The vehicle to be insured is a large factor when consumers are trying to find the lowest-priced car insurance for drivers with a bad driving record. Vehicles with economical engines, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than higher performance models.
The list below shows car insurance costs for a selection of the most affordable vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,043|
|Honda CR-V EX 4WD||$3,049|
|Ford F-150 XL Super Cab 2WD||$3,273|
|Dodge Grand Caravan SE||$3,404|
|Ford Focus SE 4-Dr Sedan||$3,431|
|Honda Odyssey EX||$3,563|
|Hyundai Elantra Blue 4-Dr Sedan||$3,590|
|Toyota RAV4 2WD||$3,604|
|Toyota Tacoma Double Cab 4WD||$3,614|
|Ford Explorer Limited 4WD||$3,604|
|Toyota Corolla S||$3,623|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$3,643|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$3,655|
|Nissan Altima 3.5 SR 4-Dr Sedan||$3,665|
|Ford Fusion SE 4-Dr Sedan||$3,655|
|GMC Sierra SL Crew Cab 2WD||$3,665|
|Honda Civic VP 4-Dr Sedan||$3,698|
|Chevrolet Impala LTZ||$3,733|
|Ford Edge Limited AWD||$3,761|
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Table data represents single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location information which can raise or lower premiums noticeably.
Based upon the rates shown, you can presume that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford F-150, and Dodge Grand Caravan should be the more affordable vehicles to insure for bad drivers. The price for an auto insurance policy will tend to be higher because there is more liability exposure for drivers with a bad driving record, but in general those particular vehicles will most likely have the cheapest rates compared to other types of vehicles.
One of the many things that help determine auto insurance rates is where you live in South Carolina. More populated areas like Florence, Summerville, and Sumter likely pay more, whereas areas with less crime or weather claims get the luxury of paying less.
The following table rates the highest-priced places in South Carolina for drivers with a bad driving record to buy auto insurance in.
|Rank||City||Premium Per Year|
|15||Hilton Head Island||$1,127|
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Prices are approximated as the specific area where the vehicle is garaged can decrease or increase coverage rates greatly.
Deciphering which companies offer the cheapest auto insurance rates for drivers with a bad driving record in South Carolina takes a little more sweat than just comparing a company or two. Each auto insurance company has a different formula for determining rates, so we will examine the most affordable auto insurance companies in South Carolina.
It's important that you understand South Carolina auto insurance rates are influenced by many factors that control your annual premium. Simply having a birthday, filing a claim, or having a fender bender may prompt premium changes resulting in some rates now being cheaper than others.
Find Cheaper Car Insurance for Imperfect Drivers
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,321|
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The Hartford may have some of the most affordable car insurance rates in South Carolina at around $768 each year. This is $841 less than the average price 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 most economical South Carolina auto insurance companies.
In the above example, if you are insured with Auto-Owners and switched to USAA, you could realize yearly savings of in the vicinity of $82. Policyholders with SC Farm Bureau Mutual may save as much as $261 a year, and Southern Farm Bureau policyholders might cut rates by $273 a year.
It's important to note that these premiums are averages across all insureds and vehicles and and are not figured with a price surcharge for drivers with a bad driving record. So the company that fits your needs best may not even be in the top 18 companies in the list above. That point stresses why you need to get quotes using your own personal information and vehicle type.
Reckless driving habits raise South Carolina auto insurance rates
The common sense way to earn the best auto insurance premiums in South Carolina for bad drivers is to be an attentive driver and avoid traffic citations and accidents. The chart below illustrates how violations and accident claims can drive up car insurance rates for different insured age categories. The rate quotes are based on a single male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of auto insurance in South Carolina per year with no violations or accidents is $1,957. Add in one speeding ticket and the average cost increases to $2,202, an increase of $245 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for drivers with a bad driving record in South Carolina goes up to an average of $2,897. That's an increase of $940, or $78 per month, just for not driving responsibly!
Should you buy full coverage?
Saving on auto insurance is probably important to the majority of vehicle owners, and one of the best ways to lower the cost of insurance for drivers with a bad driving record in South Carolina is to not buy comprehensive and collision coverage. The chart below illustrates the comparison of car insurance rates with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.
As an average for all age groups, full coverage costs $1,794 per year over liability only. Many drivers may wonder if buying full coverage is worth the expense. There is no exact rule for eliminating physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
The example below highlights how deductible selection can change yearly insurance costs when getting quotes for cheap insurance for drivers with a bad driving record in South Carolina. The data is based on a single male driver, full coverage, and no additional discounts are factored in.
A 30-year-old driver could save $442 a year by switching from a $100 deductible up to a $500 deductible, or save $664 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could roll back prices up to $1,292 annually by using a higher deductible. When choosing a higher deductible, it will be required to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find budget-friendly auto insurance for drivers with a bad driving record in South Carolina
It is possible to find better rates, and here are a few thrifty solutions that can help drivers find more affordable auto insurance.
- Keep your driving record clean
- Prevent price hikes by avoiding at-fault accidents
- Raise your physical damage coverage deductibles
- Safer vehicles generally have cheaper insurance rates
- Pay cheaper rates with good credit scores
- Keep rates low by comparing prices once a year
The last tip is particularly necessary, as we noted in the prior article. Prices charged by companies fluctuate considerably, so don't be hesitant to switch to a new company if a cheaper price is available.
Having a favorite company is great, but is isn't recommended if that inflexibility results in costing you money that could be used for better things. Spend a few minutes and shop around to find cheaper car insurance for drivers with a bad driving record.