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Cheap Auto Insurance Quotes in Hilton Head Island, SC (August 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Hilton Head Island, SC
The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hilton Head Island, SC to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Hilton Head Island is $207 per month, or $2484 annually.
- Car insurance in Hilton Head Island is $52 less than the average cost of car insurance in South Carolina.
- The cheapest car insurance provider in Hilton Head Island on average is Progressive, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Direct Auto$68
State Farm$92
Allstate$109
Progressive$116
Nationwide$132
Cheapest Car Insurance in Hilton Head Island, SC
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Hilton Head Island | Quotes |
|---|---|
| Direct Auto | $68 /mo |
| State Farm | $92 /mo |
| Allstate | $109 /mo |
| Progressive | $116 /mo |
| Nationwide | $132 /mo |
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Average Car Insurance Cost
| South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Hilton Head Island | $119/mo |
| South Carolina | $134/mo |
Hilton Head Island$119
North Charleston$125
Charleston$132
Average for SC$134
Mount Pleasant$139
Columbia$154
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in South Carolina
All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in South Carolina[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $25,000 per person for uninsured/underinsured motorist bodily injury
- $50,000 per accident for uninsured/underinsured motorist bodily injury
- $25,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.
Find local Hilton Head Island agents
Correll Insurance Group of Hilton Head
15 Bow Circle,
Hilton Head Island, SC 29928National Insurance Services
200 Main St,
Suite 201-M, Hilton Head Island, SC 29926Strauss Insurance Services, LLC
10 Park Lane,
Hilton Head Island, SC 29928Rita Manley Agency LLC
4 Office Way,
Suite C, Hilton Head Island, SC 29928PC&L Agency Inc
12 Lafayette Pl Ste C,
Hilton Head Island, SC 29926-2203Avex Insurance LLC
213 William Hilton Parkway Ste 22775,
Hilton Head Island, SC 29926Windermere Insurance Group LLC
2 Palmetto Bay Rd,
Ste 200, Hilton Head Island, SC 29928-3278RA Dextraze & Associates
14 New Orleans Rd,
Hilton Head Island, SC 29928-4743Kinghorn Insurance
23D Shelter Cove Ln,
Hilton Head Island, SC 29928-3604DBH Global/Seacoast Brokers LLC
88-A Main St.,
Hilton Head Island, SC 29926-1684
FAQs - Hilton Head Island, SC Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Hilton Head Island Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hilton Head Island, South Carolina below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hilton Head Island drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
BMW 3-Series
Most Popular Car in Hilton Head Island
#60
City with the Most Speeding Tickets Rank in South Carolina
#59
City with the Most Moving Violations Rank in South Carolina
#56
City with the Most DUIs Rank in South Carolina
#53
City with the Most Suspended Licenses in South Carolina
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hilton Head Island drivers rank 43 in the number of car accidents per driver across all cities in South Carolina.
- Rank within state: #43
- Percent of drivers in Hilton Head Island with an accident: 8.19%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hilton Head Island drivers rank 56 in the number of DUI’s per driver across all cities in South Carolina.
- Rank within state: #56
- Percent of drivers in Hilton Head Island with a DUI: 0%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Hilton Head Island drivers rank 35 in the number of reckless driving offenses per driver.
- Rank within state: #35
- Percent of drivers in Hilton Head Island with a reckless driving offense: 0%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Hilton Head Island drivers rank 29 in rude driving infractions.
- Rank within state: #29
- Percent of drivers in Hilton Head Island with a reckless driving violation: 0.97%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Hilton Head Island drivers rank 60 in the number of speeding infractions per driver.
- Rank within state: #60
- Percent of drivers in Hilton Head Island with a speeding ticket: 6.9%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hilton Head Island drivers rank 1 in clean driving records across all cities in South Carolina.
- Rank within state: #1
- Percent of drivers in Hilton Head Island with clean record: 15.48%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- South Carolina Department of Insurance . "State Minimum Car Insurance Requirements." Accessed May 28, 2022