One of the many things that are looked at to determine car insurance rates is your zip code in Hilton Head Island. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas with less people or fewer weather incidents receive better rates.
The illustration below sorts the most costly cities in South Carolina to purchase a policy in. Hilton Head Island is listed at #12 costing $1,173 for the average policy, which is approximately $98 per month.
|Rank||City||Average Per Year|
|12||Hilton Head Island||$1,173|
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Table data uses estimated as specific Hilton Head Island garaging address can raise or lower coverage rates substantially.
Considering where Hilton Head Island ranks compared to other South Carolina cities, finding dependable, reasonably-priced car insurance is tough enough, and determining which insurers offer the most affordable car insurance rates in Hilton Head Island will involve even more shopping around. Each auto insurance company has their own guidelines to determine rates, so let's begin by examining the car insurance companies with the overall cheapest rates in Hilton Head Island.
It's important to know that South Carolina car insurance rates are impacted by many factors which can substantially decrease or increase your annual premium. Events such as a birthday, buying a different vehicle, or getting a few speeding tickets may generate price changes that can make some companies way too expensive in comparison to the competition.
Best Cheap Insurance Rates in Hilton Head Island
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,260|
|6||Southern Farm Bureau||$1,298|
|8||National Grange Mutual||$1,375|
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The Hartford normally has some of the cheapest car insurance rates in Hilton Head Island at around $745 each year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also make the list of some of the most economical Hilton Head Island, SC insurance companies.
As depicted above, if you are a policyholder with Auto-Owners and switched to USAA, you could earn an annual premium reduction of in the vicinity of $104. Customers with SC Farm Bureau Mutual could save as much as $245 a year, and Southern Farm Bureau customers might see rate reductions of $283 a year.
To compare your rates to other South Carolina insurance companies, click here to start your free quote or quote prices from the following companies.
It's important to note that these estimates are averages for all drivers and vehicles and and are not figured with a specific vehicle garaging location in Hilton Head Island. So the insurer that is best for you may not even be in the top 18 companies in the list above. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The vehicle model you are buying coverage for is probably the largest consideration when looking for the most affordable car insurance in Hilton Head Island. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost much more to insure than more modest models.
The next table showcases insurance prices for a number of the cheaper automobiles to buy coverage for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Toyota Tacoma 4WD||$1,067|
|Toyota Camry LE||$1,124|
|Chevrolet Impala LT||$1,129|
|Dodge Grand Caravan SXT||$1,147|
|Honda Accord LX-P 4-Dr Sedan||$1,166|
|Ford Escape XLS 4WD||$1,176|
|Honda CR-V LX 4WD||$1,166|
|Ford F-150 XL Super Cab 2WD||$1,197|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,206|
|Ford Fusion SEL 4-Dr Sedan||$1,211|
|Ford Explorer XLT 2WD||$1,222|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,226|
|Ford Edge Limited 2WD||$1,264|
|Honda Odyssey LX||$1,279|
|GMC Sierra Denali Crew Cab 4WD||$1,284|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,288|
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in zip code location which can alter coverage prices significantly.
Based upon these rates, you can assume that vehicles like the Toyota Prius, Toyota Tacoma, Toyota Camry, Chevrolet Impala, and Dodge Grand Caravan are a few of the cheaper vehicles to insure for drivers in Hilton Head Island.
Should you buy full coverage?
Finding the cheapest car insurance is the goal of the majority of people, and one of the best ways to buy cheaper insurance in Hilton Head Island is to not buy full coverage. The example below shows the difference between auto insurance rates with full physical damage coverage and with liability coverage only. The information is based on no violations or claims, $100 deductibles, marital status is single, and no discounts are factored in.
If we average all the age groups together, physical damage insurance costs an extra $1,957 per year over and above liability coverage. Lot's of drivers question if it's worth it to buy full coverage. There is no definitive guideline for dropping physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's pretend your vehicle's replacement value is $6,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $5,500 after you pay the deductible. If premium cost is more than $550 a year for physical damage coverage, then you may need to consider dropping full coverage.
How to get discounts on Hilton Head Island insurance
Insurers that offer coverage in Hilton Head Island may have special discounts that can lower rates by 40% or more if you meet the requirements. Popular car insurance companies and their offered discounts are included below.
- American Family offers premium reductions for Steer into Savings, accident-free, multi-vehicle, TimeAway discount, and air bags.
- Farm Bureau may include discounts for driver training, safe driver, multi-policy, 55 and retired, youthful driver, good student, and renewal discount.
- State Farm offers discounts for Steer Clear safe driver discount, multiple autos, driver's education, accident-free, multiple policy, and safe vehicle.
- Travelers discounts include good student, hybrid/electric vehicle, multi-car, new car, and driver training.
- The Hartford includes discounts for anti-theft, air bag, driver training, good student, vehicle fuel type, defensive driver, and bundle.
- GEICO offers discounts including military active duty, federal employee, defensive driver, five-year accident-free, and membership and employees.
- Progressive has savings for homeowner, online quote discount, continuous coverage, good student, multi-vehicle, and online signing.
The illustration below shows the difference between insurance costs with and without discounts. The premium estimates are based on a female driver, no accidents or driving violations, South Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, accident-free, passive restraint, defensive driving course, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on car insurance in Hilton Head Island is 28% or $512.
Responsible drivers pay cheaper car insurance rates
A great way to maintain the best car insurance premiums in South Carolina for drivers in Hilton Head Island is to drive safe and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and accident claims can drive up insurance costs for each different age group. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with no accidents or violations is $1,435. Add in one speeding ticket and the average cost hikes up to $1,618, an increase of $184 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance in Hilton Head Island increases to an average of $2,126. That's an increase of $691, or $58 per month, just for not keeping your driving record clean!
How to find low-cost insurance in Hilton Head Island
The list below shows a few money-saving solutions that can help you get more affordable coverage.
- Save money by insuring your home and auto with the same company
- Full coverage is expensive so only insure older vehicles for liability only
- Drive attentively and avoid accidents
- Frequent claims will increase rates
- Vehicles with good safety ratings are usually cheaper to insure
- Do not get tickets or violations
- Shop around for lower rates once a year
The final tip is very crucial, as we noted in the article above. Prices go up and down frequently, so don't be tentative to change insurance companies if a more affordable price is available.
Having brand loyalty is commendable, but it isn't a good idea if that loyalty results in overpaying hundreds of dollars a year. It takes less than five minutes to compare prices to find cheaper insurance in Hilton Head Island.