Deciding which company offers the cheapest auto insurance rates in Aiken will require a tad more effort in order to find the lowest price quote. Every auto insurer uses a slightly different approach to determine premium rates, so let's examine the most competitive auto insurance companies in South Carolina.
It's a good idea to know that Aiken auto insurance rates are impacted by many things that can increase the policy price. Simply having another birthday, buying another vehicle, or getting a couple of tickets may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.
The Hartford has some of the lowest car insurance rates in Aiken at around $768 each year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual are also some of the cheapest Aiken, SC car insurance companies.
In the above example, if you are insured with Auto-Owners and switched to The Hartford, you could earn savings of about $351. Drivers with SC Farm Bureau Mutual may save as much as $518 a year, and Southern Farm Bureau insureds might realize rate reductions of up to $518 a year.
If you want to find out if you're overpaying, click here to get a free quote or quote rates from the companies below.
These premium estimates are averaged across all insureds and vehicles and do not factor in an exact location in Aiken. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That is why you need to compare prices as often as possible using your own driver information and specific vehicle type.
One of the more important criteria that help determine car insurance rates is where you live in Aiken. Regions with larger populations or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The illustration below ranks the most expensive cities in South Carolina in which to buy car insurance. Aiken ranks #19 with the yearly price of $1,086 for the average insurance policy, which is about $91 monthly.
|12||Hilton Head Island||$1,139|
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Price information shown is approximated as the specific garaging location can change insurance rates noticeably.
The type of vehicle on the policy is a large factor in finding low-cost coverage in Aiken. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of liability claims will cost substantially less to insure than high performance models.
The table below ranks auto insurance costs for a selection of the most economical vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$889|
|Honda CR-V EX 2WD||$898|
|Honda Odyssey LX||$979|
|Chevrolet Malibu LS||$1,054|
|Toyota RAV4 Limited 2WD||$1,060|
|Ford Explorer Limited 2WD||$1,076|
|Hyundai Elantra GLS Touring Station Wagon||$1,091|
|Ford Escape Limited 4WD||$1,108|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,129|
|Volkswagen Jetta SE 4-Dr Sedan||$1,137|
|Ford F-250 XLT Super Cab 2WD||$1,206|
|Chevrolet Silverado LTZ Crew Cab 2WD||$1,216|
|GMC Sierra SLE Regular Cab 2WD||$1,211|
|Toyota Camry LE||$1,219|
|Dodge Grand Caravan SXT||$1,234|
|Honda Civic EX 4-Dr Sedan||$1,249|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,251|
|Ford Edge Sport 2WD||$1,273|
|Chevrolet Impala LT||$1,292|
|Chevrolet Equinox LT 2WD||$1,301|
|Jeep Grand Cherokee Limited 4WD||$1,296|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,318|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in your specific Aiken, SC location which can increase or decrease coverage rates noticeably.
Looking at the data, we can expect makes and models like the Honda Accord, Honda CR-V, Honda Odyssey, and Chevrolet Malibu are likely to be some of the cheaper vehicles to insure for drivers in Aiken.
Get discounts on Aiken auto insurance
Insurance companies that provide coverage in Aiken may also give you premium discounts that could potentially reduce rates by 30% or more if you meet certain criteria. Companies and some of the discounts are included below.
- Farm Bureau may include discounts for safe driver, good student, multi-policy, multi-vehicle, and 55 and retired.
- State Farm policyholders can earn discounts including accident-free, driver's education, passive restraint, good driver, anti-theft, multiple autos, and multiple policy.
- Progressive offers discounts including online quote discount, homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, and good student.
- Allstate offers premium reductions for teenSMART discount, new car, passive restraint, multi-policy, defensive driver, farm vehicle, and premier discount.
- Nationwide may offer discounts for business or organization, good student, defensive driving, easy pay, and Farm Bureau membership.
- MetLife discounts include defensive driver, good student, claim-free, accident-free, multi-policy, and good driver.
The diagram below visualizes the comparison of insurance prices with and without some available policy discounts. The prices are based on a female driver, no accidents, no driving violations, South Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, multiple vehicle, claim-free, safe-driver, accident-free, and multiple policy discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance in Aiken is 28% or $517.
The illustration below demonstrates how choosing different deductibles can raise or lower insurance costs when trying to find cheap insurance in Aiken. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $236 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $354 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save as much as $580 or even more just by using higher deductibles.
If you do raise deductibles, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Ideas for buying economical car insurance in Aiken
Below you'll find a few money-saving solutions that can help Aiken drivers get lower-cost coverage.
- Pay less by remaining claim-free
- Higher credit scores can equal lower rates
- Keep your driving record clean
- Drive safe vehicles
- At-fault accidents can raise rates significantly
- Shop around and save
The last suggestion is incredibly vital, as was pointed out in this piece. Car insurance prices vary greatly, so don't be afraid to switch carriers if a lower price can be found. We understand brand loyalty, but it's not a great idea if your bullheadedness ends up costing you thousands of dollars over the life of your policy. Take a few minutes and compare prices and find cheaper auto insurance in Aiken.