Wouldn't life be so easy if we could wave our magic wand and tell you the one best car insurance company that has the best rates for hybrid vehicles? That is not the case, however, as there are a ton of unknown elements like the crash test ratings of your vehicle, how old you are, what your desired deductibles are, and tickets or driving violations, that all go into determining the rate you pay. In this article, we will teach you about these types of topics and will hopefully give you a solid foundation to find cheaper car insurance for hybrids.

The type of vehicle you are seeking coverage for is one of the largest factors when quoting low-cost auto insurance for hybrid vehicles. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost significantly more to insure than safer models.

The information below shows auto insurance rates for some of the more affordable vehicles to insure.

Cheapest Vehicles to Insure for Hybrid Vehicles in South Carolina
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $839
Honda Accord LX 4-Dr Sedan $927
Ford Escape XLT 2WD $934
Ford Focus S 4-Dr Sedan $954
Honda Odyssey EX W/Rear Entertainment $961
Ford Edge SEL AWD $954
Chevrolet Impala LT $972
Jeep Wrangler Unlimited Sport 2WD 4-Dr $982
Toyota Prius $999
Nissan Rogue S 2WD $1,041
Chevrolet Equinox LTZ 2WD $1,043
Chevrolet Silverado LS Crew Cab 4WD $1,052
Jeep Grand Cherokee Limited 4WD $1,043
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in garaging location in South Carolina which can revise premiums considerably.

By looking at the data, we can presume that cars like the Honda CR-V, Honda Accord, and Ford Escape are going to be the cheaper vehicles to insure for hybrids.

One of the more important criteria that determine the price you pay for insurance is where you keep your car. Areas with a lot of weather claims or more people like North Charleston, Goose Creek, and Summerville will most likely pay more, whereas areas that tend to be more rural benefit from lower rates.

The table below sorts the priciest cities in South Carolina for hybrid vehicles to purchase auto insurance in.

South Carolina cities ranked by car insurance cost
Rank City Premium Per Year
1 North Charleston $1,301
2 Florence $1,298
3 Goose Creek $1,258
4 Charleston $1,247
5 Summerville $1,240
6 Mount Pleasant $1,225
7 Sumter $1,215
8 Columbia $1,213
9 Socastee $1,199
10 Myrtle Beach $1,174
11 Saint Andrews $1,149
12 Greenwood $1,143
13 Hilton Head Island $1,139
14 Rock Hill $1,135
15 Aiken $1,130
16 Anderson $1,116
17 North Augusta $1,106
18 Greenville $1,100
19 Spartanburg $1,094
20 Wade Hampton $1,090
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Price information shown is estimated as the garaging address in South Carolina can raise or lower price quotes significantly.

Types of discounts on South Carolina car insurance rates

Car insurance companies that offer cheap quotes for hybrid vehicles may have policy discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A few of the larger companies and a selection of discounts can be read below.

The example below compares insurance premiums with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, marriage, multiple policy, homeowner, safe-driver, and multiple vehicle discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for hybrid vehicles is 28% or $570.

Impact of careless driving on car insurance rates

In a perfect world, the ideal way to maintain the cheapest car insurance rates in South Carolina for hybrids is to be an attentive driver and not get tickets or have accidents. The example below demonstrates how traffic citations and accidents impact insurance prices for different age groups. The rate quotes are based on a single female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

The data above shows the average cost of an auto insurance policy in South Carolina per year with no violations or accidents is $2,060. Receive one speeding ticket and the average cost jumps to $2,333, an increase of $272 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for hybrid vehicles in South Carolina goes up to an average of $3,110. That's an increase of $1,050, or $87 per month, just for being a little careless behind the wheel!

Ending up with the highest-rated auto insurance company is hard considering how many choices drivers have in South Carolina. The company ratings in the lists below may help you choose which auto insurance companies you want to consider comparing prices from. These ratings are only comprised of major nationwide insurance companies, so smaller companies that only insure vehicles in South Carolina are not taken into consideration for this list.

Best Ten Car Insurance Companies for Hybrid Vehicles in South Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies