Cheapest Auto Insurance in Fort Mill, South Carolina (2025)

Liability car insurance in Fort Mill costs $181 per month, on average — similar to the statewide average of $193 per month and more than the nationwide monthly average of $138.

Fort Mill’s close proximity to neighboring Charlotte, North Carolina's largest city, and more congested highways could partly account for its higher car insurance costs.

Here are some of the best ways to find affordable car insurance in Fort Mill to save money without sacrificing coverage.

3 of the cheapest car insurance companies in Fort Mill

Insurify’s analysis of auto insurance costs in Fort Mill, South Carolina, can shed some light on the most affordable car insurance policies. But your best choice depends on your specific coverage needs and which discounts you qualify for.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$116	$75	Teen drivers
USAA	9.1	$105	$68	Liability-only coverage
Auto-Owners	8.2	$112	$73	Drivers with a DUI

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for teen drivers: State Farm

teen drivers

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User Reviews	4.1 6,584 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$69/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$104/mo

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Driver Reviews

4.1

Best choiceBased on 12,804 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,584)

Alfonzo

Verified Review

Bad Insurance Experience

Reviewed in West Virginia on December 2025

Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.

Tracy

Verified Review

Look what Wildbowilly found

Reviewed in Texas on December 2025

I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.

Steven

Verified Review

Great Insurance

Reviewed in Minnesota on December 2025

No issues at all.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

You’ll find some of the most competitive auto rates for teen drivers at State Farm, the largest U.S. auto insurance company by market share. State Farm also offers several discounts to reduce your bill even more. The company has nine agents in Fort Mill if you prefer in-person service.

Pros

• Savings of up to 20% possible by insuring multiple vehicles

• Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study

• Rideshare insurance available

Cons

• Not the cheapest option in Fort Mill

• Can only purchase a policy through State Farm agents

• Gap insurance not available

Best insurer for liability-only coverage: USAA

Liability-Only Coverage

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User Reviews	4.9 1,326 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$62/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$94/mo

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Driver Reviews

4.9

Best choiceBased on 2,459 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,326)

Yolande

Verified Review

It was easy to complete

Reviewed in Kentucky on December 2025

It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.

Al

Verified Review

Poor

Reviewed in Georgia on December 2025

Hold true rates, no fake $38.00 per month.

Cheryl

Verified Review

Skyrocketing Rates

Reviewed in Massachusetts on December 2025

I assume it is like most others. USAA is, of course, offered to military personnel, retired military, and their families. Since my bill has skyrocketed to $1,459, I have been upset that my car costs that much to insure. I have had this car since January 2016. I haven't had any accidents, I don't drink alcohol, and my car mostly sits in the garage. It has approximately 67,800 miles on it. My bill is up over $200 from last year and the same for the year before. I just don't understand. Make of it what you will.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA has very affordable rates in Fort Mill. The downside is that coverage is only available to active-duty military members, veterans, and their families.

Pros

• Wide range of customizable policy options and discounts

• Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study

• Few complaints in South Carolina, according to the National Association of Insurance Commissioners (NAIC)^[1]

Cons

• Coverage limited to members of the military community

• No local branches in South Carolina

• Rideshare insurance not available in South Carolina

Best insurer for drivers with a DUI: Auto-Owners

drivers with a dui

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User Reviews	4.3 131 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$67/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$101/mo

Show Details

Driver Reviews

4.3

Best choiceBased on 259 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (131)

Eugene

Verified Review

Insurance Company Issues

Reviewed in Iowa on November 2025

Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.

Chick

Verified Review

Disappointed! Would rather have TALKED to an actual person!

Reviewed in Wisconsin on November 2025

It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!

Ron

Verified Review

For now, USAA is too far away

Reviewed in Georgia on November 2025

My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners is the best insurer for Fort Mill drivers with DUIs. It has plenty of local independent agents — you’ll find four in Fort Mill.

