For drivers in Easley, one of the more important considerations that determine the annual cost of car insurance is where you keep your vehicle. Areas with more people or more claims likely pay more, whereas areas with less congestion have the benefit of cheaper auto insurance prices.
The next table lists the most costly cities in South Carolina in which to buy car insurance. Easley comes in at #22 with a yearly premium of $1,055 for the average policy, which is around $88 each month.
|13||Hilton Head Island||$1,139|
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Rate information is comparative as the specific Easley residence address can alter premium rates noticeably.
Now that we see where Easley ranks based on price, establishing which company offers the best insurance rates in Easley takes a little more work in order to find the best policy. Every insurance provider uses their own method to determine premium rates, so let's take a look at the insurance companies with the overall cheapest rates in South Carolina.
It's important that readers know that Easley, SC insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Getting older, buying another vehicle, or getting a reckless driving citation may generate price changes that can cause some rates to be more affordable than the competition.
Find the Cheapest Car Insurance in Easley
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,298|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,321|
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The Hartford may have some of the cheapest car insurance rates in Easley at around $752 each year. This is $857 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also qualify as some of the lowest-priced Easley, SC car insurance companies.
As the example above demonstrates, if you are currently insured with Auto-Owners and switched to The Hartford, you might see an annual savings of approximately $355. Customers with SC Farm Bureau Mutual could save as much as $546 a year, and Southern Farm Bureau policyholders might lower prices by $546 a year.
These prices are averaged for all types of insureds and vehicles and do not factor in an exact location in Easley. So the auto insurance company that can offer you the lowest price may not even be in the list above. That helps illustrate why you need to get quotes using your own driver information and specific vehicle type.
The vehicle on the policy is a large factor when comparison shopping for the best cheap coverage in Easley. Vehicles with economical engines, modern passenger safety features, or a track record of few liability claims will cost much less to insure than higher performance models. The next table presents auto insurance costs for a number of the cheaper automobiles to insure in South Carolina.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$938|
|Ford Escape XLS 2WD||$944|
|Honda CR-V LX 4WD||$975|
|Honda Accord LX-P 4-Dr Sedan||$980|
|Chevrolet Silverado LS Regular Cab 4WD||$1,034|
|Ford F-150 STX Regular Cab 2WD||$1,044|
|Chevrolet Malibu LT||$1,042|
|Ford Explorer XLT 4WD||$1,057|
|Chevrolet Impala LTZ||$1,078|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,087|
|Ford Focus SE 4-Dr Sedan||$1,097|
|Chevrolet Equinox LTZ AWD||$1,103|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Easley, SC which can influence auto insurance rates greatly.
Looking at the numbers, cars like the Hyundai Elantra, Ford Escape, Toyota Prius, Honda CR-V, and Honda Accord are most likely to be some of the most budget-friendly vehicles to insure for drivers in Easley.
Types of discounts on Easley insurance rates
Insurers that offer quotes in Easley may have premium discounts that could lower prices by 25% or more if you meet the requirements. A list of companies and some of the premium reductions they offer can be found below.
- AAA has discounts for anti-theft, good driver, education and occupation, pay-in-full, multi-car, and AAA membership discount.
- Progressive includes discounts for homeowner, multi-vehicle, good student, multi-policy, and continuous coverage.
- State Farm may include discounts for passive restraint, multiple autos, safe vehicle, driver's education, anti-theft, and good driver.
- Esurance discounts include Pac-12 alumni, claim free, multi-policy, good student, paid-in-full, and DriveSense.
- Nationwide may have discounts that include business or organization, Farm Bureau membership, accident-free, anti-theft, multi-policy, and defensive driving.
The information below shows the difference between car insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no claims or driving violations, South Carolina state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, safe-driver, anti-theft, multiple vehicle, passive restraint, and claim-free discounts applied. When discounts are applied, theamount saved on car insurance in Easley is 28% or $599.
Illustration showing the impact of accidents and violations
The easiest method to score the best car insurance rates in Easley for drivers in Easley is to be a cautious driver and not receive tickets or have accidents. The diagram below highlights how traffic violations and accident claims impact insurance premiums for different age categories. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of car insurance in South Carolina per year with no accidents or violations is $1,533. Add in two speeding tickets and the average cost hikes up to $2,048, an increase of $515 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance in Easley increases to an average of $2,566. That's an increase of $1,033, or $86 per month, just for being a less-than-perfect driver!
Rate comparison of full coverage and liability-only
Lowering the price of car insurance is probably important to most drivers, and a great way to lower the cost of insurance in Easley is to only buy liability coverage. The diagram below illustrates the difference between car insurance rates with full coverage and liability only. The rates are based on no claims, a clean driving record, $1,000 deductibles, single marital status, and no policy discounts are applied.
If averaged out across all ages, full coverage on your policy costs an extra $1,911 per year more than just insuring for liability. A very common question is when is it a good idea to stop buying full coverage. There is no clear-cut rule of when to drop full coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.
There are a few situations where removing full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.