Table of contents
How much is car insurance in Simpsonville?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Simpsonville is in line with pricing for the rest of South Carolina.
Drivers relocating the Simpsonville should take note of the differences in average rates. The cost of auto coverage in Simpsonville is about $16 more expensive than the national average.
Bear in mind that while these are the average car insurance rates for Simpsonville, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down the average rates for Simpsonville to help you understand what your monthly premium might be. And if you think you might be overpaying for insurance, 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 would make sense that older drivers have more driving experience, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Simpsonville drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Simpsonville, the difference is around $6 a month. As illustrated in the table above, male drivers in the area pay about $99 on average, while female drivers pay around $93 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Simpsonville with one accident will pay around $135 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $237.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$104|
As you can see in the first table above, the cheapest vehicles to insure in Simpsonville are typically trucks and vans, which run about $73 per month.
Car owners will see a monthly premium of about $102, while SUV owners usually pay around $90 per month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Simpsonville are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Simpsonville can be as much as $36 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $18 a month more than if you own your own home in Simpsonville. 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 Simpsonville, SC
Recent trends in car insurance for Simpsonville 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.
In Simpsonville, car insurance rates increased from 2016-2017, when they reached a high of $97, but began to decrease from 2018-2019. They finished down in 2021, at $75.
How does Simpsonville compare to neighboring areas?
Why are car insurance rates in Simpsonville different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Road safety
- Off-street parking availability
- Regional regulations
- Number of drivers in the area
- Crime levels
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Simpsonville?
Arming 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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Simpsonville.
Simpsonville Insurance FAQs
What factors affect car insurance quotes in Simpsonville?
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 year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Simpsonville different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Simpsonville?
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 Simpsonville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Simpsonville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?