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Cheap car insurance in Simpsonville, South Carolina

Car insurance in Simpsonville, SC costs $1,486 on average, with American National generally offering the cheapest rates. The price you will pay for car insurance in Simpsonville will be different depending on your zip code, the vehicle you drive, and other personal factors like your age and driving record. 

Written by Alyssa DiCastro

Reviewed by Rob Deming Shield check

Last updated: February 26th, 2024

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Auto insurance trends: Simpsonville, SC

Average annual cost of car insurance:

$1,486

Rank among cities for cheap insurance in SC (out of 20):

#2

Most affordable insurance company on average:

American National

Zip code with least expensive insurance:

29680 ($1,367)

On this page:

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Car insurance cost across Simpsonville, SC

Click the pins on the map to see the average annual cost of car insurance in each zip code.

29680#$1,367#34.685122#-82.288811|29681#$1,552#34.8251184#-82.2540044

Cheap car insurance companies in Simpsonville, SC

American National, USAA, and Progressive are among the best and cheapest car insurance companies in Simpsonville, SC. On average, they offer the cheapest rates for full coverage car insurance policies in the city.

However, you may find that another company is better for you based on your profile, vehicle, and coverage needs. It’s important to compare personalized rates at multiple insurers in Simpsonville, SC to find the best coverage and price combination for your specific needs.

Cheapest minimum car insurance in Simpsonville

All states have minimum legal car insurance limits, and South Carolina is no exception. In general, if you purchase car insurance at the minimum required limits, you will pay significantly less for your car insurance, but you will also have less financial protection in case of an accident.

In South Carolina, the minimum car insurance limits are as follows:

Bodily Injury Liability – $25,000 limit per person/$50,000 limit per accident.

Property Damage Liability – $25,000 limit.

Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident.

The above limits do not include comprehensive or collision insurance which provide coverage for your own property in the event of an accident or covered incident. Additionally, if you lease or finance your vehicle, your lender may require more coverage than what’s listed above.

Below, you’ll see the average annual cost of minimum car insurance at the top insurance companies in Simpsonville.

Average Annual Premiums for Minimum Coverage

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Cheapest full coverage insurance in Simpsonville

Most drivers choose to purchase a full coverage car insurance policy, which generally has higher limits than the minimum requirements and provides coverage for their own property in an accident they cause or a covered incident like theft or weather damage.

We use these limits for a full coverage policy:

  • $100k/300k/100k for liability insurance
  • $500 deductible for comprehensive and collision insurance

In the table below, you’ll see the average annual cost of a full coverage car insurance policy at the top insurance companies in Simpsonville.

Average Annual Premiums for Full Coverage

Annual rates for a 35-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Local car insurance agents in Simpsonville

Choosing to work with a local insurance agent offers a range of benefits for Simpsonville residents:

Local knowledge

Your agent will better understand the unique factors influencing insurance needs in Simpsonville, SC

Personalized experience

Local agents establish strong relationships with their clients which helps them address your specific concerns, and tailor insurance coverage to your unique needs

Peace of mind

In times of need, your local agents will be a familiar face that can guide you through the claims process and provide support

Recommended agents in Simpsonville

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Other local agents in Simpsonville

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Factors that impact insurance cost in Simpsonville​

Where you live is one of the most significant factors that insurance companies consider when determining your car insurance premium.

Car insurance laws are set at the state-level, and the rating plans insurance companies use to calculate individuals’ rates are approved by the state department of insurance, so the state you live in has a big impact on the price you pay for car insurance.

However, even the city and zip code you live in can make a difference on your premium. The impact your zip code has on car insurance rates is influenced by several factors:

Population

Areas with higher population density often have more traffic, increasing the likelihood of accidents. With a population of 93,620, Simpsonville’s higher population may lead to higher car insurance rates.

Traffic Patterns

Insurance companies analyze the traffic patterns in different zip codes. Areas with heavy traffic and a high frequency of accidents may have higher insurance rates.

Crime Rates

Crime rate – especially rates of auto theft and vandalism – can affect insurance premiums. Higher crime rates may result in higher premiums.

Uninsured Motorist Rates

If there are a high percentage of uninsured drivers, insurance rates may be higher to account for the increased risk. According to III, 10.9% of drivers in South Carolina are uninsured.

Additionally, the weather and road conditions in Simpsonville and claims history in your specific zip code may impact your rates. It’s important to note that each insurance company may weigh these factors differently when determining rates, and the specific impact of zip code can vary from one company to another.

Take our short quiz to see what factors impact your car insurance premium in Simpsonville, SC

Take our short quiz to see what factors impact your car insurance premium in Simpsonville, SC

Cheap car insurance by factor

Car insurance in Simpsonville by age

Your age has a significant impact on the price you’ll pay for car insurance. In general, young drivers will pay the most for car insurance until about age 25 when car insurance rates start to level out. From age 25 on, rates tend to decrease each year until the mid-50s when drivers tend to pay the lowest rates. From age 60 on, rates will slowly rise again.

Cheapest car insurance for teens in Simpsonville

Teenage drivers pay the most for car insurance in Simpsonville. Below, you’ll see the average cost of car insurance for a 17-year-old driver on their own policy at the top insurance companies in Simpsonville.

Average Annual Premium for Teen Drivers

Annual rates for a 17-year-old male driving a 2023 RAV4, estimated using publicly sourced data from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Car insurance in Simpsonville by credit score

In most states, car insurance companies can use credit score as a rating factor. In those states, drivers with poor credit scores (580 and below) pay more than those with good credit scores (670-739). Those with excellent credit scores save the most on car insurance.

Car insurance in Simpsonville by marital status

On average, married couples tend to save on car insurance. In Simpsonville, married drivers save -25.72% on car insurance when they combine their policies, compared to what they would spend on two individual policies. 

Car insurance in Simpsonville and gender

In most states, car insurance companies can use the sex described on your driver’s license as a rating factor. However, other factors – like your vehicle and driving record – tend to have a bigger impact on the price you pay for car insurance.

Average rates each gender pays for car insurance in Simpsonville:

How to save money on car insurance in Simpsonville

Insurance companies use a variety of factors – from the vehicle you drive to your driving record – to determine your insurance premiums. This means that the cheapest company for you might be different than the cheapest company for your friend or neighbor.

The best way to save on car insurance in Simpsonville is to compare quotes from leading insurance companies. Rate Retriever makes it easy for you to compare rates at each of the top companies based on your unique driver profile.

Simpsonville auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

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South Carolina car insurance laws

What auto insurance laws are in South Carolina?

The minimum car insurance requirements in South Carolina are: Bodily Injury Liability – $25,000 limit per person/$50,000 limit per accident. Property Damage Liability – $25,000 limit. Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident.

How long do you have to get insurance in South Carolina?

Typically, you will be granted 30 days to get car insurance for a new car in SC.

What is the fine for not having car insurance in South Carolina?

Driving without insurance is against the law in SC. If you are convicted of driving without insurance, you will be subject to fines from $100-$550 for the first offense.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

Simpsonville zip codes evaluated

When analyzing Simpsonville rates, we used the following zip codes:

29680, 29681

Sources