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

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Cheapest insurance companies in South Carolina
Rank Company Cost Per Year
1 The Hartford $768
2 USAA $1,015
3 State Auto $1,138
4 Auto-Owners $1,153
5 SC Farm Bureau Mutual $1,286
6 Southern Farm Bureau $1,286
7 National Grange Mutual $1,361
8 State Farm $1,380
9 Travelers $1,384
10 Allstate $1,621
11 Progressive $1,643
12 Encompass $1,691
13 Nationwide $1,760
14 Safe Auto $1,927
15 GEICO $2,061
16 Bristol West $2,468
17 Liberty Mutual $2,513
18 Safeco $2,744
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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.

Car insurance prices in South Carolina
Rank City Average Per Year
1 Florence $1,311
2 North Charleston $1,250
3 Goose Creek $1,246
4 Summerville $1,240
5 Socastee $1,235
6 Charleston $1,235
7 Columbia $1,225
8 Myrtle Beach $1,222
9 Sumter $1,215
10 Saint Andrews $1,184
11 Mount Pleasant $1,177
12 Hilton Head Island $1,173
13 Greenville $1,133
14 North Augusta $1,128
15 Greenwood $1,110
16 Rock Hill $1,102
17 Aiken $1,086
18 Anderson $1,083
19 Spartanburg $1,083
20 Wade Hampton $1,080
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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.

Cheapest Vehicles to Insure for Teenage Females in South Carolina
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
Toyota Prius $3,235
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
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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

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Car Insurance Companies in South Carolina Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

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.

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.