Cheapest Auto Insurance in Fort Mill, South Carolina (2024)

Drivers in Fort Mill can secure cheap rates with USAA, with liability policies starting at $45 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated June 20, 2024

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Cheapest recent rates near Fort Mill, South Carolina

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $97/mo for full coverage in Fort Mill and other South Carolina cities.

*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Liability car insurance in Fort Mill costs $199 per month, on average — similar to the statewide average of $221 per month and more than the nationwide monthly average of $160.

Fort Mill’s close proximity to the large city of Charlotte 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.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the best places to look for cheap car insurance in Fort Mill.

  • Drivers in Fort Mill pay a yearly average of $2,390 for car insurance.

  • USAA offers the best auto rates for veterans and active military members in Fort Mill.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$95$56Teen drivers
USAA9.4$86$50Liability-only coverage
Auto-Owners8.5$93$54Drivers with a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$50/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.
$84/mo

You’ll find some of the most competitive auto rates for teen drivers at State Farm, alongside 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’t purchase a policy online

  • Gap insurance not available

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for liability-only coverage: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$45/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.
$77/mo

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 not available to everyone

  • No local branches in South Carolina

  • Rideshare insurance not available in South Carolina

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

Best insurer for drivers with a DUI: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$49/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.
$82/mo

Auto-Owners is the best insurer for Fort Mill drivers with DUIs. It has plenty of local 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
  • Many customer complaints about the claims process

  • Poor mobile app ratings

  • Must contact an agent via phone to get a quote

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

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 $45 per month

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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 $169 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$45
Auto-Owners$49
State Farm$50
GEICO$54
Safeco$72
Nationwide$74
Allstate$78
Travelers$84
Midvale Home & Auto$97
Progressive$100
State Auto$102
Direct Auto$119
Liberty Mutual$134
Dairyland$140
The General$160
National General$165
AssuranceAmerica$190
Bristol West$191
GAINSCO$217
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

The average cost of full-coverage car insurance in Fort Mill is $229 per month. But Fort Mill drivers can still find lower rates for full coverage below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$77
Auto-Owners$82
State Farm$84
GEICO$90
Safeco$120
Nationwide$125
Allstate$132
Travelers$142
State Auto$149
Progressive$159
Midvale Home & Auto$167
Direct Auto$199
AssuranceAmerica$223
Liberty Mutual$241
National General$242
The General$285
Dairyland$308
Bristol West$330
GAINSCO$375
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Fort Mill, South Carolina

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $97/mo for full coverage in Fort Mill and other South Carolina cities.

*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. 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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage to fully compensate you for the damages.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays to replace or repair your vehicle if it’s damaged in a collision, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement

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

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing coverage

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

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 $57 for drivers with an incident

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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 $253 for liability coverage and $343 for full coverage per month. Shopping around can help you get a cheaper policy to offset any rate increases.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA$45$60
Auto-Owners$49$66
State Farm$50$66
GEICO$54$72
Safeco$72$98
Nationwide$74$100
Allstate$78$104
Travelers$84$113
Midvale Home & Auto$97$134
Progressive$100$134
State Auto$102$147
Direct Auto$119$160
Liberty Mutual$134$196
Dairyland$140$188
The General$160$216
National General$165$218
AssuranceAmerica$190$258
Bristol West$191$253
GAINSCO$217$318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $258 for liability coverage and $349 for full-coverage car insurance.

Below, you can find a policy that fits your needs by comparing insurers and considering factors such as coverage limits and deductibles.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA$45$62
Auto-Owners$49$68
State Farm$50$69
GEICO$54$75
Safeco$72$97
Nationwide$74$103
Allstate$78$108
Travelers$84$117
Midvale Home & Auto$97$142
Progressive$100$141
State Auto$102$154
Direct Auto$119$168
Liberty Mutual$134$202
Dairyland$140$193
The General$160$226
National General$165$229
AssuranceAmerica$190$263
Bristol West$191$261
GAINSCO$217$290
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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] Insurers view DUIs as a major risk and will charge you substantially higher rates if you have one on your record. 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 $292 for liability coverage and $395 for full coverage. Check out the table below that highlights the most affordable car insurance rates for Fort Mill drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA$45$77
Auto-Owners$49$84
State Farm$50$85
GEICO$54$92
Safeco$72$123
Nationwide$74$126
Allstate$78$133
Travelers$84$143
Midvale Home & Auto$97$165
Progressive$100$171
State Auto$102$174
Direct Auto$119$203
Liberty Mutual$134$229
Dairyland$140$239
The General$160$273
National General$165$281
AssuranceAmerica$190$324
Bristol West$191$326
GAINSCO$217$370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 35, senior drivers can see premiums drop. But the savings fade with age, as insurers view older drivers as more likely to file a claim.

Senior drivers living in Fort Mill pay an average of $132 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$60$35
Auto-Owners$63$37
State Farm$64$38
GEICO$70$42
Nationwide$91$54
Safeco$95$57
Allstate$103$61
Travelers$108$64
Progressive$111$70
State Auto$111$76
Midvale Home & Auto$124$72
Direct Auto$150$90
AssuranceAmerica$164$140
National General$186$126
Liberty Mutual$188$105
The General$227$127
Dairyland$240$109
Bristol West$257$149
GAINSCO$302$175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 — the biggest reason is the increased risk of 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 $304 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. 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$128$75
Auto-Owners$141$84
GEICO$142$85
State Farm$143$85
Nationwide$214$127
Allstate$232$137
Safeco$250$150
Travelers$256$151
State Auto$265$181
Progressive$287$181
Midvale Home & Auto$289$168
Direct Auto$363$217
AssuranceAmerica$414$353
Liberty Mutual$445$247
The General$461$259
National General$463$316
Dairyland$515$234
Bristol West$562$326
GAINSCO$668$386
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Fort Mill?

Drivers in Fort Mill pay $199 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $221.

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 $178 per month, while drivers in Myrtle Beach pay an average of $172 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.

CityFull CoverageLiability Only
Charleston$322$207
Columbia$283$178
Greenville$236$165
Lexington$245$158
Myrtle Beach$201$144
North Charleston$356$231
Rock Hill$293$188
Summerville$329$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Fort Mill car insurance FAQs

If you still have questions about finding car insurance in Fort Mill, check out the answers to some commonly asked questions below.

  • What factors affect car insurance costs in Fort Mill?

    Like any city, factors like your ZIP code, driving record, age, credit score, and more affect the cost of car insurance in Fort Mill. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.

  • Which company has the cheapest car insurance in Fort Mill?

    USAA has the cheapest car insurance in Fort Mill, with monthly liability rates as low as $45. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $49 and $50.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Fort Mill?

    USAA is the best car insurance company in Fort Mill, with an IQ Score of 9.4 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior).

  • How much insurance do you need in South Carolina?

    The minimum liability-insurance requirements in South Carolina are $25,000 per person and $50,000 per accident in bodily injury liability, along with $25,000 per accident in property damage liability. Car owners also need to purchase uninsured motorist coverage with coverage levels equal to liability coverage requirements.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. National Association of Insurance Commissioners. "https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_STATE&Cocode=18600&REALM=PROD&Cocode=18600&REALM=PROD."
  2. South Carolina Department of Insurance. "Insurance Requirements."
  3. South Carolina Department of Motor Vehicles. "Insurance Requirements."
  4. Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving - South Carolina."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. South Carolina General Assembly. "Bill 3219: Consumer credit reporting."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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