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How much is car insurance in Woodruff?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Woodruff are about $13 a month cheaper than in the rest of South Carolina.
Drivers relocating the Woodruff should take note of the differences in average rates. Coverage in Woodruff is about $6 more expensive than it is for the rest of the U.S.
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. Insurance companies take in a number of factors when deciding what amount to charge you for insuring 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.
Don't sweat it however, we've broken down average rates for Woodruff residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay about $18 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Woodruff may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Woodruff is around $17 per month. As illustrated in the table above, female drivers in the area pay about $80 on average, while male drivers pay around $97 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 with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Woodruff with a single accident on their record is about $95 a month. Similarly, drivers with one ticket will typically pay around $110 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|2-3 Years||Not Enough Data|
|15 Years or Older||$81|
The most affordable vehicles to insure in Woodruff are usually cars, which run about $81 per month.
SUV owners, on the other hand, by and large pay around $93 a month, while truck and van drivers can expect to pay about $112 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Woodruff, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Overall, married policyholders will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Woodruff can be as much as $16 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $2 less than homeowners in Woodruff. 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 Woodruff, SC
Recent trends in car insurance for Woodruff drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of car insurance in Woodruff had been decreasing from 2016-2017, but began to rise in 2018. This pattern has continued through 2021 when rates have most recently hit $104.
How does Woodruff compare to neighboring areas?
Why are car insurance rates in Woodruff different from other areas?
Car insurance companies will take into account numerous factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Community regulations
- Total number of drivers in the area
- Availability of off-street parking
- Crime levels
- Road Safety (frequency of car accidents)
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Woodruff?
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.
Don't worry, Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Woodruff.
Woodruff Insurance FAQs
What factors affect car insurance quotes in Woodruff?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Woodruff different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Woodruff?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Woodruff?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 Woodruff 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.