Pros

• Lower-than-average auto rates

• Few complaints in South Carolina, according to the NAIC^[1]

• At-fault accident forgiveness available

Cons

• Above-average volume of customer complaints about claims processing

• Poor mobile app ratings

• Must contact an agent via phone to get a quote

How to get the cheapest car insurance in Fort Mill

Your age, driving history, vehicle type, and location play a role in how much you pay for car insurance. The insurance company you choose can make a big difference, too. Here are some tips for finding cheap Fort Mill car insurance:

• Compare quotes. Get rates from multiple insurance companies to compare prices and coverage options side by side.

• Take advantage of discounts. Multi-vehicle and multi-policy discounts can help you cut down your overall insurance costs.

• Review coverage. Read over your coverage to see if you can make any policy changes to save money.

• Keep a clean driving record. Safe driving habits can qualify you for lower rates and qualify you for discounts for even more savings.

• Consider usage-based insurance. A pay-per-mile policy uses your actual driving habits to set rates and can cost less, depending on how much you drive.

Compare Car Insurance Rates in Fort Mill

Liability rates start at $62 per month

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Based on 7,669+ reviews

4.8/5

Cheapest liability-only car insurance in Fort Mill: USAA

If you cause an accident, your liability auto coverage helps cover the costs of other drivers’ injuries or property damage. It’s important to note that a liability-only policy doesn’t extend to cover your own injuries or damage to your motor vehicle.

Fort Mill drivers pay a monthly average of $157 for liability-only policies. Below, you can find the lowest rates offered by insurers in Fort Mill.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$62
Auto-Owners	$67
State Farm	$69
Progressive	$99
Nationwide	$101
Allstate	$107
Travelers	$115
GEICO	$116
Safeco	$130
State Auto	$139
Root	$143
National General	$144
Direct Auto	$153
Dairyland	$154
The General	$172
GAINSCO	$189
Liberty Mutual	$193
Bristol West	$208
AssuranceAmerica	$213

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Fort Mill: USAA

Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. It isn’t just for newer or high-value cars, though. Commuters, frequent drivers, and drivers in areas with a high frequency of accidents can also benefit from full coverage, which provides greater financial protection for at-fault accidents and non-collision events such as vehicle theft, vandalism, and weather hazards.

The average cost of full-coverage car insurance in Fort Mill is $205 per month. But Fort Mill drivers can still find lower rates for full coverage below.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$94
Auto-Owners	$101
State Farm	$104
GEICO	$154
Nationwide	$154
Progressive	$158
Allstate	$163
Safeco	$167
Travelers	$176
National General	$208
Direct Auto	$209
State Auto	$213
Root	$223
Liberty Mutual	$278
AssuranceAmerica	$310
The General	$314
Dairyland	$334
GAINSCO	$348
Bristol West	$360

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in South Carolina

Auto insurance in South Carolina follows an at-fault system, meaning you’re on the hook for other people’s injuries and property damages if you’re responsible for causing an accident.^[2]

You’ll need a policy with at least minimum insurance coverage before applying for or renewing your driver’s license, when registering your vehicle, and at renewal.^[3]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident
Uninsured motorist coverage	Equal to or greater than liability limits

From protecting against uninsured drivers to covering vehicle repairs and medical bills, here are some optional auto insurance coverages available in South Carolina:

• 

  Underinsured motorist coverage

  While South Carolina requires drivers to carry uninsured motorist coverage, underinsured motorist coverage is optional. It protects you if you’re in an accident with a driver who doesn’t have enough coverage to fully compensate you for the damages they cause.

• 

  Collision coverage

  Collision insurance pays to replace or repair your vehicle if you cause an accident with another vehicle, or if you hit a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance covers damage to your car caused by events other than a collision, like theft, vandalism, natural disasters, fire, or damage from animals.

• 

  Medical payments coverage

  Medical payments insurance provides coverage for medical expenses for you and your passengers. It can include MedPay, personal injury protection (PIP), and excess medical payments coverage.

