One of the many factors that determine the cost of insurance is where you call home in Mauldin. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas more rural areas have the gratification of cheaper auto insurance rates.
The information below ranks the priciest cities in South Carolina to purchase car insurance in. Mauldin is ranked at #20 having an annual price of $1,071 for coverage, which is around $89 each month.
|13||Hilton Head Island||$1,127|
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Prices are comparative as the specific geographic location can modify rates considerably.
Since we know where Mauldin ranks compared to other South Carolina cities, establishing which company quotes the most affordable car insurance rates in Mauldin requires a little more work than just quoting one company's rates. Every auto insurer uses different criteria for setting prices, so we'll take a look at the car insurance companies with the most affordable rates in Mauldin.
Compare Cheap Insurance Quotes in Mauldin
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,335|
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The Hartford quotes some of the most affordable car insurance rates in Mauldin at around $768 a year. This is $841 less than the average rate paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are also some of the cheaper Mauldin, SC auto insurance companies.
In the rate table above, if you buy coverage from Auto-Owners and switched to The Hartford, you might realize savings of roughly $339. Drivers with State Auto could save as much as $370 a year, and SC Farm Bureau Mutual policyholders might reduce rates by $518 a year.
To find the cheapest coverage for you, click here to get quotes or click through to the companies below.
Understand that those premiums are averages across all drivers and vehicles in South Carolina and do not factor in an exact vehicle garaging location in Mauldin. So the car insurance company that fits your needs best may not even be in the top 18 companies shown above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.
The type of vehicle that needs insurance is one of the primary factors that determines whether or not you find the cheapest insurance in Mauldin. Vehicles with higher performance, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than safer models. The next list ranks coverage costs for a selection of the most budget-friendly vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$890|
|Honda CR-V LX 4WD||$1,005|
|Ford Edge SEL 2WD||$1,035|
|Chevrolet Silverado LS Extended Cab 4WD||$1,054|
|Toyota Tacoma Double Cab 4WD||$1,073|
|Ford Explorer Limited 2WD||$1,078|
|Dodge Grand Caravan SE||$1,088|
|Ford Focus SEL 4-Dr Sedan||$1,090|
|Ford Fusion SEL 4-Dr Sedan||$1,128|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,136|
|Jeep Grand Cherokee SRT-8 4WD||$1,128|
|Chevrolet Equinox LTZ AWD||$1,135|
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Prices above based on single male driver age 30, 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. Price information does not factor in garaging location in Mauldin, SC which can lower or raise price quotes considerably.
Looking at the data, you can assume that cars like the Ford Escape, Honda CR-V, Ford Edge, Chevrolet Silverado, and Toyota Tacoma are going to be some of the cheaper vehicles to insure for drivers in Mauldin.
Get discount Mauldin insurance
Insurance companies that offer cheap quotes in Mauldin may provide premium discounts that can reduce rates by 35% or more if you meet specific criteria. A list of car insurance companies and some of the premium reductions they offer are outlined below.
- GEICO discounts include military active duty, anti-lock brakes, seat belt use, federal employee, and daytime running lights.
- Travelers policyholders can earn discounts including IntelliDrive, good student, hybrid/electric vehicle, continuous insurance, multi-policy, home ownership, and save driver.
- Nationwide may have discounts that include accident-free, family plan, defensive driving, anti-theft, and Farm Bureau membership.
- Farmers Insurance offers discounts including multi-car, youthful driver, mature driver, bundle discounts, and early shopping.
- Esurance offers discounts for online quote, anti-theft, anti-lock brakes, multi-policy, and homeowner.
- State Farm includes discounts for multiple policy, passive restraint, driver's education, anti-theft, and defensive driving training.
- Progressive may include discounts for multi-vehicle, online signing, homeowner, online quote discount, multi-policy, good student, and continuous coverage.
- Mercury Insurance has savings for age of vehicle, type of vehicle, annual mileage, multi-car, good student, low natural disaster claims, and professional/association.
The illustration below visualizes the comparison of auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving violations, South Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, safe-driver, passive restraint, anti-theft, homeowner, and marriage discounts applied. In this example, theamount saved on car insurance in Mauldin is 28% or $495.
The chart below illustrates how your deductible choice can increase or decrease insurance rates when researching cheap insurance in Mauldin. The rate quotes are based on a single male driver, comp and collision included, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could pocket $442 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $664 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could roll back prices as much as $1,292 every year just by using higher deductibles.
If you make the decision to raise deductibles, it will be important to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
What aren't you shopping around?
Mauldin car insurance rates are influenced by many factors that may substantially change the price you pay for coverage. Simply getting older, buying another vehicle, or getting a couple of tickets can produce rate changes that may make certain companies affordable when they were higher priced.
Not only may things change on your end, but companies file new South Carolina car insurance rates every year or even multiple times each year to reflect underwriting profits or losses. Significantly higher losses can result in price increases, while lower claim levels can produce lower-cost Mauldin car insurance rates.
The graph below shows rates for the cheapest car insurance in Mauldin, SC for a 35-year-old female driver with no prior accidents, a clean driving record, and great credit. When comparing rates based on her personal profile, The Hartford might quote the best car insurance rates in Mauldin at $799 each year. This is $810 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are the rest of the best Mauldin, SC auto insurance companies.
Now let's give the driver from the first set of rates a claim or two, slightly worse credit, and a couple of points charged on her driving record. Because every insurance company has a unique approach for determining prices, comparing quotes may now show a different ranking of cheap Mauldin auto insurance companies as shown below.
National Grange Mutual now has the cheapest auto insurance in Mauldin with State Farm, Travelers, USAA, and The Hartford also being competitive. This illustrates why it is critical to shop around when trying to find the most affordable car insurance rates in Mauldin. Car insurance prices are impacted by many things and change frequently, so the most economical company the last time you shopped around may now be one of the higher cost companies.
How to find cheaper insurance in Mauldin
Below you'll find many thrifty ideas that can help drivers buy low-cost coverage.
- Do not insure for full coverage
- Bundle home and auto and earn a discount
- Save money by staying claim-free
- Avoid getting tickets or violations
- Being accident-free can lower rates significantly
- Choose a safer vehicle and pay lower rates
- Compare rates once a year for cheaper prices
That last piece of advice is extraordinarily vital, as we emphasized in the article above. Prices fluctuate constantly, so don't be unwilling to buy a different policy if a cheaper price is available.
Staying with the same car insurance company is fine, but is isn't recommended if that loyalty ends up costing money that could be spent on other things. If you have a few minutes, shop around to find cheaper insurance in Mauldin.