The words "low-cost" and "auto insurance" really shouldn't be used together, specifically when shopping around for the best coverage prices for state employees. In an attempt to save some money, let's lead off by showing you some things that impact car insurance rates, and find out if we can help you lower the price of the next policy you buy.
The type of vehicle you are insuring is one of the largest factors that determines whether or not you find the best auto insurance for state employees. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The next table outlines auto insurance prices for a handful of the most affordable automobiles to insure in South Carolina.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$811|
|Ford F-150 STX Regular Cab 4WD||$909|
|Ford Escape XLT 2WD||$927|
|Chevrolet Impala LT||$958|
|Ford Fusion S 4-Dr Sedan||$963|
|Toyota RAV4 2WD||$958|
|Ford Explorer Limited 2WD||$976|
|Honda Civic LX 4-Dr Sedan||$988|
|Hyundai Elantra GLS Touring Station Wagon||$994|
|Honda CR-V EX 2WD||$1,000|
|Chevrolet Equinox LTZ 2WD||$1,031|
|Kia Optima LX||$1,027|
|Find Cheaper Rates Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can impact rates significantly.
Based upon the table data, we can infer that makes and models like the Honda Accord, Ford F-150, Ford Escape, Chevrolet Impala, and Ford Fusion are most likely going to be the more affordable vehicles to insure for state workers.
Buying cost effective auto insurance is challenging, and figuring out which insurers offer the cheapest car insurance rates for state employees in South Carolina may require even more rate comparisons. Every insurance provider uses slightly different criteria to set policy rates, so let's take a look at the most affordable car insurance companies in South Carolina.
It's a good idea to be aware that South Carolina car insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Improving your credit score, buying a safer car, or having an accident can trigger rate changes resulting in some rates now being higher-priced than the competition.
Compare Cheap Insurance Quotes in South Carolina
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,260|
|6||Southern Farm Bureau||$1,286|
|7||National Grange Mutual||$1,335|
|View More Rates Go|
The Hartford has some of the most affordable car insurance rates in South Carolina at around $768 a year. This is $841 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also be considered some of the best South Carolina insurance companies.
As shown above, if you are a policyholder with SC Farm Bureau Mutual and switched to USAA, you might see annual savings of in the vicinity of $275. Customers with Southern Farm Bureau might save as much as $301 a year, and National Grange Mutual customers might reduce rates by $350 a year.
To find the cheapest coverage for you, click here or visit several of the following companies.
Be aware that those rates are averages across all drivers and vehicles in South Carolina and do not factor in a price decrease for state employees. So the insurer that is most affordable for your situation may not even be in the top 18 companies shown above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.
For state workers, one of the more important factors that are looked at to help calculate the amount you pay each year for auto insurance is where you live in South Carolina. Cities with more crime and/or more people like North Charleston, Goose Creek, and Sumter will most likely pay more, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The information below ranks the most costly cities in South Carolina for state employees in which to buy car insurance.
|Rank||City||Average Per Year|
|12||Hilton Head Island||$1,162|
|Find Cheaper Insurance Go|
Table data uses comparative as the specific area where the vehicle is garaged can modify rates greatly.
How to get discounts on South Carolina insurance rates
Insurance providers that offer quotes for state employees may provide premium discounts that may potentially lower prices by as much as 30% if you qualify for them. A few popular companies and a selection of discounts can be found below.
- State Farm policyholders can earn discounts including multiple autos, accident-free, multiple policy, Drive Safe & Save, anti-theft, and student away at school.
- Progressive has savings for continuous coverage, multi-policy, good student, online quote discount, multi-vehicle, and online signing.
- Travelers offers premium reductions for driver training, save driver, home ownership, good student, continuous insurance, hybrid/electric vehicle, and early quote.
- American Family offers discounts for good student, accident-free, defensive driver, air bags, early bird, Steer into Savings, and good driver.
- Liberty Mutual may offer discounts for good student, hybrid vehicle, preferred payment discount, multi-car, and exclusive group savings.
The information below compares insurance premiums with and without discounts applied to the rates. The rates are based on a male driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with accident-free, claim-free, multiple policy, multiple vehicle, vehicle safety, and homeowner discounts applied. With discounts applied, theamount saved on car insurance for state employees is 28% or $446.
The illustration below shows how different deductible levels can raise or lower insurance rates when quoting cheap insurance for state employees in South Carolina. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could reduce rates by $314 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could roll back prices $920 or more by using a higher deductible. When using a larger deductible, it will be important to have plenty of savings on hand to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Finding a highly-rated car insurance company can be a challenge considering how many companies sell coverage in South Carolina. The information in the next section could help you choose which auto insurers you want to consider when comparing auto insurance rates for state employees. These rankings include companies with a national presence, so companies that focus mainly on South Carolina business are not included in this list.
Top 10 Major Auto Insurance Companies in South Carolina Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Companies in South Carolina Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
How to find more affordable car insurance for state employees
The list below details some money-saving suggestions that can help South Carolina drivers find lower-cost coverage.
- You will pay more if you get tickets or have at-fault accidents
- Drive a car with a high safety rating
- Good credit can help you save money
- Prevent rate increases by staying accident-free
- Frequent claims may make car insurance unaffordable
- Shop around for cheaper rates regularly
The last suggestion is extremely significant, as was discussed in the prior article. Prices charged by car insurance companies can change considerably in a year, so drivers shouldn't hesitate to change insurance companies if a better rate can be found.
Having a favorite company is great, but it's not a good idea if your bullheadedness ends up costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to compare prices and find cheaper auto insurance for state employees.