The vehicle on the policy is a significant factor when comparison shopping for the most economical auto insurance for 19 year olds. Vehicles with higher performance, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models. The list below showcases insurance premiums for a handful of the most affordable vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$2,405|
|Ford Escape Limited 2WD||$2,434|
|Ford F-150 XLT Regular Cab 4WD||$2,687|
|Toyota Tacoma 4WD||$2,692|
|Ford Explorer XLT 2WD||$2,687|
|Ford Edge SEL 2WD||$2,828|
|Honda Odyssey EX||$2,836|
|Toyota RAV4 Limited 2WD||$2,857|
|Chevrolet Equinox LS AWD||$2,866|
|Chevrolet Silverado LS Regular Cab 2WD||$2,877|
|Dodge Grand Caravan SXT||$2,885|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$2,940|
|Chevrolet Impala LTZ||$3,026|
|Hyundai Elantra GLS 4-Dr Sedan||$3,036|
|Chevrolet Malibu LTZ||$3,055|
|Jeep Grand Cherokee SRT-8 4WD||$3,062|
|Volkswagen Jetta SE 4-Dr Sedan||$3,055|
|Toyota Corolla XRS||$3,061|
|GMC Sierra SL Crew Cab 2WD||$3,055|
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Data variables include single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific South Carolina location which can change coverage prices considerably.
Based upon the rates shown, we can assume that makes and models like the Honda CR-V, Ford Escape, Toyota Prius, Ford F-150, and Toyota Tacoma are most likely to be the more affordable vehicles to insure for teenage drivers. Prices will tend to be more expensive just due to the fact that there is more liability exposure for 19 year olds, but overall those specific models will have the lowest insurance rates compared to all other vehicles.
For teenage drivers, one of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is the neighborhood you call home in South Carolina. More populated areas like North Charleston, Goose Creek, and Socastee are more likely to have higher rates, whereas less populated areas profit from lower rates.
The next table shows the priciest cities in South Carolina for 19 year olds to purchase a policy in.
|11||Hilton Head Island||$1,162|
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Premium costs are comparative as specific South Carolina garaging address can modify coverage rates considerably.
Establishing which company quotes the cheapest car insurance rates for 19 year olds in South Carolina may require a bit more effort than just getting one or two price quotes. Each insurer uses their own calculation to set policy rates, so we'll go over the most budget-friendly car insurance companies in South Carolina.
It's important that readers know that South Carolina car insurance rates are impacted by many things which can substantially change the policy price. Simply having another birthday, having a teen driver, or having an accident may prompt premium changes that can cause some rates to be cheaper in comparison to the competition.
Best Insurance Companies for Teens
The Hartford quotes some of the best car insurance rates in South Carolina at around $745 each year. This is $864 less than the average premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also qualify as some of the more affordable South Carolina insurance companies.
As shown in the table above, if you are insured with USAA and switched to The Hartford, you could earn an annual savings of approximately $250. Insureds with State Auto may save as much as $349 a year, and Auto-Owners insureds might cut rates by $374 a year.
Understand that those prices are averages across all drivers and vehicles in South Carolina and do not take into consideration a rate surcharge for 19 year olds. So the insurer that fits you best may not even be in the top 18 companies shown above. That points out the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.
The illustration below illustrates how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for 19 year olds in South Carolina. The rate quotes are based on a married female driver, comp and collision included, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their policy premium by $312 a year by increasing from a $100 deductible up to a $500 deductible, or save $470 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old category, could shave as much as $780 each year just by using higher deductibles. When choosing a higher deductible, it will be required to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Types of discounts on South Carolina insurance
Insurance companies that provide coverage for 19 year olds could also offer premium discounts that could potentially reduce rates by as much as 35% if you meet specific eligibility requirements. A few of the larger companies and a selection of discounts are outlined below.
- Travelers has discounts for early quote, save driver, multi-car, continuous insurance, hybrid/electric vehicle, good student, and IntelliDrive.
- 21st Century includes discounts for good student, teen driver, driver training, theft prevention, homeowners, student driver, and defensive driver.
- State Farm may include discounts for driver's education, Drive Safe & Save, multiple autos, accident-free, and good student.
- GEICO may have discounts that include good student, anti-theft, air bags, defensive driver, and anti-lock brakes.
- SAFECO has savings for bundle discounts, multi-car, anti-theft, accident prevention training, teen safety rewards, and drive less.
- AAA offers discounts including multi-car, good student, AAA membership discount, multi-policy, education and occupation, and good driver.
The illustration below illustrates the comparison of car insurance costs with and without discounts applied. The price estimates are based on a female driver, no accidents, no driving violations, 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 passive restraint, homeowner, accident-free, vehicle safety, marriage, and multiple vehicle discounts applied. With discounts applied, theaverage amount saved on car insurance for 19 year olds is 28% or $451.
Finding a highly-rated car insurance company is difficult considering how many different companies sell coverage in South Carolina. The information below can help you analyze which car insurance companies you want to consider comparing prices from. The rankings below are only comprised of companies that write coverage in many states, so companies that may only write in South Carolina will not be included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies