Although these are the average rates for auto insurance in Pickens, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Pickens residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $98 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may creep back up in Pickens.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Pickens men actually pay $73 per month for coverage while women pay $78.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Pickens with a single accident on their record will usually see rates around $92 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $138.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$92|
|15 Years or Older||$69|
In terms of affordable coverage, the cheapest vehicles to insure in Pickens are typically cars, at $69 per month.
SUV owners can expect to pay an average of around $95 a month for their policy, while truck and van drivers are usually around $74 to insure each month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Pickens are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$80|
On average, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Pickens as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Another factor that comes into play is your living situation. In Pickens, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Pickens, SC
Recent trends in car insurance for Pickens 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 Pickens, the rates for auto insurance decreased steadily from 2016-2020. They finished up in 2021, at $78 a month
How does Pickens compare to neighboring areas?
Why are car insurance rates in Pickens different from other areas?
Car insurance companies will take into account a lot of factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of off-street parking
- Rate of car accidents
- Amount of drivers in the area
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Pickens.
Pickens Insurance FAQs
What factors affect car insurance quotes in Pickens?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control 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 Pickens different from other neighboring cities?
Things like parking situations, local laws, 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 Pickens?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. 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 Pickens 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?