• 

  Rental reimbursement

  This pays for a rental car while you wait for vehicle repairs as part of an insurance claim.

• 

  Roadside assistance

  This covers the cost of towing and labor if your car breaks down and you need roadside assistance or a ride to a repair shop.

• 

  Gap insurance

  S​​hort for “guaranteed asset protection,” gap insurance pays the difference between the actual cash value of your vehicle and the outstanding loan or lease amount if your car is totaled or stolen, covering the gap in value.

• 

  Accident forgiveness

  Causing an accident can increase your car insurance rates when your policy renews. But if you buy accident forgiveness coverage before something happens, your insurer will keep your rates stable after your first at-fault accident. Usually, you need to have at least three years of clean driving record to be eligible to buy this coverage.

Cheapest car insurance for drivers with an incident

Insurers usually have to pay for repairs and claims more frequently if a driver has a history of incidents. In this situation, your rates will typically go up to account for insurers’ increased risk. Speeding tickets, driving under the influence (DUI), and at-fault accidents are a few incidents that can lead to higher premiums.

“Typically, a driver who incurs a speeding ticket or is involved in an at-fault accident will face a surcharge on their insurance premium for a minimum of three years,” explains Mark Friedlander, director of communications at the Insurance Information Institute.

Shop for Car Insurance in Fort Mill, SC

Monthly rates start at $77 for drivers with an incident

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Based on 7,669+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: USAA

Drivers with speeding tickets can usually find affordable auto coverage without much hassle. Your rate will likely increase slightly, but not as much as it will after other driving infractions.

On average, Fort Mill drivers with a speeding ticket pay $190 for liability coverage and $248 for full coverage per month. Shopping around can help you get a cheaper policy to offset any rate increases.

The following table shows liability-only rates for Fort Mill drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$62	$78
Auto-Owners	$67	$85
State Farm	$69	$85
Progressive	$99	$120
Nationwide	$101	$128
Allstate	$107	$135
Travelers	$115	$145
GEICO	$116	$148
Safeco	$130	$169
State Auto	$139	$180
Root	$143	$186
National General	$144	$176
Direct Auto	$153	$188
Dairyland	$154	$188
The General	$172	$224
GAINSCO	$189	$222
Liberty Mutual	$193	$242
Bristol West	$208	$255
AssuranceAmerica	$213	$267

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Finding affordable coverage with an at-fault accident on your driving record can be a bit more challenging than with just a speeding ticket. Insurers might label you as a high-risk driver if you have more than one accident or a history of other types of traffic violations.

Drivers in Fort Mill with an at-fault accident on their record pay a monthly average of $204 for liability coverage and $266 for full-coverage car insurance.

Below, you see liability-only quotes from top insurers for Fort Mill drivers with at-fault accidents on their motor vehicle records.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
USAA	$62	$81
Auto-Owners	$67	$87
State Farm	$69	$89
Progressive	$99	$129
Nationwide	$101	$133
Allstate	$107	$140
Travelers	$115	$152
GEICO	$116	$147
Safeco	$130	$180
State Auto	$139	$186
Root	$143	$186
National General	$144	$188
Direct Auto	$153	$207
Dairyland	$154	$201
The General	$172	$234
GAINSCO	$189	$240
Liberty Mutual	$193	$254
Bristol West	$208	$270
AssuranceAmerica	$213	$280

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

The rate of alcohol-impaired driving deaths is 78% higher in South Carolina than the rest of the country.^[4] In the Palmetto State, a DUI stays on your driving record permanently. Insurers view DUIs as a major risk and will charge you substantially higher rates if you have one on your record. Some may choose to not renew your policy when your term ends, or they may cancel your policy mid-term. Depending on the severity of your infraction, you may need to look at insurers that specialize in high-risk policies.

