The vehicle model you are insuring is probably the biggest factor when trying to find affordable insurance for single moms. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.
The table below outlines car insurance premiums for a selection of the most cost-effective vehicles to insure in South Carolina.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$878|
|Toyota Tacoma 4WD||$909|
|Ford F-150 XL Super Cab 4WD||$917|
|Honda CR-V LX 2WD||$927|
|Honda Accord EX 4-Dr Sedan||$936|
|Hyundai Elantra GLS Touring Station Wagon||$994|
|Chevrolet Impala LTZ||$1,007|
|Volkswagen Jetta SE 4-Dr Sedan||$1,025|
|Jeep Grand Cherokee Limited 2WD||$1,032|
|Chevrolet Equinox LTZ 2WD||$1,025|
|Nissan Rogue S 2WD||$1,027|
|Ford Explorer XLT 2WD||$1,039|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$1,076|
|Honda Odyssey LX||$1,088|
|Kia Optima SX||$1,095|
|Dodge Grand Caravan Hero||$1,097|
|Toyota RAV4 4WD||$1,105|
|Dodge Ram Crew Cab Laramie 2WD||$1,113|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,135|
|Ford Focus SE 4-Dr Sedan||$1,152|
|Toyota Camry SE||$1,154|
|Ford Edge Sport AWD||$1,163|
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location which can alter premiums substantially.
Based upon these rates, we can tell that cars like the Ford Escape, Toyota Prius, and Toyota Tacoma are going to be the most economical vehicles to insure for single parents.
For single parents, one of the largest criteria that are used to help calculate the amount you pay for auto insurance is where you normally keep your vehicle in South Carolina. Areas with more people or more claims like Goose Creek, Florence, and Charleston are more likely to pay higher prices, whereas areas with less congestion benefit from lower prices.
The illustration below ranks the priciest cities in South Carolina for single moms in which to buy car insurance.
|Rank||City||Premium Per Year|
|12||Hilton Head Island||$1,173|
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Price information shown is estimated as the specific zip code location can alter auto insurance rates significantly.
How accidents and violations affect rates in South Carolina
The ideal way to receive affordable car insurance premiums in South Carolina for single parents is to be a careful driver and avoid at-fault accidents and violations. The example below demonstrates how speeding tickets and fender-benders can impact car insurance rates for each age group. The premiums are based on a single male driver, full coverage, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,957. Get written up for two speeding tickets and the average cost surges to $2,596, an increase of $639 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for single moms in South Carolina increases to an average of $4,866. That's an increase of $2,909, or $242 per month, just for being a careless driver!
Which car insurance company is best in South Carolina?
Picking the right car insurance company can be rather challenging considering how many companies sell insurance in South Carolina. The rank data in the next section may help you pick which providers to look at to insure your vehicles.
These ratings are only made up of large, nationwide insurance companies, so smaller regional companies are not taken into consideration for this list. If you wish to compare rates from many more South Carolina auto insurance companies, click here.
Top 10 Large Auto Insurance Providers in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in South Carolina Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
- Titan Insurance
South Carolina car insurance rates
South Carolina car insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Improving your credit score, buying a different home, or having an accident can trigger price changes that can now make some companies cheaper than competitors.
And not only may your rating factors change, but insurers amend pricing at least once a year to ensure their profitability. Heavy losses may result in higher rates, while lower claim expenses may produce lower-cost South Carolina car insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in South Carolina for a 30-year-old female driver with no accidents or violations, and a decent credit rating. When quoting prices based on her current risk profile, The Hartford has the lowest car insurance rates in South Carolina at $768 per year. This is $841 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also make the list of the best South Carolina auto insurance companies.
Let's now give the driver from the above example a chargeable claim, less-than-perfect credit, and a few traffic violations. Due to the fact that each insurance company has a proprietary method to set policy rates, comparing insurance quotes may result in a completely different list of affordable companies as shown below.
National Grange Mutual now has the best price on car insurance in South Carolina with Travelers, State Farm, USAA, and State Auto also being competitive. This shows why it is crucial to perform a complete rate comparison to get cheap insurance quotes for single moms.
Car insurance prices can be altered by many factors and can change substantially, so the best company when you last compared rates may now be costing you a lot of money.
How to find economical insurance for single moms
Here are some money-saving solutions that can help South Carolina drivers buy low-cost coverage.
- Accident-free drivers may qualify for discounts
- Clean up your credit rating
- Speeding tickets and other violations increase rates
- Buy safe vehicles
- Higher comprehensive and collision coverage deductibles will save money
- On older vehicles, drop full coverage
- Compare quotes from other companies often
The last tip in the list is especially valuable, as we emphasized in this write-up. Prices charged by car insurance companies change constantly, so don't hesitate to change to a new company if you find a better deal.
Many consumers stick with the same company and that's fine, but it isn't a good idea if that stubbornness costs you big bucks every year. Take a few minutes and compare rates to find cheaper auto insurance for single moms.