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.

Cheapest Vehicles to Insure for 19 Year Olds in South Carolina
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $2,405
Ford Escape Limited 2WD $2,434
Toyota Prius $2,632
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.

How much does auto insurance cost in South Carolina?
Rank City Annual Premium
1 North Charleston $1,288
2 Florence $1,272
3 Goose Creek $1,258
4 Summerville $1,240
5 Socastee $1,235
6 Charleston $1,235
7 Sumter $1,215
8 Columbia $1,213
9 Myrtle Beach $1,210
10 Mount Pleasant $1,189
11 Hilton Head Island $1,162
12 Saint Andrews $1,149
13 Greenville $1,133
14 North Augusta $1,128
15 Anderson $1,116
16 Spartanburg $1,116
17 Rock Hill $1,102
18 Greenwood $1,099
19 Aiken $1,097
20 Wade Hampton $1,090
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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

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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.

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.

Best 15 Car Insurance Companies for 19 Year Olds in South Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies