Table of contents
How much is car insurance in West Columbia?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in West Columbia than it is in the rest of South Carolina.
Likewise, residents of West Columbia might expect to pay higher rates for coverage than the rest of the country. It's about $25 more expensive than the national average to insure your vehicle in West Columbia.
Although these are the average rates for auto insurance in West Columbia, it's important to remember that 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. 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.
We've analyzed the average rate for West Columbia and broken down the different factors to help you understand what your policy's monthly premium will be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. 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 a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in West Columbia.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in West Columbia is about $5 per month. Looking at the table above, you can see that female drivers pay around $103 on average, while male drivers typically pay $108 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in West Columbia with a single accident on their record is about $125 a month. Similarly, drivers with one ticket will typically pay around $156 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$98|
|15 Years or Older||$101|
If you look at the first table above, the cheapest vehicles to insure in West Columbia are by and large SUVs, at $92 per month.
Car owners can expect to pay an average of around $108 a month for their policy, while truck and van drivers are usually around $111 to insure each month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In West Columbia, 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)||$112|
Generally speaking, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in West Columbia can be as much as $25 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$172|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $28 a month more than those who own their own home in West Columbia. But if you live with your parents, you can expect to pay a lot more.
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 West Columbia, SC
Recent trends in car insurance for West Columbia drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of car insurance coverage in West Columbia had been increasing from 2016-2018, before steadying out in 2019. Insurance rates have been increasing again recently, and rose to $153 in 2021.
How does West Columbia compare to neighboring areas?
Why are car insurance rates in West Columbia different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking accessibility
- Regional crime rates
- Road Safety (total number of local car accidents)
- Amount of drivers
- Local laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in West Columbia?
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. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in West Columbia.
West Columbia Insurance FAQs
What factors affect car insurance quotes in West Columbia?
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, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in West Columbia different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in West Columbia?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to West Columbia?
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?
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 West Columbia or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?