Cheap Auto Insurance in Fort Mill, South Carolina (2023)

USAA, Auto-Owners, and State Farm are the best places to look for cheap car insurance in Fort Mill, South Carolina. Each of these companies provides liability coverage for less than $75 per month, on average; significant savings compared to the average cost of $266 in South Carolina. However, you shouldn’t assume all car insurance policies are alike.

Besides price differences, insurers offer varying levels of coverage and discount options. Here are some of the best ways to find affordable car insurance in Fort Mill to save money without sacrificing coverage.

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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. However, your best choice depends on your specific coverage needs and which discounts you qualify for.

Cheapest liability-only coverage: USAA

Cheapest for drivers with a DUI: Auto-Owners

Cheapest insurer for teen drivers: State Farm

Cheapest liability-only car insurance in Fort Mill

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.

Cheapest full-coverage car insurance in Fort Mill

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.

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.^[3] 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.^[4]

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

Uninsured/underinsured motorist coverage

This 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.

Collision coverage

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

Comprehensive coverage

This 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

This 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.

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.

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.

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Cheapest car insurance for drivers with a speeding ticket

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.

It’s worth noting that some insurers charge almost $300 more for coverage. Shopping around can help you get a cheaper policy to offset any rate increases.

Cheapest car insurance for drivers with an at-fault accident

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.

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

Cheapest car insurance for drivers with a DUI

The rate of alcohol-impaired driving deaths is 78% higher in South Carolina than the rest of the country.^[5] 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.

Cheapest car insurance for seniors

While car insurance quotes tend to decrease around age 35, senior drivers can see premiums drop 37% compared to the average cost of a policy in Fort Mill. But the savings fade with age, as insurers view older drivers as more likely to file claim.

Cheapest car insurance for teens

Young drivers tend to 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.^[6]

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.

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.

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Fort Mill car insurance quotes by credit tier

Insurance companies can’t deny you coverage because of your credit score, but they can consider it when setting your premiums.^[7] 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 $254 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $266. 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 $250, while drivers in Monks Corner pay an average of $320.

More cities in South Carolina

Fort Mill and the surrounding area, including Rock Hill, have some of the cheapest rates in South Carolina overall. Columbia and Charleston are much higher, with Columbia averaging 30% more, while Charleston is 24% more.

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