For drivers in Saint Andrews, one of the big criteria that help determine the amount you pay each year for auto insurance is where you keep your vehicle. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The illustration below shows the most expensive cities in South Carolina to purchase auto insurance in. Saint Andrews makes the list at #11 with an annual cost of $1,184 for coverage, which is about $99 each month.
|13||Hilton Head Island||$1,127|
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Table data uses comparative as zip code location can affect insurance rates substantially.
Now that we understand where Saint Andrews ranks price-wise, determining which insurers offer the best auto insurance rates in Saint Andrews takes a little more effort in order to find the most economical policy. Each auto insurer uses a slightly different approach to establish rates, so we'll go over the most competitive auto insurance companies in South Carolina.
Keep in mind that Saint Andrews, SC auto insurance rates are influenced by many factors that can increase the price you have to pay. Simply having a birthday, buying a different vehicle, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies more affordable than before.
Lowest Insurance Price Quotes in Saint Andrews
The Hartford quotes some of the cheapest car insurance rates in Saint Andrews at around $775 per year. This is $834 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 make the list of some of the best Saint Andrews, SC insurance companies.
In the rate table above, if you are a policyholder with Auto-Owners and switched to USAA, you could see an annual premium reduction of upwards of $122. Insureds with SC Farm Bureau Mutual could save as much as $275 a year, and Southern Farm Bureau insureds might lower prices by up to $275 a year.
To find out how your current rates compare, click here to get quotes or feel free to get quotes from the companies below.
It's important to note that these prices are averages across all types of insureds and vehicles and and are not calculated with an exact zip code location in Saint Andrews. So the insurer that can offer you the best price may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own personal information and vehicle type.
The car, truck, or SUV you are seeking coverage for is one of the largest considerations that determines the availability of the best auto insurance in Saint Andrews. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next list estimates car insurance rates for a handful of the more affordable automobiles to insure in South Carolina.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,152|
|Chevrolet Equinox LT 2WD||$1,191|
|Chevrolet Impala LT||$1,197|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,214|
|Ford Explorer Limited AWD||$1,220|
|Chevrolet Malibu LT||$1,214|
|Toyota Corolla LE||$1,252|
|Honda Odyssey Touring||$1,275|
|Ford Fusion Sport 4-Dr Sedan||$1,285|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$1,298|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$1,336|
|Ford Focus S 4-Dr Sedan||$1,339|
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Data variables include 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, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in specific location which can revise prices noticeably.
Based upon the table data, you can figure that cars like the Honda CR-V, Chevrolet Equinox, Chevrolet Impala, and Toyota Tacoma are most likely to be the most budget-friendly vehicles to insure for drivers in Saint Andrews.
The chart below demonstrates how choosing different deductibles can raise or lower premium costs when trying to find cheap insurance in Saint Andrews. The data assumes a single male driver, full coverage, and no discounts are factored in.
A 40-year-old driver could cut expenses by $390 a year by changing from a $100 deductible to a $500 deductible, or save $588 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut as much as $1,292 or more just by choosing larger deductibles.
When using a larger deductible, it's a good idea to have spare funds to be able to pay the extra out-of-pocket expense associated with higher deductibles.