Cheapest Auto Insurance in Fort Mill, South Carolina (2024)
Drivers in Fort Mill can secure cheap rates with USAA, with liability policies starting at $44 per month.
Excellent
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated October 30, 2024
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Table of contents
Liability car insurance in Fort Mill costs $196 per month, on average — similar to the statewide average of $225 per month and more than the nationwide monthly average of $158.
Fort Mill’s close proximity to neighboring Charlotte, North Carolina's largest city, and more congested highways could partly account for its higher car insurance costs.
Here are some of the best ways to find affordable car insurance in Fort Mill to save money without sacrificing coverage.
Quick Facts
USAA, Auto-Owners, and State Farm are the best places to look for cheap car insurance in Fort Mill.
Drivers in Fort Mill pay a yearly average of $2,347 for car insurance.
USAA offers the best auto rates for veterans and active-duty military members in Fort Mill.
3 of the cheapest car insurance companies in Fort Mill
Insurify’s analysis of auto insurance costs in Fort Mill, South Carolina, can shed some light on the most affordable car insurance policies. But your best choice depends on your specific coverage needs and which discounts you qualify for.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $100 | $57 | Teen drivers |
| USAA | 9.4 | $90 | $51 | Liability-only coverage |
| Auto-Owners | 8.5 | $97 | $55 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
You’ll find some of the most competitive auto rates for teen drivers at State Farm, the largest U.S. auto insurance company by market share. State Farm also offers several discounts to reduce your bill even more. The company has nine agents in Fort Mill if you prefer in-person service.
Pros
Savings of up to 20% possible by insuring multiple vehicles
Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study
Rideshare insurance available
Cons
Not the cheapest option in Fort Mill
Can only purchase a policy through State Farm agents
Gap insurance not available
Best insurer for liability-only coverage: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA has very affordable rates in Fort Mill. The downside is that coverage is only available to active-duty military members, veterans, and their families.
Pros
Wide range of customizable policy options and discounts
Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study
Few complaints in South Carolina, according to the National Association of Insurance Commissioners (NAIC)[1]
Cons
Coverage limited to members of the military community
No local branches in South Carolina
Rideshare insurance not available in South Carolina
Best insurer for drivers with a DUI: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is the best insurer for Fort Mill drivers with DUIs. It has plenty of local independent agents — you’ll find four in Fort Mill.
Pros
Lower-than-average auto rates
Few complaints in South Carolina, according to the NAIC[1]
At-fault accident forgiveness available
Cons
Above-average volume of customer complaints about claims processing
Poor mobile app ratings
Must contact an agent via phone to get a quote
)
Read More: The 10 Best Car Insurance Companies
How to get the cheapest car insurance in Fort Mill
Your age, driving history, vehicle type, and location play a role in how much you pay for car insurance. The insurance company you choose can make a big difference, too. Here are some tips for finding cheap Fort Mill car insurance:
Compare quotes. Get rates from multiple insurance companies to compare prices and coverage options side by side.
Take advantage of discounts. Multi-vehicle and multi-policy discounts can help you cut down your overall insurance costs.
Review coverage. Read over your coverage to see if you can make any policy changes to save money.
Keep a clean driving record. Safe driving habits can qualify you for lower rates and qualify you for discounts for even more savings.
Consider usage-based insurance. A pay-per-mile policy uses your actual driving habits to set rates and can cost less, depending on how much you drive.
Compare Car Insurance Rates in Fort Mill
Liability rates start at $44 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Fort Mill: USAA
If you cause an accident, your liability auto coverage helps cover the costs of other drivers’ injuries or property damage. It’s important to note that a liability-only policy doesn’t extend to cover your own injuries or damage to your motor vehicle.
