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Cheap Auto Insurance Quotes in Aiken, SC (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Aiken is $224 per month, or $2688 annually.
  • Car insurance in Aiken is $35 less than the average cost of car insurance in South Carolina.
  • The cheapest car insurance provider in Aiken on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Car Insurance in Aiken, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Aiken, SC to find you the cheapest quotes in the area.

Quotes by Top Companies

Direct Auto
$73
State Farm
$85
Allstate
$93
Nationwide
$134
American Family
$149

Cheapest Car Insurance in Aiken, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in AikenQuotes
Direct Auto$73 /mo
State Farm$85 /mo
Allstate$93 /mo
Nationwide$134 /mo
American Family$149 /mo

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Average Car Insurance Cost

South Carolina Cities
Columbia$154/mo
Charleston$132/mo
North Charleston$125/mo
Mount Pleasant$139/mo
Aiken$120/mo
South Carolina$134/mo
Aiken
$120
North Charleston
$125
Charleston
$132
Average for SC
$134
Mount Pleasant
$139
Columbia
$154
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Find local Aiken agents

  • Hutson-Etherredge Companies 

    129 Park Ave SW,
    Aiken, SC 29801
  • Austin Taylor Insurance Agency - Aiken 

    705 Silver Bluff Rd,
    Aiken, SC 29803-6069
  • Anderson Insurance Associates 

    228 Richland Ave W Ste 4,
    Aiken, SC 29801-4197
  • Cummings Insurance Agency Inc. 

    6253 Hiwassee Run,
    Aiken, SC 29803
  • 'Durban Laird''s Inc '

    155 Laurens St SW,
    Aiken, SC 29801-3847
  • Direct Auto Insurance

    3555 Richland Ave W #182,
    Aiken, SC 29801
  • Lambert Insurance

    217 Silver Bluff Rd,
    Aiken, SC 29803
  • Affordable Insurance Agency, Inc.

    212 Richland Ave W,
    Aiken, SC 29801
  • Bates, Smith, and Strickland Insurance

    117 Waterloo St SW,
    Aiken, SC 29801
  • The Wills Agency LLC

    209 Richland Ave W,
    Aiken, SC 29801
View more

FAQs - Aiken, SC Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Aiken Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Aiken, South Carolina below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Aiken drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Aiken

#20

City with the Most Speeding Tickets Rank in South Carolina

#44

City with the Most Moving Violations Rank in South Carolina

#18

City with the Most DUIs Rank in South Carolina

#28

City with the Most Suspended Licenses in South Carolina

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Aiken drivers rank 49 in the number of car accidents per driver across all cities in South Carolina.

    • Rank within state: #49
    • Percent of drivers in Aiken with an accident: 11.86%
    • Drivers in Aiken, SC with an accident in their driving history pay on average 54.23% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Aiken drivers rank 20 in the number of speeding infractions per driver.

    • Rank within state: #20
    • Percent of drivers in Aiken with a speeding ticket: 14.88%
    • Drivers in Aiken, SC with a speeding ticket in their driving history pay on average 39.3% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Aiken drivers rank 18 in the number of DUI’s per driver across all cities in South Carolina.

    • Rank within state: #18
    • Percent of drivers in Aiken with a DUI: 1.63%
    • Drivers in Aiken, SC with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Aiken drivers rank 23 in rude driving infractions.

    • Rank within state: #23
    • Percent of drivers in Aiken with a reckless driving violation: 1.4%
    • Drivers in Aiken, SC with a reckless driving violation in their driving history pay on average 78.11% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Aiken drivers rank 12 in clean driving records across all cities in South Carolina.

    • Rank within state: #12
    • Percent of drivers in Aiken with clean record: 76.05%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Aiken drivers rank 12 in failure to yield violations per driver across all cities in South Carolina.

    • Rank within state: #12
    • Percent of drivers in Aiken with a failure to yield violation: 0.58%
    • Drivers in Aiken, SC with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Aiken drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Aiken with a reckless driving offense: 0.47%
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Aiken is the Honda Accord.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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