The cost of car insurance in Anderson can be different for each person and depends on where you shop for it. Our information shows that getting the minimum coverage in Anderson costs about 2% more than the average cost across the country. It’s a good idea to compare prices from different providers every now and then to make sure you’re getting the best deal.
We’ve reviewed the cheapest car insurance companies on a variety of factors including minimum- and full-coverage insurance costs. In this article, we aim to help you find affordable providers for Anderson car insurance, regardless of whether you have any accidents on your record or not.
Key Points:
- Our rate data shows the cheapest minimum coverage starts at $17 per month in Anderson for good drivers.
- The cheapest full-coverage insurance starts at $62 per month for good drivers.
- The cheapest auto-insurance companies include American National, which offers the cheapest options for both minimum- and full-coverage policies.
The Best Cheap Car Insurance In Anderson
American National, USAA, GEICO, and Auto-Owners make up our list of the best car insurance providers in Anderson, South Carolina. These providers offer competitive rates for minimum- and full-coverage car insurance. They also provide a broad range of coverage options and excellent customer service.
Car Insurance Companies Anderson
| Car Insurance Company | Our Score | Minimum Coverage Monthly Average | Full Coverage Monthly Average |
|---|---|---|---|
| State Farm | 4.7 | $50 | $148 |
| GEICO | 4.6 | $43 | $127 |
| USAA | 4.6 | $38 | $122 |
| Travelers | 4.5 | $65 | $134 |
| Auto-Owners | 4.4 | $46 | $153 |
| Progressive | 4.3 | $65 | $183 |
| Allstate | 4.1 | $51 | $179 |
| Sentry | 3.5 | $139 | $273 |
*All cost tables within this article represent average car insurance rates for the driving profile of a single, male driver aged 25 to 35 with good credit and a clean driving history. Rate data was sourced from Quadrant Information Services.
Car Insurance Quotes Anderson
In Anderson, if you cause a car accident, the minimum car insurance coverage compensates others involved in the accident. Our data shows minimum coverage costing about $57 per month or $684 per year in Anderson. Compared to the national average, this is about 2 percent more expensive.
A full-coverage car insurance policy repairs damages to your own car that come from car accidents or the environment. Our data shows that full coverage costs about $152 per month or $1,825 per year in Anderson on average. Compared to the national average cost of car insurance, Anderson is about 18 percent less expensive.
Cheap Liability Insurance Companies In Anderson
Minimum coverage is the cheapest type of insurance in Anderson. We recommend shopping from American National and USAA since our data shows they offer the cheapest, minimum auto-insurance rates. Good drivers can find monthly rates of $17 from American National and $38 from USAA.
| Car Insurance Company | Monthly Minimum Coverage Average | Annual Minimum Coverage Average |
|---|---|---|
| American National | $17 | $200 |
| USAA | $38 | $456 |
| GEICO | $43 | $512 |
| Auto-Owners | $46 | $556 |
| State Farm | $50 | $603 |
| Allstate | $51 | $614 |
| Southern Farm Bureau | $55 | $656 |
| Progressive | $65 | $785 |
| Travelers | $65 | $785 |
| Sentry | $139 | $1,668 |
Cheap Full-Coverage Car Insurance In Anderson
Our rate data shows that American National offers the cheapest full-coverage insurance in Anderson with rates of $62 per month. USAA ($122 per month) and GEICO ($127 per month) are also affordable.
Full coverage includes liability, comprehensive, and collision insurance. If you have an auto loan, your lender will ask you to have comprehensive insurance because it keeps your car safe in almost every situation.
| Car Insurance Company | Monthly Full Coverage Average | Annual Full Coverage Average |
|---|---|---|
| American National | $62 | $745 |
| USAA | $122 | $1,458 |
| GEICO | $127 | $1,519 |
| Travelers | $134 | $1,606 |
| Southern Farm Bureau | $140 | $1,684 |
| State Farm | $148 | $1,782 |
| Auto-Owners | $153 | $1,833 |
| Allstate | $179 | $2,152 |
| Progressive | $183 | $2,191 |
| Sentry | $273 | $3,280 |
How Driver Profiles Affect Anderson Car Insurance Quotes
How much you pay for car insurance depends on your personal situation. Because of how car insurance works, your driving history, age, vehicle, credit score, and even Anderson ZIP code influence your rate. Insurance companies take a variety of things into account when deciding how much to charge drivers for coverage. This means that the company that offers the lowest price for you might not necessarily be the cheapest option for your neighbor. Let’s explore a few examples to illustrate this point.
