For youthful drivers, one of the largest factors that are looked at to help calculate the price you pay for insurance is the neighborhood you call home. Areas with high crime rates or more dense population like Florence, North Charleston, and Charleston will most likely pay more, whereas areas with less congestion benefit from lower rates.

The following table sorts the most expensive cities in South Carolina for young drivers to buy car insurance in.

How much does car insurance cost in South Carolina?
Rank City Annual Premium
1 Florence $1,311
2 Summerville $1,290
3 North Charleston $1,288
4 Goose Creek $1,284
5 Charleston $1,273
6 Columbia $1,225
7 Socastee $1,223
8 Sumter $1,202
9 Mount Pleasant $1,189
10 Myrtle Beach $1,186
11 Saint Andrews $1,184
12 Greenwood $1,143
13 North Augusta $1,139
14 Hilton Head Island $1,139
15 Rock Hill $1,135
16 Greenville $1,133
17 Spartanburg $1,127
18 Aiken $1,119
19 Anderson $1,116
20 Taylors $1,085
21 Easley $1,066
22 Wade Hampton $1,058
23 Simpsonville $1,050
24 Greer $1,045
25 Mauldin $1,040
Find Cheaper Rates Go

Premium costs are estimated as the garaging address in South Carolina can revise rates greatly.

The vehicle model needing coverage is one of the main factors when trying to find the best cheap car insurance for young drivers. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer models. The next list showcases auto insurance costs for a handful of the most cost-effective vehicles to insure in South Carolina.

Cheapest Vehicles to Insure for Young Drivers in South Carolina
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,310
Honda Accord LX-P 4-Dr Sedan $3,317
Hyundai Elantra SE Touring Station Wagon $3,561
Ford Escape Limited 4WD $3,566
Toyota Prius $3,596
Ford F-150 XL Crew Cab 2WD $3,714
Volkswagen Jetta SE 2.5 Station Wagon $3,812
Chevrolet Impala LT $3,931
Toyota RAV4 Limited 4WD $3,937
Ford Fusion S 4-Dr Sedan $3,931
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,966
Dodge Grand Caravan Crew $3,972
Ford Explorer Eddie Bauer 4WD $3,966
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $4,106
Honda Civic LX 4-Dr Sedan $4,113
Ford Edge Sport AWD $4,147
Toyota Camry SE $4,155
Toyota Corolla LE $4,147
Chevrolet Equinox LTZ AWD $4,182
Chevrolet Malibu LTZ $4,189
Start Your Quote Go

Table data represents single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in garaging location in South Carolina which can impact auto insurance rates noticeably.

Looking at the numbers, you can expect cars like the Honda CR-V, Honda Accord, Hyundai Elantra, Ford Escape, and Toyota Prius should be some of the cheaper vehicles to insure for youthful drivers. The price for an auto insurance policy will be more costly because there is more liability risk for young drivers, but generally speaking those models will probably have the lowest insurance rates compared to all other vehicles.

The illustration below illustrates how your deductible choice can affect insurance costs when trying to find cheap insurance for young drivers in South Carolina. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

A 30-year-old driver could cut expenses by $310 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $466 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could reduce their rates as much as $688 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it will be necessary to have enough spare savings to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Get discounts on South Carolina auto insurance

Insurance companies that sell policies for young drivers could also offer rate discounts that could potentially reduce rates by 40% or more if you meet certain criteria. Popular auto insurance companies and some of the premium reductions they offer can be found below.

The illustration below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no accidents or driving violations, South Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, paperless filing, vehicle safety, paid-in-full, anti-theft, and good student discounts applied. When drivers take advantage of discounts, theamount saved on auto insurance for young drivers is 28% or $592.

How accidents and tickets impact rates in South Carolina

In a perfect world, the best way to obtain cheap auto insurance rates in South Carolina for youthful drivers is to be a careful driver and avoid accidents and traffic citations. The chart below highlights how speeding tickets and accidents can impact auto insurance rates for different age groups. The information is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of car insurance per year with no accidents or violations is $1,675. Add in two speeding tickets and the average cost rises to $2,244, an increase of $569 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for young drivers in South Carolina increases to an average of $4,371. That's an increase of $2,696, or $225 per month, just for a couple of infractions!

How to find low-cost auto insurance for young drivers

The list below details some thrifty suggestions that can help South Carolina drivers quote cheaper auto insurance.

The last tip in the list is especially important, as was pointed out in this piece. Coverage prices can change in a short period of time, so drivers shouldn't be reluctant 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's not recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. Take a few minutes and compare prices and find cheaper insurance for young drivers.