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Are you in need of cheap auto insurance in Mount Pleasant, SC? With AutoInsuranceEZ.com, you’ll find the lowest cost insurance rates for your area. To find free car insurance rates offered by the very best providers immediately, type in your local zipcode into the quote box here.

Once the home of the Sewee Indians, Mount Pleasant is now a bustling suburban community located along the Atlantic Coast of South Carolina. It is bordered by the Cooper River, which separates it from the nearby city of Charleston. It is also the site of the naval museum and decommissioned ship USS Yorktown.

  • Fun fact: did you know that Mount Pleasant is the 5thlargest city in all of South Carolina? Interested in learning more about Mount Pleasant? Click here!

Auto Insurance Coverage Requirements in South Carolina

Driving legally in Mount Pleasant requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 250 deductible

Unlike most states, South Carolina drivers only need Liability and Uninsured Motorist coverage in order to drive legally. However, these types of coverages only pay out claims in a limited few scenarios. They don’t cover things like weather damage, theft, or vandalism.

Your average South Carolina driver probably pays around $110 per month on their premiums. This is pretty good, but Mount Pleasant drivers can get as low as $38/mo* if they know what discounts to look for. Keep reading below to find out what those are.

Average Monthly Auto Insurance Premiums Legend: Mount Pleasant Nationwide Sothern Farm Bureau Allstate State Farm State Auto 5 10 15 20 25 30 35 40 $32 $35 $39 $40 $44

 

Nationwide and Southern Farm Bureau are currently offering some of the lowest rates available in the Mount Pleasant area. However, a low monthly rate doesn’t necessarily mean great customer service or a smooth, easy-to-navigate claims process. Make sure you do plenty of research on your company of choice before you sign on the dotted line.

Those that supply auto insurance policies contemplate several elements when calculating quotes, such as gender, zip code, your credit score, driving distance to work, and theft protection devices. Furthermore, premiums differ from carrier to carrier. To find out if that you’re still being charged the best price, look at cheap Mount Pleasant auto insurance prices on the internet.

Major Car Insurance Factors in Mount Pleasant

There are many ways in which your car insurance rate can be estimated. But not all of it is out of your control; there are actions you can take in order to control which discounts you are eligible to obtain. Listed below are some of these factors in greater detail:

  • Your Zip Code

For most people, the most affordable car insurance is usually associated with urban centers with a smaller population density. Since there are less cars driving the road, there are fewer chances to get involved in a significant crash with a different driver. The populace of Mount Pleasant is 74,885 and the average family income is $84,057.

Auto Insurance by Zip Code Legend: Charleston Columbia Mount Pleasant North Charleston Rock Hill Nationwide Sothern Farm Bureau Allstate State Farm State Auto 5 10 15 20 25 30 35 40 $29 $31 $32 $39 $29 $31 $37 $35 $42 $31 $31 $37 $39 $39 $31 $32 $37 $40 $39 $32 $34 $33 $44 $40 $34

 

  • Automotive Accidents

If you live in a high-traffic area notorious for motor vehicle accidents, it is likely that your monthly premiums will reflect this danger in the form of a higher payment. You can see the fatal accident statistics for Mount Pleasant in the chart above. There were only 3 fatalities recorded in 2013, which is very low compared to some areas, but your automotive insurance company may still adjust their rates accordingly.

Fatal Accidents in Mount Pleasant, SC Legend: Mount Pleasant Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 3 4 1 3 5 2

 

  • Auto Thefts in Mount Pleasant

Dwelling in a large metropolis (Chiefly any with a high rate of crime) raises your potential for being a target of auto thieves. In cases where your regular location features substantial rates of claims for theft, you are likely to pay a lot more for your car insurance to be able to attempt to counter these expenses. The actual total amount of taken vehicles in 2012 was down to 58 for the city of Mount Pleasant. Luckily, this means auto thefts are very low. Later, we’ll talk about how lowering your deductible on things like Comprehensive coverage (which protects against theft) can save you money.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Nationwide Sothern Farm Bureau Allstate State Farm State Auto 15 30 45 60 75 90 105 120 $32 $71 $35 $81 $39 $102 $40 $88 $44 $132

 

  • Your Credit Score

Depending on your credit, a poor score can end up nearly doubling your monthly rate. Luckily, South Carolina average insurance rates are fairly low to start with, so it may not break your budget. And there are local providers who still offer low rates, in spite of poor credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Nationwide Sothern Farm Bureau Allstate State Farm State Auto 10 20 30 40 50 60 70 $29 $45 $32 $55 $36 $67 $33 $76 $37 Do Not Sell

 

  • Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Nationwide Sothern Farm Bureau Allstate State Farm State Auto 20 40 60 80 100 120 140 160 180 200 $32 $131 $35 $118 $39 $118 $40 $188 $44 $200

 

  • Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have too many citations, or commit a serious violation – such as a DUI – you may lose your coverage all together.

Driving violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Nationwide Sothern Farm Bureau Allstate State Farm State Auto 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 $32 $37 $59 $45 $35 $42 $35 $43 $39 $49 $59 $71 $40 $44 $44 $48 $44 $57 $85 $67

 

  • Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Nationwide Sothern Farm Bureau Allstate State Farm State Auto 15 30 45 60 75 90 105 120 135 $32 $124 $35 $90 $39 $133 $40 $108 $44 $139

 

Minor Car Insurance Factors in Mount Pleasant

Believe it or not, the following factors will also influence how much you’ll pay each month for insurance:

  • Your Marital Status

If you are part of a married couple, there’s good news: you can save money on your automotive insurance policies if you bundle them together. As individuals, however, you won’t save very much being married vs. being single.

  • Your Gender

Insurance company data shows that there really isn’t a big difference in risk from one gender to another. Most major providers don’t even charge different rates based on gender anymore. However, the few companies that still do only charge about a 2-3% difference. And whether or not that difference punishes males or females largely depends on the company providing the policy.

  • Your Driving Distance to Work

While most residents report a typical commute time lasting between 25-43 minutes, some can expect a shorter duration of 17 to 20 minutes also. Nearly 89% of locals choose to get around using their own automobile solo, while around 3-5% carpool.

If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.

  • Your Coverage and Deductibles

To increase your coverage without breaking the bank, talk to your insurance provider about raising your deductible. This will lower your monthly rates, while making coverage more affordable. Of course, it will also make repairs and costs more expensive if you ever have to file a claim.

  • Education in Mount Pleasant, SC

An impressive one-third of the Mount Pleasant population has earned a bachelor’s degree, while an additional 14% has at least one year of college experience. This is good news for many of the drivers in Mount Pleasant, because having a college education gives you automatic savings on your car insurance! Just contact your current provider for more details.

For a higher education, you may have to commute to nearby towns, as the bulk of education in Mount Pleasant is dedicated to servicing grades K-12. However, there are several opportunities in nearby Charleston, like the Charleston School of Law or The Citadel. You can also look into the American College of the Building Arts located in North Charleston.

Auto insurance is one of the most essential financial investments you are able to as an automobile owner. You should make sure you uncover a legitimate, responsible supplier who’ll follow through on their promises. Certain car insurance agencies will be far better at this as opposed to others, and performing a rigorous internet based search will let you differentiate the favorable from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

South Carolina Department of Insurance

South Carolina State Board of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Compare rates right away and save lots on your next insurance charges.

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