The words "bargain" and "insurance" probably shouldn't be used together, especially when you are looking for the best coverage prices for inexperienced drivers. To help control this cost, let's introduce you to a few of the factors the can have a considerable influence on auto insurance rates, and find out if you can lower the price of your next policy.

The vehicle you are seeking coverage for is one of the largest considerations in finding cheap insurance for inexperienced drivers. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost more to insure than safer models. The next table outlines coverage prices for a handful of the more affordable vehicles to insure.

Cheapest Vehicles to Insure for Inexperienced Drivers in South Carolina
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $821
Honda CR-V EX 2WD $829
Ford Escape XLT 4WD $839
Volkswagen Jetta S 2.5 Station Wagon $892
Chevrolet Impala LS $954
Honda Odyssey EX $959
Jeep Wrangler Sport 4WD 2-Dr $970
Chevrolet Equinox LS 2WD $972
Dodge Grand Caravan Crew $990
Ford F-150 Lariat Super Cab 2WD $1,000
Toyota Prius $999
Toyota Corolla XLE $1,025
Toyota Camry SE $1,030
Ford Edge Sport 2WD $1,025
Hyundai Sonata GLS 4-Dr Sedan $1,041
Kia Optima LX $1,051
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,043
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can influence auto insurance rates considerably.

Based on these rates, you can expect models like the Honda Accord, Honda CR-V, Ford Escape, Volkswagen Jetta, and Chevrolet Impala are most likely going to be the most affordable vehicles to insure for new drivers.

For new drivers, one of the big components that are looked at to determine the price you pay for insurance is where you choose to live in South Carolina. Cities with more crime and/or more people like Florence, North Charleston, and Charleston tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The following table rates the most expensive places in South Carolina for inexperienced drivers to purchase auto insurance in.

Where does South Carolina rank for car insurance cost?
Rank City Annual Rate
1 Florence $1,298
2 Summerville $1,278
3 North Charleston $1,262
4 Goose Creek $1,258
5 Charleston $1,247
6 Sumter $1,239
7 Columbia $1,225
8 Socastee $1,223
9 Myrtle Beach $1,210
10 Mount Pleasant $1,189
11 Saint Andrews $1,184
12 Greenville $1,144
13 Greenwood $1,132
14 North Augusta $1,128
15 Hilton Head Island $1,127
16 Anderson $1,116
17 Rock Hill $1,102
18 Spartanburg $1,094
19 Aiken $1,086
20 Wade Hampton $1,080
21 Greer $1,077
22 Taylors $1,053
23 Easley $1,035
24 Mauldin $1,029
25 Simpsonville $1,008
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Premium amounts are approximated as the specific zip code location can impact coverage prices considerably.

Discount South Carolina auto insurance rates

Car insurance companies that provide policies for inexperienced drivers may also provide special discounts that may potentially lower prices by as much as 30% if you can meet the requirements. A list of companies and some of their more popular discounts are included below.

The illustration below compares insurance premiums with and without discounts applied to the premium. The data is based on a female driver, a clean driving record, no claims, South Carolina state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, accident-free, anti-theft, safe-driver, passive restraint, and claim-free discounts applied. In this example, theaverage yearly reduction on car insurance for inexperienced drivers is 28% or $381.

Impact of careless driving on car insurance rates

The recommended way to earn affordable car insurance rates for new drivers is to drive attentively and not receive tickets or have accidents. The illustration below shows how traffic citations and accident claims raise premium costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of a car insurance policy in South Carolina per year with no accidents and a clean driving record is $1,482. Factor in two speeding tickets and the average cost swells to $2,097, an increase of $616 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of car insurance for inexperienced drivers in South Carolina increases to an average of $4,651. That's an increase of $3,169, or $264 per month, just for not keeping your driving record clean!

Buying coverage from the top car insurance provider can be rather challenging considering how many companies sell coverage in South Carolina. The company rank data displayed below can help you pick which insurers to look at when trying to find the cheapest insurance for inexperienced drivers.

The ratings below are for the largest auto insurers in America, so smaller companies that only insure vehicles in South Carolina are not factored into this list. If you wish to compare prices and find the cheapest rates for inexperienced drivers, click this link.

Top 10 Major Auto Insurance Companies Overall in South Carolina

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

Top 10 Major Auto Insurance Companies in South Carolina Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. The General
  8. 21st Century
  9. Esurance
  10. Titan Insurance