Anderson Car Insurance Rates By ZIP Code
The accident, vandalism, and theft rates vary slightly in each ZIP code in Anderson. These rates can impact how much you pay for car insurance. The table below shows how average rates can increase by 0.0 percent or decrease by 0.0 percent depending on the ZIP code in Anderson.
| Anderson ZIP Code | Full Coverage Monthly Average | Full Coverage Annual Average | Difference From Anderson Average |
|---|---|---|---|
| 29625 | $152 | $1,825 | -0% |
| 29621 | $152 | $1,825 | 0% |
Does Credit Score Affect Car Insurance in Anderson?
In many states, insurance companies can consider your credit score to determine how much to charge you for coverage. This is because they have found a connection between having a lower score and being more likely to make a claim. If you have a low credit score in Anderson, you might have to pay more for insurance. However, if your score is better than average, it could help you get lower rates.
Cheapest Car Insurance In Anderson For Bad-Credit Drivers
If your credit score isn’t so great, we suggest checking out insurance rates from different providers. American National offers affordable rates for drivers with poor credit at $56 per month for minimum coverage or $208 per month for full coverage.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $56 | $208 |
| USAA | $56 | $184 |
| Allstate | $81 | $273 |
| GEICO | $94 | $278 |
| Southern Farm Bureau | $95 | $248 |
| Progressive | $99 | $308 |
| Travelers | $104 | $218 |
| State Farm | $104 | $300 |
| Auto-Owners | $129 | $448 |
| Sentry | $178 | $361 |
Anderson Car Insurance Cost: Age
Car insurance for teenagers is more expensive because they tend to take more risks while driving. Teens have a higher likelihood of getting into accidents and committing traffic violations, so insurance companies charge them higher rates. In Anderson, 16-year-olds on their own insurance policy pay about $209 per month for minimum coverage or $533 per month for full coverage.
As teens age into their 20s and beyond, their rates decrease. Car insurance is usually cheapest for drivers from 35 to 55 years old. Seniors may pay slightly higher rates because of an increase in accident risk.
You can see in the chart below how the average rates for both minimum and full coverage insurance in Anderson change depending on age.
| Driver Age | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| 16 | $209 | $533 |
| 25 | $63 | $167 |
| 30 | $57 | $152 |
| 35 | $51 | $137 |
| 45 | $49 | $130 |
| 55 | $46 | $119 |
Cheapest Car Insurance Companies In Anderson For Teen Drivers
Although auto insurance rates for teenagers are costly, certain insurance companies provide more affordable options compared to others. For example, American National is one of the cheapest options for teens with minimum coverage rates of $122 per month or full-coverage rates of $312 per month. GEICO and Allstate are two more affordable options for 16-year-olds.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $122 | $312 |
| GEICO | $142 | $364 |
| Allstate | $153 | $552 |
| Southern Farm Bureau | $156 | $300 |
| USAA | $185 | $537 |
| Auto-Owners | $187 | $485 |
| State Farm | $199 | $489 |
| Travelers | $206 | $420 |
| Sentry | $330 | $620 |
| Progressive | $414 | $1,253 |
How Driving Records Affect Anderson Car Insurance Costs
If you were responsible for accidents or received speeding tickets, your car insurance costs will likely be higher. On average, accidents and tickets increase your rates for three years. Our data shows that drivers with a speeding ticket pay 29 percent more for insurance, while an accident can increase rates by 34 percent and a DUI or DWI by 51 percent.
