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

Drivers in Fort Mill pay $254 per month on average — $12 less than the average rate in South Carolina.

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 February 29, 2024 at 11:00 AM PST

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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.

Quick Facts
  • In South Carolina, insurers can consider credit scores, so drivers with lower scores may pay more for car insurance.

  • Fort Mill is more than 100 miles from the South Carolina coast, and its relatively lower risk of flood likely contributes to its lower-than-average rates. 

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

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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

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.
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.
$46/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.
$75/mo

USAA has an IQ Score of 4.3 out of 5 and very affordable rates. The downside is that coverage is only available to active-duty military members, veterans, and their families. It’s the cheapest Fort Mill car insurance company, with an average monthly liability policy cost of $62, or $91 for full coverage.

Pros
  • Wide range of customizable policy options and discounts

  • Above-average rating in the J.D. Power 2022 U.S. Auto Insurance Study[1]

  • Few complaints in South Carolina, according to the National Association of Insurance Commissioners (NAIC)[2]

Cons
  • Coverage not available to everyone

  • No local branches in South Carolina

  • Rideshare insurance not available in South Carolina

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Cheapest 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.
4.1
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.
$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.
$81/mo

Auto-Owners is the best insurer for Fort Mill drivers with DUIs. It has a 4.1 IQ Score and plenty of local agents — you’ll find four in Fort Mill. The average monthly cost for liability-only insurance is $67, while full coverage costs $98.

Pros
  • Lower-than-average auto rates

  • Few complaints in South Carolina, according to the NAIC[2]

  • 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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Cheapest 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.
4.4
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.
$51/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 discount programs to reduce your bill even more. Drivers in Fort Mill pay $69 for liability only and $101 for full coverage, on average. The company has nine agents in Fort Mill and an IQ Score of 4.4.

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

  • Above-average rating in the J.D. Power 2022 U.S. Auto Insurance Study[1]

  • Rideshare insurance available

Cons
  • Not the cheapest option in Fort Mill

  • Can’t purchase a policy online

  • Gap insurance not available

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA46
Auto-Owners50
State Farm51
GEICO55
Safeco70
Nationwide73
Allstate80
State Auto85
Travelers86
Progressive100
Direct Auto117
Liberty Mutual124
Dairyland158
The General164
National General175
AssuranceAmerica185
Bristol West187
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

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 below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA75
Auto-Owners81
State Farm84
GEICO89
Nationwide114
Safeco121
Allstate130
Travelers130
State Auto148
Progressive157
Direct Auto178
AssuranceAmerica218
Liberty Mutual224
National General254
Dairyland267
The General271
Bristol West313
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.

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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]

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

    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.

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

    Collision coverage

    This 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

    This 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

    This 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.

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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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA99
State Farm109
Auto-Owners110
GEICO118
Nationwide152
Allstate172
Safeco172
Travelers175
State Auto211
Progressive216
Direct Auto246
AssuranceAmerica310
Liberty Mutual318
National General337
Dairyland364
The General370
Bristol West420
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

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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA102
Auto-Owners112
State Farm113
GEICO122
Nationwide157
Allstate178
Travelers180
Safeco181
State Auto221
Progressive224
Direct Auto254
AssuranceAmerica316
Liberty Mutual329
National General353
Dairyland373
The General383
Bristol West427
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

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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA122
Auto-Owners132
State Farm137
GEICO145
Nationwide186
Safeco197
Allstate212
Travelers212
State Auto241
Progressive256
Direct Auto261
AssuranceAmerica355
Liberty Mutual365
National General413
Dairyland435
The General441
Bristol West510
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

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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm47
Auto-Owners48
USAA48
GEICO54
Nationwide62
Progressive79
Travelers81
Allstate82
Safeco89
Direct Auto109
AssuranceAmerica132
Liberty Mutual143
Dairyland180
National General186
The General196
Bristol West203
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

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.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA126
Auto-Owners137
GEICO142
State Farm146
Nationwide198
Safeco220
Allstate231
Travelers237
State Auto269
Progressive284
Direct Auto328
Liberty Mutual386
AssuranceAmerica418
Dairyland439
The General439
National General490
Bristol West528
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.
Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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

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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.

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 $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.

CityAverage Monthly QuoteCompared to Fort Mill
Charleston$31524%
Columbia$35239%
Conway$29215%
Greenville$29315%
Lexington$30922%
Myrtle Beach$28512%
North Charleston$30620%
Rock Hill$27910%
Summerville$31122%
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.
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.

  • 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 4.3 and an A.M. Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 4.4 and an A.M. 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. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed June 23, 2023
  2. National Association of Insurance Commissioners. "https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_STATE&Cocode=18600&REALM=PROD&Cocode=18600&REALM=PROD." Accessed June 23, 2023
  3. South Carolina Department of Insurance. "Insurance Requirements." Accessed June 23, 2023
  4. South Carolina Department of Motor Vehicles. "Insurance Requirements." Accessed June 23, 2023
  5. Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving - South Carolina." Accessed June 23, 2023
  6. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed June 23, 2023
  7. South Carolina General Assembly. "Bill 3219: Consumer credit reporting." Accessed June 23, 2023
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.

Featured in

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