South Carolina Farm Bureau vs. State Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, South Carolina Farm Bureau offers significantly less expensive rates than State Auto
• South Carolina Farm Bureau has cheaper premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
• State Auto offers more discounts than South Carolina Farm Bureau Insurance

South Carolina Farm Bureau vs. State Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering South Carolina Farm Bureau or State Auto as potential options, but which company will offer you more affordable rates?

As you can see, South Carolina Farm Bureau is quite a bit cheaper than State Auto, with premiums averaging $111 per month compared to $259 with State Auto when looking at the national average rates for insurance.

However, that doesn't mean South Carolina Farm Bureau will necessarily be cheaper than State Auto for every driver. Auto insurance companies vary their prices depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and a variety of other factors, so premiums could differ drastically from person to person.

Wanting to know if South Carolina Farm Bureau or State Auto is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

South Carolina Farm Bureau or State Auto: Average Car Insurance Rates by State

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There are plenty of other factors that go into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. That's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have South Carolina Farm Bureau for their car insurance pay more than $500 less than those who use State Auto.

But both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for South Carolina Farm Bureau policyholders lower over $100 and State Auto's premiums reduce about $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which carrier offers the best premiums to retired drivers? South Carolina Farm Bureau gets the edge, with rates for drivers 65 and older more than 55% less expensive than the national average for State Auto.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more affordable for married drivers than they are for single drivers. This usually boils down to married couples having more than one car on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, South Carolina Farm Bureau is the clear winner for those who are single, with premiums around $196 a month cheaper than State Auto, on average. The advantage for married policyholders with South Carolina Farm Bureau is also obvious, where drivers save nearly $85 per month.

South Carolina Farm Bureau vs. State Auto: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher prices.

Women usually pay about $6 a month less than men with South Carolina Farm Bureau, while with State Auto, the difference is closer to $24 per month.

When it comes to the most affordable rates for each gender, South Carolina Farm Bureau offers the lowest average premiums for both men and women. On average, male drivers save about $157 a month and women save around $139 with South Carolina Farm Bureau compared to the average State Auto policyholder.

South Carolina Farm Bureau or State Auto: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability limits, South Carolina Farm Bureau generally offers significantly more affordable rates of $78 compared to State Auto's $149. When it comes to full coverage policies with similar limits, South Carolina Farm Bureau again has the edge, with policies about $250 per month less expensive than State Auto, on average.

Is South Carolina Farm Bureau or State Auto Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

South Carolina Farm Bureau policyholders can expect their premiums to go up an average of $12 a month if they get a ticket, while State Auto typically raises rates around $48 per month, on average.

Even so, South Carolina Farm Bureau is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $75 a month and drivers with a ticket can save around $111 per month with South Carolina Farm Bureau Insurance.

Which Company is Best for Drivers After an Accident?

South Carolina Farm Bureau drivers who get in an accident can expect to see their premiums increase by $30, while those who have insurance through State Auto will see about a $100 increase.

Overall, the less expensive prices come from South Carolina Farm Bureau, with monthly premiums averaging $125 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or speeding ticket. On average, State Auto will climb your prices around 55% after a DUI, while South Carolina Farm Bureau's average rates rise by just under 20%.

If you have a DUI on your record and are looking for more affordable prices, South Carolina Farm Bureau tends to be the much cheaper option with average rates of $116 a month compared to $380 from State Auto.

How does Credit Score Impact South Carolina Farm Bureau and State Auto Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at State Auto and South Carolina Farm Bureau, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is South Carolina Farm Bureau or State Auto Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly insurance payment? Usually, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither South Carolina Farm Bureau or State Auto report increasing prices for drivers with higher annual mileage figures. Still, South Carolina Farm Bureau comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $111 a month for both.

South Carolina Farm Bureau vs. State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly auto insurance cost. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

South Carolina Farm Bureau boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $114 per month with South Carolina Farm Bureau compared to State Auto's $225. Drivers in suburban ZIP codes pay around $103 with South Carolina Farm Bureau compared to State Auto's $236 monthly. For drivers in urban ZIP codes, South Carolina Farm Bureau's average rates are about $115 per month compared to State Auto's $317.

South Carolina Farm Bureau vs. State Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by South Carolina Farm Bureau and State Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Auto knocks South Carolina Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to South Carolina Farm Bureau's 18.

There are a couple discounts both carriers offer, but State Auto also offers ABS discounts, advance quote discounts, advantage program discounts, and more that South Carolina Farm Bureau does not.

South Carolina Farm Bureau's discounts come through just a few categories, including Defensive Driver, Distant Student, Driver Training, and more.

Final Thoughts: Is South Carolina Farm Bureau or State Auto Best for You?

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the right one for you, your vehicle, and your wallet?

South Carolina Farm Bureau might be best for you if....

• You're single and purchasing insurance by yourself.
• Your home is in a busy urban area.
• You drive fewer than 6,000 miles every year.

State Auto might be best for you if...

• You care about discounts (State Auto offers the most).

We hope this guide has ben a valuable resource as you compare South Carolina Farm Bureau and State Auto and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just South Carolina Farm Bureau and State Auto. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

South Carolina Farm Bureau vs. State Auto FAQs

Is South Carolina Farm Bureau or State Auto cheaper?

Looking just at the national average rates, South Carolina Farm Bureau is the cheaper of the two carriers, offering average rates of $111 a month compared to $259 for State Auto. That being said, South Carolina Farm Bureau won't necessarily be the cheapest carrier for everyone, since there are many different variables that come into play when it comes to your auto insurance payment.

Who is better, South Carolina Farm Bureau or State Auto?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do South Carolina Farm Bureau and State Auto offer me different rates?

Insurance companies take a look at a lot of different factors when determining the premiums they charge policyholders. Things such as age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both South Carolina Farm Bureau and State Auto calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if South Carolina Farm Bureau or State Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be South Carolina Farm Bureau or State Auto at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.