Fort Mill drivers pay a monthly average of $170 for liability-only policies. Below, you can find the lowest rates offered by insurers in Fort Mill.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $44 |
| Auto-Owners | $47 |
| State Farm | $49 |
| GEICO | $53 |
| Nationwide | $72 |
| Safeco | $74 |
| Allstate | $76 |
| Travelers | $83 |
| Progressive | $96 |
| State Auto | $99 |
| Midvale Home & Auto | $106 |
| Direct Auto | $120 |
| Liberty Mutual | $136 |
| Dairyland | $138 |
| National General | $155 |
| The General | $155 |
| AssuranceAmerica | $184 |
| Bristol West | $190 |
| GAINSCO | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Mill: USAA
Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. It isn’t just for newer or high-value cars, though. Commuters, frequent drivers, and drivers in areas with a high frequency of accidents can also benefit from full coverage, which provides greater financial protection for at-fault accidents and non-collision events such as vehicle theft, vandalism, and weather hazards.
The average cost of full-coverage car insurance in Fort Mill is $221 per month. But Fort Mill drivers can still find lower rates for full coverage below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $76 |
| Auto-Owners | $83 |
| State Farm | $85 |
| GEICO | $91 |
| Safeco | $121 |
| Nationwide | $125 |
| Allstate | $133 |
| Travelers | $142 |
| Progressive | $152 |
| State Auto | $157 |
| Midvale Home & Auto | $167 |
| Direct Auto | $207 |
| AssuranceAmerica | $216 |
| National General | $227 |
| Liberty Mutual | $249 |
| The General | $291 |
| Dairyland | $301 |
| Bristol West | $338 |
| GAINSCO | $370 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fort Mill, South Carolina
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $101/mo for full coverage in Fort Mill and other South Carolina cities.
*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
Auto insurance in South Carolina follows an at-fault system, meaning you’re on the hook for other people’s injuries and property damages if you’re responsible for causing an accident.[2]
You’ll need a policy with at least minimum insurance coverage before applying for or renewing your driver’s license, when registering your vehicle, and at renewal.[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist coverage | Equal to or greater than liability limits |
From protecting against uninsured drivers to covering vehicle repairs and medical bills, here are some optional auto insurance coverages available in South Carolina:
Underinsured motorist coverage
While South Carolina requires drivers to carry uninsured motorist coverage, underinsured motorist coverage is optional. It protects you if you’re in an accident with a driver who doesn’t have enough coverage to fully compensate you for the damages they cause.
Collision coverage
Collision insurance pays to replace or repair your vehicle if you cause an accident with another vehicle, or if you hit a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance covers damage to your car caused by events other than a collision, like theft, vandalism, natural disasters, fire, or damage from animals.
Medical payments coverage
Medical payments insurance provides coverage for medical expenses for you and your passengers. It can include MedPay, personal injury protection (PIP), and excess medical payments coverage.
Rental reimbursement
This pays for a rental car while you wait for vehicle repairs as part of an insurance claim.
Roadside assistance
This covers the cost of towing and labor if your car breaks down and you need roadside assistance or a ride to a repair shop.
Gap insurance
Short for “guaranteed asset protection,” gap insurance pays the difference between the actual cash value of your vehicle and the outstanding loan or lease amount if your car is totaled or stolen, covering the gap in value.
Accident forgiveness
Causing an accident can increase your car insurance rates when your policy renews. But if you buy accident forgiveness coverage before something happens, your insurer will keep your rates stable after your first at-fault accident. Usually, you need to have at least three years of clean driving record to be eligible to buy this coverage.
Cheapest car insurance for drivers with an incident
Insurers usually have to pay for repairs and claims more frequently if a driver has a history of incidents. In this situation, your rates will typically go up to account for insurers’ increased risk. Speeding tickets, driving under the influence (DUI), and at-fault accidents are a few incidents that can lead to higher premiums.
“Typically, a driver who incurs a speeding ticket or is involved in an at-fault accident will face a surcharge on their insurance premium for a minimum of three years,” explains Mark Friedlander, director of communications at the Insurance Information Institute.
Shop for Car Insurance in Fort Mill, SC
Monthly rates start at $54 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
Drivers with speeding tickets can usually find affordable auto coverage without much hassle. Your rate will likely increase slightly, but not as much as it will after other driving infractions.
On average, Fort Mill drivers with a speeding ticket pay $233 for liability coverage and $303 for full coverage per month. Shopping around can help you get a cheaper policy to offset any rate increases.
