The words "low-priced" and "insurance" really shouldn't be used together, specifically when searching for the best coverage prices for government employees. To help control this cost, let's familiarize you with some situations that have an effect on insurance prices, and find some ways to lower the price of your next policy.
The vehicle you are seeking coverage for is one of the main factors when comparison shopping for the most economical coverage for government employees. Vehicles with lower performance, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models. The next list shows car insurance prices for some of the more affordable automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$898|
|Ford Escape XLS 2WD||$927|
|Honda CR-V EX-L 2WD||$952|
|Nissan Altima 2.5 4-Dr Sedan||$972|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$982|
|Ford F-150 STX Regular Cab 2WD||$984|
|Ford Explorer Eddie Bauer AWD||$990|
|Nissan Rogue S AWD||$1,041|
|Ford F-350 Super Cab Cabela Package 2WD||$1,062|
|Jeep Grand Cherokee Laredo 4WD||$1,064|
|Chevrolet Impala LT||$1,069|
|Chevrolet Equinox LT 2WD||$1,064|
|Volkswagen Jetta LE 4-Dr Sedan||$1,073|
|Honda Odyssey EX||$1,072|
|Toyota Tacoma Double Cab 4WD||$1,084|
|Dodge Grand Caravan Hero||$1,097|
|Toyota RAV4 4WD||$1,103|
|Toyota Camry Hybrid||$1,113|
|Ford Edge Sport 2WD||$1,121|
|Hyundai Elantra GLS 4-Dr Sedan||$1,148|
|Toyota Corolla LE||$1,157|
|Chevrolet Silverado 2500HD LT Crew Cab 2WD||$1,164|
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Price data assumes 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, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in your specific South Carolina location which can revise premiums significantly.
Looking at the rates, we can tell that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Nissan Altima are going to be the less-costly vehicles to insure for state and federal workers.
Figuring out which company offers the cheapest car insurance rates for government employees in South Carolina requires a tad more effort than just comparing a company or two. Each insurance company has their own process for setting rates, so let's examine the overall cheapest 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 significantly increase or decrease the price of coverage. Simply getting older, marrying your spouse, or getting a couple of tickets can produce rate changes that can make some companies cheaper than competitors.
Find the Cheapest Car Insurance in South Carolina
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,248|
|6||Southern Farm Bureau||$1,248|
|7||National Grange Mutual||$1,321|
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The Hartford may have some of the cheapest car insurance rates in South Carolina at around $745 per year. This is $864 less than the average price paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina insurance companies.
As depicted above, if you are insured with Auto-Owners and switched to USAA, you could realize savings of around $156. Drivers with SC Farm Bureau Mutual may save as much as $263 a year, and Southern Farm Bureau insureds might reduce rates by $263 a year.
It's important to note that these prices are averages for all drivers and vehicles and are not factoring in a rate discount for government employees. So the car insurance company that can offer you the best price may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.
For state and federal workers, one of the largest factors that are looked at to help calculate the amount you pay for auto insurance is where you live. Regions with more people or even just more weather-related claims like North Charleston, Summerville, and Sumter tend to pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The table below rates the highest-priced places in South Carolina for government employees to buy an auto insurance policy in.
|12||Hilton Head Island||$1,162|
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Rates are approximated as specific South Carolina garaging address can alter premiums substantially.
Careless South Carolina drivers pay higher rates
The recommended way to enjoy good car insurance prices in South Carolina for state and federal workers is to be a good driver and have a clean driving record. The chart below highlights how traffic violations and at-fault fender-benders increase insurance costs for each age group. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of auto insurance in South Carolina per year with no accidents or violations is $1,982. Add in two speeding tickets and the average cost rises to $2,631, an increase of $649 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for government employees in South Carolina increases to an average of $4,916. That's an increase of $2,934, or $245 per month, just for not keeping your driving record clean!
Ending up with a good quality insurance company can be rather challenging considering how many companies there are to choose from in South Carolina. The company rank data in the lists below can help you decide which car insurance providers to look at when shopping around. These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles 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
The information below shows how choosing a deductible can increase or decrease yearly insurance costs when trying to find cheap insurance for government employees in South Carolina. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could save $314 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could reduce their rates $920 each year just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of money set aside to offset the extra out-of-pocket expense that is associated with using high deductibles.