How much does car insurance cost in Mount Pleasant, SC? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in South Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Mount Pleasant typically pay around $113.73 per month compared to the national average of $145.87 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $145.87 |
South Carolina | $122.04 |
Mount Pleasant, South Carolina | $113.73 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American National P&C generally has the most affordable car insurance in Mount Pleasant coming in around $52.51 per month. Other companies to consider if you live in Mount Pleasant is American National P with an average cost of $62.48 per month and Safeco which typically runs around $101.23 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Mount Pleasant.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | American National P&C | $52.51 | -56.97% |
2 | American National P | $62.48 | -48.81% |
3 | Safeco | $101.23 | -17.05% |
4 | USAA | $107.73 | -11.72% |
5 | State Farm | $109.70 | -10.11% |
6 | Auto-Owners Insurance Co | $110.61 | -9.37% |
7 | Southern Farm Bureau | $115.66 | -5.22% |
8 | Travelers | $116.53 | -4.51% |
9 | Nationwide | $130.69 | 7.09% |
10 | NatGen Value | $146.82 | 20.31% |
Rates can vary from city to city. The residents of Aiken typically pay $106.14 per month while people who live in Anderson will pay $102.51 per month on average. See what people pay for car insurance in other cities in South Carolina.
South Carolina Cities | Monthly Average Rate |
---|---|
Aiken | $106.14 |
Anderson | $102.51 |
Beaufort | $127.80 |
Charleston | $148.71 |
Columbia | $140.81 |
Florence | $133.01 |
Fort Mill | $121.13 |
Greenville | $117.30 |
Greenwood | $110.33 |
Hilton Head Island | $102.23 |
Mount Pleasant | $114.90 |
Myrtle Beach | $115.87 |
North Charleston | $158.74 |
Rock Hill | $115.66 |
Spartanburg | $118.82 |
Sumter | $132.30 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of South Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Mount Pleasant, SC ZIP Code | Average Monthly Rate |
---|---|
29464 | $115.63 |
29466 | $113.79 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $269.03 per month in Mount Pleasant. Compare that to drivers in their 30’s who typically pay around $106.27 per month drivers in their 40s at $91.68 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
16-19 | $269.03 |
20s | $148.78 |
30s | $106.27 |
40s | $91.68 |
50s | $90.05 |
60s | $81.75 |
70+ | $119.28 |
If you are teen in Mount Pleasant you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, American National P&C typically charges around $108.83 per month. This is likely the most affordable option in Mount Pleasant. You might also want to consider American National P and Southern Farm Bureau who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
American National P&C | $108.83 |
American National P | $158.24 |
Southern Farm Bureau | $215.72 |
State Farm | $272.34 |
Auto-Owners Insurance Co | $276.70 |
20 year-olds in Mount Pleasant might want to consider American National P&C who, on average, offers car insurance rates around $62.58 per month. American National P , Travelers , State Farm and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
American National P&C | $62.58 |
American National P | $93.94 |
Travelers | $128.69 |
State Farm | $144.64 |
Auto-Owners Insurance Co | $145.63 |
If you are in your 30s in Mount Pleasant our research has found that American National P typically has the most affordable coverage coming in around $52.60 per month, followed by American National P&C at $53.54 and Auto-Owners Insurance Co at $91.54.
Company | Average Monthly Rate |
---|---|
American National P | $52.60 |
American National P&C | $53.54 |
Auto-Owners Insurance Co | $91.54 |
USAA | $93.12 |
State Farm | $98.88 |
On average, American National P&C offers car insurance for 40 year-olds in Mount Pleasant for around $34.28 per month. If you are looking for affordable coverage, you may also want to consider American National P or USAA. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
American National P&C | $34.28 |
American National P | $43.44 |
USAA | $76.09 |
Auto-Owners Insurance Co | $76.72 |
Direct Auto | $80.96 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Mount Pleasant we found that American National P&C generally offers the most affordable coverage at $41.63 per month.
Company | Average Monthly Rate |
---|---|
American National P&C | $41.63 |
American National P | $47.63 |
Direct Auto | $71.64 |
Travelers | $78.50 |
USAA | $81.05 |
If you live in Mount Pleasant and you’re in your 60s, our data indicates that American National P&C usually has the best rates at $40.44 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
American National P&C | $40.44 |
American National P | $48.26 |
Direct Auto | $76.10 |
State Farm | $83.45 |
USAA | $83.65 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Mount Pleasant, the average monthly rate for a driver who is currently insured is $106.62 while drivers who are not currently covered will pay around $129.26.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $129.26 |
Currently Insured | $106.62 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Mount Pleasant a driver of a 2023 Mazda CX-5 can expect to pay around $106.21 per month while someone that owns a 2019 Ford F150 may pay around $161.66 per month. Check out the list of recent quotes in Mount Pleasant below.
Vehicle | Average Monthly Rate |
---|---|
2023 Mazda CX-5 | $106.21 |
2019 Ford F150 | $161.66 |
2013 Hyundai Elantra | $172.93 |
2005 Honda Accord | $432.08 |
2004 Ford F250 | $102.57 |
2015 Volvo XC60 | $706.33 |
2020 Ford Fusion | $160.30 |
2021 Honda Accord | $481.50 |
What Is the Minimum Liability Coverage Requirement in Mount Pleasant, SC?
Every state requires drivers to have a minimum amount of liability coverage. South Carolina drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
The minimum limits of liability coverage for South Carolina drivers are $25,000 of bodily injury per person and $50,000 bodily injury per accident to cover two or more people. Drivers must also carry $25,000 property damage liability per accident.
South Carolina is a tort liability state. This means you can pursue a claim against an at-fault driver. However, the state also uses a comparative negligence system, which means you can be disallowed from collecting for the percentage you contributed to the accident.
What Is the Blood Alcohol Concentration (BAC) limit in Mount Pleasant, SC?
It’s against the law to drive in South Carolina with the following BAC percentages:
In South Carolina, you can be charged with a DUI if your BAC is over the limit, even if your driving ability does not appear to be impaired. DUI convictions remain on your record for 10 years.
What are the consequences of being convicted of a DUI?
You cannot plead down a DUI charge in South Carolina, even for your first offense. Penalties for driving under the influence depend on the number of previous offenses but may include license suspension, community service, jail time, installation of an ignition interlock device, and more.
Check Out Other Rates in Mount Pleasant, SC Nearby Cities:
Commute Time in Mount Pleasant, SC
22 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Mount Pleasant, SC
72 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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