The following table shows liability-only rates for Fort Mill drivers with speeding tickets.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $44 | $56 |
| Auto-Owners | $47 | $60 |
| State Farm | $49 | $62 |
| GEICO | $53 | $68 |
| Nationwide | $72 | $93 |
| Safeco | $74 | $96 |
| Allstate | $76 | $97 |
| Travelers | $83 | $107 |
| Progressive | $96 | $122 |
| State Auto | $99 | $138 |
| Direct Auto | $120 | $153 |
| Liberty Mutual | $136 | $188 |
| Dairyland | $138 | $177 |
| National General | $155 | $199 |
| The General | $155 | $200 |
| AssuranceAmerica | $184 | $238 |
| Bristol West | $190 | $243 |
| GAINSCO | $211 | $292 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Finding affordable coverage with an at-fault accident on your driving record can be a bit more challenging than with just a speeding ticket. Insurers might label you as a high-risk driver if you have more than one accident or a history of other types of traffic violations.
Drivers in Fort Mill with an at-fault accident on their record pay a monthly average of $236 for liability coverage and $306 for full-coverage car insurance.
Below, you see liability-only quotes from top insurers for Fort Mill drivers with at-fault accidents on their motor vehicle records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $44 | $58 |
| Auto-Owners | $47 | $62 |
| State Farm | $49 | $64 |
| GEICO | $53 | $70 |
| Nationwide | $72 | $96 |
| Safeco | $74 | $96 |
| Allstate | $76 | $101 |
| Travelers | $83 | $111 |
| Progressive | $96 | $128 |
| State Auto | $99 | $144 |
| Direct Auto | $120 | $162 |
| Liberty Mutual | $136 | $193 |
| Dairyland | $138 | $181 |
| National General | $155 | $206 |
| The General | $155 | $208 |
| AssuranceAmerica | $184 | $242 |
| Bristol West | $190 | $250 |
| GAINSCO | $211 | $267 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
The rate of alcohol-impaired driving deaths is 78% higher in South Carolina than the rest of the country.[4] In the Palmetto State, a DUI stays on your driving record permanently. Insurers view DUIs as a major risk and will charge you substantially higher rates if you have one on your record. Some may choose to not renew your policy when your term ends, or they may cancel your policy mid-term. Depending on the severity of your infraction, you may need to look at insurers that specialize in high-risk policies.
The average monthly quote for drivers in Fort Mill with a DUI is $270 for liability coverage and $350 for full coverage. Check out the table below that highlights the most affordable liability-only car insurance rates for Fort Mill drivers with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $44 | $71 |
| Auto-Owners | $47 | $76 |
| State Farm | $49 | $79 |
| GEICO | $53 | $86 |
| Nationwide | $72 | $117 |
| Safeco | $74 | $120 |
| Allstate | $76 | $123 |
| Travelers | $83 | $134 |
| Progressive | $96 | $155 |
| State Auto | $99 | $160 |
| Direct Auto | $120 | $194 |
| Liberty Mutual | $136 | $220 |
| Dairyland | $138 | $223 |
| National General | $155 | $251 |
| The General | $155 | $251 |
| AssuranceAmerica | $184 | $298 |
| Bristol West | $190 | $307 |
| GAINSCO | $211 | $341 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
While car insurance quotes tend to decrease around age 25, senior drivers may see slight increases in their rates as accident risks also increase for seniors.
Senior drivers living in Fort Mill pay an average of $140 per month for liability coverage. Start your search by comparing the average full coverage and liability-only rates for Fort Mill seniors below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $61 | $35 |
| Auto-Owners | $65 | $37 |
| State Farm | $66 | $38 |
| GEICO | $73 | $42 |
| Nationwide | $94 | $54 |
| Safeco | $102 | $62 |
| Allstate | $107 | $61 |
| Progressive | $109 | $69 |
| Travelers | $111 | $65 |
| State Auto | $120 | $75 |
| Direct Auto | $162 | $94 |
| AssuranceAmerica | $164 | $139 |
| National General | $175 | $119 |
| Liberty Mutual | $208 | $113 |
| The General | $237 | $126 |
| Dairyland | $240 | $110 |
| Bristol West | $271 | $152 |
| GAINSCO | $310 | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Young drivers pay much higher car insurance rates than adults due to limited experience behind the wheel and risky driving behaviors that cause accidents. Lack of experience leads to an accident rate nearly three times higher for teenagers than for drivers age 20 and older.[5] Liability coverage costs $304 per month for teen drivers in Fort Mill, on average.
