Cheap Auto Insurance Quotes in Hilton Head Island, SC (January 2022)

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Last Updated: January 2022

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.
$68
$92
$109
$116
$132
Direct AutoState FarmAllstateProgressiveNationwide

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!

Average Car Insurance Cost

$134
$154
$132
$125
$139
$119
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantHilton Head Island
Click here to learn about car insurance quotes and save on your current policy.

Hilton Head Island, SC Driving Facts

south-carolina

Minimum Car Insurance Requirements in SC

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 available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Find local Hilton Head Island agents

Correll Insurance Group of Hilton Head 
15 Bow Circle, Hilton Head Island, SC 29928
National Insurance Services 
200 Main St, Suite 201-M, Hilton Head Island, SC 29926
Strauss Insurance Services, LLC 
10 Park Lane, Hilton Head Island, SC 29928
Rita Manley Agency LLC 
4 Office Way, Suite C, Hilton Head Island, SC 29928
PC&L Agency Inc 
12 Lafayette Pl Ste C, Hilton Head Island, SC 29926-2203
Avex Insurance LLC 
213 William Hilton Parkway Ste 22775, Hilton Head Island, SC 29926
Windermere Insurance Group LLC 
2 Palmetto Bay Rd, Ste 200, Hilton Head Island, SC 29928-3278
RA Dextraze & Associates 
14 New Orleans Rd, Hilton Head Island, SC 29928-4743
Kinghorn Insurance 
23D Shelter Cove Ln, Hilton Head Island, SC 29928-3604
DBH Global/Seacoast Brokers LLC 
88-A Main St., Hilton Head Island, SC 29926-1684

Insurify Insights: How Hilton Head Island Drivers Measure Up

hyundai
Hyundai Sonata
Most Popular Car in
Hilton Head Island, SC
suspended licenses
#87
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hilton Head Island drivers measure up to their fellow South Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Hilton Head Island

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 56 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #56
  • Percent of drivers in Hilton Head Island with an accident: 10.19%
  • Drivers in Hilton Head Island, SC with an accident in their driving history paid on average 40.7% more than drivers with a clean record

Speeding in Hilton Head Island

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 58 in the number of speeding infractions per driver.

  • Rank within state: #58
  • Percent of drivers in Hilton Head Island with a speeding ticket: 11.14%
  • Drivers in Hilton Head Island, SC with a speeding ticket in their driving history paid on average 31.16% more than drivers with a clean record

DUI/DWIs in Hilton Head Island

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hilton Head Island drivers rank 54 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #54
  • Percent of drivers in Hilton Head Island with a DUI: 0.95%
  • Drivers in Hilton Head Island, SC with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Hilton Head Island

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hilton Head Island is the Hyundai Sonata.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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