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How much is car insurance in Simpsonville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $5 a month cheaper to insure your vehicle in Simpsonville than it is in the rest of South Carolina.
On the other hand, Simpsonville residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $18 more for coverage in Simpsonville than in the rest of the U.S.
While these are the average car insurance rates for Simpsonville, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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.
We've done the heavy lifting for you and broken down the average rate for Simpsonville so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Simpsonville drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Simpsonville totals about $9 per month. Based on the chart above, you can see that female drivers pay around $95 on average, while male drivers typically pay $104 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Simpsonville, having a single accident on your record will usually get you rates around $142 a month. In addition, drivers with one ticket can expect to pay around $178 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$104|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Simpsonville, with drivers paying around $78 per month for auto insurance.
Car owners, on the other hand, usually pay around $108 a month, while SUV drivers can expect to pay about $91 per month for insurance coverage.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Simpsonville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
Generally speaking, people who are 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.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Simpsonville as well, where the difference is around $34 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Simpsonville, expect to pay around $15 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Simpsonville, SC
Recent trends in car insurance for Simpsonville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of auto insurance coverage in Simpsonville had been decreasing from 2017-2019, before steadying out in 2020. Insurance rates finished up in 2022, at $121 a month
How does Simpsonville compare to neighboring areas?
Why are car insurance rates in Simpsonville different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- General road safety (how many accidents each locality has)
- Crime levels
- Area laws
- Off-street parking availability
- Number of drivers in the region
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Simpsonville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Simpsonville in no time.
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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 you can't control like your gender and age 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?
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 local laws, crime rates, 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 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?
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 Simpsonville 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?
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