The average monthly quote for drivers in Fort Mill with a DUI is $253 for liability coverage and $330 for full coverage. Check out the table below that highlights the most affordable liability-only car insurance rates for Fort Mill drivers with a DUI.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
USAA	$62	$96
Auto-Owners	$67	$103
State Farm	$69	$107
Progressive	$99	$159
Nationwide	$101	$156
Allstate	$107	$165
Travelers	$115	$178
GEICO	$116	$177
Safeco	$130	$214
State Auto	$139	$215
Root	$143	$221
National General	$144	$222
Direct Auto	$153	$236
Dairyland	$154	$238
The General	$172	$266
GAINSCO	$189	$292
Liberty Mutual	$193	$298
Bristol West	$208	$321
AssuranceAmerica	$213	$329

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

While car insurance quotes tend to decrease around age 25, senior drivers may see slight increases in their rates as accident risks also increase for seniors.

Senior drivers living in Fort Mill pay an average of $137 per month for liability coverage. Start your search by comparing the average full coverage and liability-only rates for Fort Mill seniors below.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
USAA	$77	$51
Auto-Owners	$81	$54
State Farm	$83	$55
Nationwide	$119	$78
GEICO	$124	$93
Allstate	$134	$88
Progressive	$138	$87
Travelers	$142	$93
Safeco	$147	$115
State Auto	$164	$107
National General	$165	$114
Direct Auto	$170	$124
Root	$189	$121
Liberty Mutual	$234	$162
AssuranceAmerica	$242	$166
The General	$264	$144
Dairyland	$282	$130
GAINSCO	$297	$161
Bristol West	$301	$174

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Young drivers pay much higher car insurance rates than adults due to limited experience behind the wheel and risky driving behaviors that cause accidents. Lack of experience leads to an accident rate nearly three times higher for teenagers than for drivers age 20 and older.^[5] Liability coverage costs $303 per month for teen drivers in Fort Mill, on average.

Still, following a few strategies can ease the financial strain of insuring a young driver. Consider adding your teen to your policy and buying a safe, reliable car with safety features to keep costs down. Minor teens won't be able to buy their own policy without the written consent of a parent or guardian. You can also talk to your teen about maintaining good grades to qualify for good student discounts.

The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
USAA	$179	$118
Auto-Owners	$206	$137
State Farm	$207	$137
GEICO	$287	$216
Progressive	$305	$191
Nationwide	$309	$203
Allstate	$332	$218
Safeco	$347	$270
Travelers	$372	$243
Root	$401	$257
Direct Auto	$420	$308
National General	$433	$300
Liberty Mutual	$507	$352
State Auto	$531	$346
The General	$566	$310
Dairyland	$576	$265
AssuranceAmerica	$642	$441
Bristol West	$663	$383
GAINSCO	$670	$364

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Fort Mill car insurance quotes by credit tier

Insurance companies can’t deny you coverage because of your credit history, but they can consider it when setting your premiums.^[6] Generally, a higher credit score leads to lower car insurance rates. Insurers see drivers with better credit as lower risk and less likely to file claims.

In Fort Mill, drivers with poor credit scores typically pay more for full coverage than drivers with good credit.

Is car insurance more expensive in Fort Mill?

Drivers in Fort Mill pay $181 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $193.

Auto rates can change depending on your location, thanks to differences in population density, crime rates, and accident rates. For example, Greer’s average quote is $182 per month, while drivers in Myrtle Beach pay an average of $191 per month.

More cities in South Carolina

Fort Mill and the surrounding area, including Rock Hill, have some of the cheapest rates in South Carolina overall. See how Fort Mill’s rates compare to some other South Carolina cities.

City	Full Coverage	Liability Only
Charleston	$259	$194
Columbia	$264	$183
Greenville	$233	$165
Lexington	$232	$162
Myrtle Beach	$217	$165
North Charleston	$259	$202
Rock Hill	$242	$164
Summerville	$259	$192

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Fort Mill car insurance FAQs