Cheapest Auto Insurance in Fort Mill, South Carolina (2026)

Liability car insurance in Fort Mill, South Carolina, costs $174 per month, on average — similar to the statewide average of $197 per month and more than the nationwide monthly average of $140.

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	$124	$75	Teen drivers
USAA	9.1	$112	$68	Liability-only coverage
Auto-Owners	8.2	$121	$73	Drivers with a DUI

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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

Compare Quotes

User Reviews	4.0 17,183 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.	$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.	$110/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,183 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.8	2.9
Policy transparency	3.8	3.1
Value	3.7	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 41 South Carolina reviews for Fort Mill driversSee all 7,403 State Farm reviews

Sam

Verified Review

In past years, it was good. Now the rate has jumped up 35% and coverage is up 5%. This is ridiculous. I have a 1999 Jeep with $5,000 coverage that was charging $108 per year, and this year it went up to $140 for the same coverage. Not good!

Reviewed in South Carolina on April 11, 2026

In past years, it was good. Now the rate has jumped up 35% and coverage is up 5%. This is ridiculous. I have a 1999 Jeep with $5,000 coverage that was charging $108 per year, and this year it went up to $140 for the same coverage. Not good!

David

Verified Review

Not good

Reviewed in South Carolina on April 11, 2026

It's way too expensive for not turning in a claim or getting a ticket for over 25 years.

Harriett

Verified Review

Coverage Issues

Reviewed in South Carolina on March 31, 2026

They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.

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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 3,438 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.	$60/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.	$99/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,438 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 14 South Carolina reviews for Fort Mill driversSee all 1,535 USAA reviews

Napoleon

Verified Review

USAA Praise Review

Reviewed in South Carolina on February 28, 2026

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

Paul

Verified Review

Great claims handling

Reviewed in South Carolina on February 20, 2026

Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.

James

Verified Review

USAA OK!

Reviewed in South Carolina on January 14, 2026

USAA treats members fairly and respectfully.

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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	4.3 329 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.	$65/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.	$107/mo

Details

Driver Reviews

4.3

Best choiceBased on 329 verified driver reviews and ratings

	Auto-Owners's score	Industry average
Coverage options	4.0	3.2
Customer service	3.5	3.6
Discounts	3.6	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cheap rates

Senior drivers

Ample discounts

Showing 3 South Carolina reviews for Fort Mill driversSee all 150 Auto-Owners reviews

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Mike

Verified Review

Solid car insurance company

Reviewed in South Carolina on December 22, 2025

They're very easy to talk to and will walk you through anything you need.

Michael

Verified Review

Best Kept Secret!

Reviewed in South Carolina on September 22, 2025

Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.

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 $60 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 $135 for liability-only policies. Below, you can find the lowest rates offered by insurers in Fort Mill.

The below rates in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$60
Auto-Owners	$65
State Farm	$67
GEICO	$93
Nationwide	$98
Allstate	$104
Travelers	$112
Progressive	$115
Safeco	$123
State Auto	$136
National General	$139
Root	$139
Direct Auto	$146
Dairyland	$154
The General	$161
Liberty Mutual	$163
GAINSCO	$164
AssuranceAmerica	$172
First Acceptance	$187
Bristol West	$224

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $213 per month. But Fort Mill drivers can still find lower rates for full coverage below.

The below rates in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$99
Auto-Owners	$107
State Farm	$110
GEICO	$145
Safeco	$156
Nationwide	$162
Allstate	$171
Progressive	$173
Travelers	$184
Root	$207
National General	$208
Direct Auto	$209
State Auto	$224
AssuranceAmerica	$242
Liberty Mutual	$262
First Acceptance	$296
GAINSCO	$306
Dairyland	$320
The General	$343
Bristol West	$374

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $74 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 $158 for liability coverage and $250 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 in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$60	$75
Auto-Owners	$65	$82
State Farm	$67	$82
GEICO	$93	$118
Nationwide	$98	$123
Allstate	$104	$131
Progressive	$115	$135
Travelers	$112	$141
Safeco	$123	$157
State Auto	$136	$175
Direct Auto	$146	$178
Root	$139	$180
Dairyland	$154	$185
GAINSCO	$164	$189
Liberty Mutual	$163	$201
The General	$161	$209
AssuranceAmerica	$172	$212
First Acceptance	$187	$219
Bristol West	$224	$274

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $170 for liability coverage and $268 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 in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
USAA	$60	$79
Auto-Owners	$65	$84
State Farm	$67	$87
GEICO	$93	$119
Nationwide	$98	$129
Allstate	$104	$136
Progressive	$115	$145
Travelers	$112	$148
Safeco	$123	$168
State Auto	$136	$182
Root	$139	$182
Direct Auto	$146	$194
Dairyland	$154	$199
GAINSCO	$164	$205
Liberty Mutual	$163	$211
The General	$161	$217
AssuranceAmerica	$172	$223
First Acceptance	$187	$235
Bristol West	$224	$288

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $217 for liability coverage and $343 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 in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
USAA	$60	$92
Auto-Owners	$65	$99
State Farm	$67	$102
GEICO	$93	$141
Nationwide	$98	$150
Allstate	$104	$159
Travelers	$112	$171
Progressive	$115	$185
Safeco	$123	$198
State Auto	$136	$199
Root	$139	$214
Direct Auto	$146	$223
Dairyland	$154	$235
The General	$161	$237
Liberty Mutual	$163	$249
GAINSCO	$164	$250
AssuranceAmerica	$172	$262
First Acceptance	$187	$301
Bristol West	$224	$342

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $121 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 in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$82	$50
Auto-Owners	$86	$53
State Farm	$88	$54
GEICO	$118	$76
Nationwide	$127	$77
Safeco	$139	$110
Allstate	$142	$86
Travelers	$150	$92
Progressive	$156	$103
State Auto	$174	$105
Direct Auto	$175	$122
Root	$177	$119
AssuranceAmerica	$194	$138
Liberty Mutual	$223	$139
First Acceptance	$266	$168
GAINSCO	$267	$143
Dairyland	$277	$133
The General	$299	$140
Bristol West	$319	$191

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $241 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 in Fort Mill, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$182	$110
State Farm	$212	$129
Auto-Owners	$216	$131
GEICO	$260	$167
Progressive	$309	$205
Nationwide	$314	$190
Safeco	$314	$248
Allstate	$336	$204
Root	$357	$240
Travelers	$381	$232
Direct Auto	$403	$281
Liberty Mutual	$455	$283
AssuranceAmerica	$497	$353
First Acceptance	$528	$334
State Auto	$542	$329
GAINSCO	$545	$292
Dairyland	$552	$266
The General	$610	$286
Bristol West	$658	$394

Disclaimer: Table data sourced from real-time Fort Mill car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fort Mill 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 $174 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $197.

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 $177 per month, while drivers in Myrtle Beach pay an average of $188 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	$261	$181
Columbia	$263	$173
Greenville	$221	$154
Lexington	$235	$147
Myrtle Beach	$219	$157
North Charleston	$271	$200
Rock Hill	$236	$155
Summerville	$265	$181

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

Fort Mill car insurance FAQs