Still, following a few strategies can ease the financial strain of insuring a young driver. Consider adding your teen to your policy and buying a safe, reliable car with safety features to keep costs down. Minor teens won't be able to buy their own policy without the written consent of a parent or guardian. You can also talk to your teen about maintaining good grades to qualify for good student discounts.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $129 | $74 |
| Auto-Owners | $143 | $81 |
| GEICO | $146 | $85 |
| State Farm | $147 | $85 |
| Nationwide | $219 | $126 |
| Allstate | $238 | $136 |
| Safeco | $245 | $150 |
| Travelers | $259 | $152 |
| Progressive | $274 | $173 |
| State Auto | $283 | $178 |
| Direct Auto | $382 | $221 |
| AssuranceAmerica | $403 | $343 |
| Liberty Mutual | $447 | $244 |
| National General | $453 | $309 |
| The General | $471 | $251 |
| Dairyland | $501 | $230 |
| Bristol West | $579 | $326 |
| GAINSCO | $654 | $373 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Mill car insurance quotes by credit tier
Insurance companies can’t deny you coverage because of your credit history, but they can consider it when setting your premiums.[6] Generally, a higher credit score leads to lower car insurance rates. Insurers see drivers with better credit as lower risk and less likely to file claims.
In Fort Mill, drivers with poor credit scores typically pay more for full coverage than drivers with good credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Mill?
Drivers in Fort Mill pay $196 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $225.
Auto rates can change depending on your location, thanks to differences in population density, crime rates, and accident rates. For example, Greer’s average quote is $177 per month, while drivers in Myrtle Beach pay an average of $179 per month.
More cities in South Carolina
Fort Mill and the surrounding area, including Rock Hill, have some of the cheapest rates in South Carolina overall. See how Fort Mill’s rates compare to some other South Carolina cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Charleston | $322 | $205 |
| Columbia | $292 | $179 |
| Greenville | $249 | $165 |
| Lexington | $246 | $159 |
| Myrtle Beach | $212 | $146 |
| North Charleston | $352 | $235 |
| Rock Hill | $292 | $189 |
| Summerville | $324 | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Check Out: Car Insurance Rates by State
Fort Mill car insurance FAQs
If you still have questions about finding car insurance in Fort Mill, check out the answers to some commonly asked questions below.
What factors affect car insurance costs in Fort Mill?
Like any city, factors like your ZIP code, driving record, age, credit history, and more affect the cost of car insurance in Fort Mill. Make sure to drive safely, keep your driving record clean, and maintain a strong credit rating to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
Which company has the cheapest car insurance in Fort Mill?
USAA has the cheapest car insurance in Fort Mill, with monthly liability rates as low as $44. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $47 and $49.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fort Mill?
USAA is the best car insurance company in Fort Mill, with an IQ Score of 9.4 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior).
How much insurance do you need in South Carolina?
The minimum liability-insurance requirements in South Carolina are $25,000 per person and $50,000 per accident in bodily injury liability, along with $25,000 per accident in property damage liability. Car owners also need to purchase uninsured motorist coverage with coverage levels equal to liability coverage requirements.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in South Carolina
Sources
- National Association of Insurance Commissioners. "https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_STATE&Cocode=18600&REALM=PROD&Cocode=18600&REALM=PROD."
- South Carolina Department of Insurance. "Insurance Requirements."
- South Carolina Department of Motor Vehicles. "Insurance Requirements."
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving - South Carolina."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- South Carolina General Assembly. "Bill 3219: Consumer credit reporting."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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