Finding reliable, affordable car insurance is not easy, and finding out which company offers the best auto insurance rates for teenage females in South Carolina will involve even more shopping around. Insurance premiums will more than likely be quite a bit more expensive than the average policy in South Carolina, with the extra cost attributed to the additional risk that goes along with offering coverage for teen girls, but economical insurance may be available if you thoroughly shop around.
Each company uses a slightly different approach for filing rates in each state, so let's begin by examining the auto insurance companies with the overall cheapest rates in South Carolina.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,286|
|7||National Grange Mutual||$1,361|
|View More Rates Go|
The Hartford has some of the cheapest car insurance rates in South Carolina at around $768 each year. This is $841 less than the average premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also make the cut as some of the most economical South Carolina car insurance companies.
As the rates illustrate above, if you currently have coverage with Auto-Owners and switched to USAA, you may see a yearly savings of around $138. Policyholders with SC Farm Bureau Mutual might save as much as $271 a year, and Southern Farm Bureau customers might cut rates by $271 a year.
To see if your current coverage is too expensive, click here or visit several of the following companies.
It's important to note that these prices are averages for all insureds and vehicles and and are not figured with a price increase for teenage females. So the auto insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own specific driver and vehicle information.
For teen girls, one of the largest factors that are looked at to help calculate the price you pay for insurance is your zip code. Regions with larger populations or more claims like Florence, Goose Creek, and Socastee tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The table below ranks the most expensive places in South Carolina for teenage females to buy auto insurance in.
|Rank||City||Average Per Year|
|12||Hilton Head Island||$1,173|
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Premium costs are estimated as the specific garaging location can affect coverage rates considerably.
The vehicle you are insuring is one of the biggest factors that determines whether or not you can buy cheaper coverage for teenage females. Vehicles with lower performance, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models.
The information below features coverage prices for a number of the most affordable vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$2,987|
|Hyundai Elantra GLS Touring Station Wagon||$2,994|
|Ford Escape XLT 2WD||$2,987|
|Honda CR-V EX-L 4WD||$3,016|
|Ford F-150 XL Regular Cab 2WD||$3,139|
|Ford Edge SE 2WD||$3,326|
|Ford Explorer XLT AWD||$3,355|
|Ford Focus SE 4-Dr Sedan||$3,516|
|Honda Odyssey EX W/Rear Entertainment||$3,524|
|Chevrolet Impala LS||$3,516|
|Chevrolet Malibu Hybrid||$3,545|
|Toyota RAV4 Sport 4WD||$3,554|
|Toyota Camry LE||$3,545|
|Chevrolet Equinox LS AWD||$3,550|
|Toyota Tacoma Double Cab 4WD||$3,545|
|Dodge Grand Caravan SXT||$3,574|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$3,579|
|Toyota Corolla XLE||$3,733|
|Nissan Altima 3.5 SR 4-Dr Sedan||$3,761|
|Find Cheaper Rates Go|
Above prices assume single female 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. Estimates do not factor in specific South Carolina garaging location which can increase or decrease rates substantially.
Looking at the rates, you can figure that vehicles like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V will definitely be a few of the less-costly vehicles to insure for teen girls. Car insurance rates will tend to be higher just because there is more exposure for teenage females, but in general those models will probably have the lowest insurance prices compared to other vehicles.
Ending up with a good quality insurance provider can be a challenge considering how many choices you have in South Carolina. The company rank data in the lists below may help you decide which auto insurers you want to consider purchasing coverage from. The rankings below only include the largest companies in America, so companies that only write business in South Carolina or surrounding areas are not taken into consideration for these rankings.
Top 10 Major Car Insurance Companies in South Carolina Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Car Insurance Companies in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
The illustration below highlights how deductible selection can impact insurance costs when searching for cheap insurance for teenage females in South Carolina. The price estimates are based on a married female driver, full coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could pocket $322 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could roll back prices $808 or even more by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is a good idea to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
How to find economical car insurance for teenage females in South Carolina
Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help drivers find cheap coverage.
- Do not pay for full coverage on older vehicles
- Buy vehicles with good safety ratings
- Claim-free drivers earn discounts
- Good credit scores may lower your rates
- Save money by bundling your home and auto policies
- Raise deductibles to save money
- Comparison shop at least every other year
That final tip is highly significant, as was emphasized in the prior information. Insurance prices can change considerably in a year, so don't hesitate to buy a different policy if a better deal can be had. Having a favorite company is great, but is isn't recommended if that stubbornness costs you a lot of money. In just a few minutes you could shop around to find cheaper insurance for teenage females.