Each insurance company decides how much to raise their prices, so they all have different rates. Our data shows American National, State Farm, and USAA are affordable for drivers with different types of violations. Below are average rates for drivers with a speeding ticket, at-fault accident, or DUI.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $24 | $84 |
| State Farm | $57 | $164 |
| USAA | $57 | $185 |
| GEICO | $68 | $201 |
| Southern Farm Bureau | $68 | $166 |
| Travelers | $81 | $176 |
| Auto-Owners | $82 | $247 |
| Allstate | $83 | $264 |
| Progressive | $91 | $259 |
| Sentry | $175 | $341 |
Cheapest Car Insurance In Anderson For A Speeding Ticket
Which insurance company has the lowest prices after getting a speeding ticket? Our rate data shows drivers can find low minimum coverage rates from American National at $23 per month on average. They can find the cheapest full-coverage rates at American National, at $80 per month.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $23 | $80 |
| GEICO | $43 | $127 |
| USAA | $48 | $150 |
| State Farm | $54 | $158 |
| Southern Farm Bureau | $64 | $153 |
| Auto-Owners | $71 | $218 |
| Allstate | $71 | $237 |
| Travelers | $76 | $166 |
| Progressive | $84 | $241 |
| Sentry | $202 | $392 |
Cheapest Car Insurance In Anderson For An At-Fault Accident
At-fault accidents can increase your insurance rates more than speeding tickets can in most cases. American National is the cheapest minimum-coverage option here with average monthly rates of $24. For full-coverage insurance, American National offers cheap rates of $82 per month. You can see there’s a big difference between the cheapest and most expensive companies below.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $24 | $82 |
| USAA | $56 | $176 |
| GEICO | $61 | $181 |
| State Farm | $62 | $176 |
| Auto-Owners | $66 | $207 |
| Southern Farm Bureau | $73 | $181 |
| Travelers | $81 | $177 |
| Allstate | $98 | $303 |
| Progressive | $100 | $312 |
| Sentry | $139 | $273 |
Cheapest Car Insurance In Anderson For A DUI
If you’re found guilty of driving under the influence (DUI), it can greatly damage your record and make your insurance rates increase by hundreds of dollars each year. In some situations, regular insurance companies may refuse to cover you if you have multiple DUIs and other offenses.
If you have a DUI in Anderson, the cheapest company for minimum coverage is American National. You can find rates as low as $26 per month. The cheapest full-coverage option is American National with average monthly rates of $90.
| Car Insurance Company | Monthly Minimum Coverage Average | Monthly Full Coverage Average |
|---|---|---|
| American National | $26 | $90 |
| State Farm | $54 | $158 |
| USAA | $68 | $229 |
| Southern Farm Bureau | $68 | $166 |
| Allstate | $78 | $252 |
| Travelers | $86 | $184 |
| Progressive | $89 | $225 |
| GEICO | $101 | $295 |
| Auto-Owners | $109 | $315 |
| Sentry | $184 | $359 |
Car Insurance Requirements In Anderson
A minimum-coverage policy includes bodily injury liability coverage and property damage liability coverage. The state of South Carolina requires drivers to carry insurance policies that meet or exceed the following requirements:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
- $25,000 underinsured/uninsured motorist property damage coverage per accident
Types Of Car Insurance Coverage
| Type of Coverage | Description |
|---|---|
| Liability | Bodily injury (BI) liability insurance pays the medical expenses for other drivers and their passengers after an accident where you’re at fault.
Property damage (PD) liability insurance covers the damages to other drivers’ vehicles after an accident where you’re at fault. |
| Collision | Collision insurance pays for damages to your vehicle from a collision with another vehicle or a road hazard. |
| Comprehensive | Comprehensive insurance pays for damages to your vehicle from animals or natural disasters. It also covers theft and vandalism. |
| Medical payments coverage (MedPay) | MedPay covers medical bills for you and your passengers after an accident. |
| Personal injury protection (PIP) | PIP also covers medical bills for you and your passengers after an accident. Additionally, PIP can cover lost wages. |
| Underinsured/uninsured motorist coverage (UM/UIM) | Uninsured/underinsured motorist coverage covers your property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers when you’re in an accident with a driver who is underinsured or doesn’t have any insurance. |
Cheap Car Insurance In Anderson: Our Take
On average, Anderson drivers pay about 2 percent more than the national average. However, if you know the right places to shop, it can help you get better deals. Looking at full- and minimum-coverage rates across for a variety of situations, we recommend American National, GEICO, Auto-Owners, and USAA for the cheapest Anderson auto insurance.
To find your cheapest rates in South Carolina, compare free quotes from different companies. We recommend getting at least three quotes each time you shop for insurance.
Cheapest Auto Insurance In Anderson: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Anderson:
How much is car insurance in Anderson?
According to our rate data, good drivers in Anderson pay about $57 per month or $684 per year for minimum-coverage insurance on average. Full-coverage insurance rates are around $152 per month or $1,825 per year.
Is car insurance higher in Anderson?
The average full-coverage insurance cost in Anderson is about $1,825 per year. This is about 13 percent lower than the South Carolina average of $2,062 and 18 percent lower than the national average of $2,216.
How much is car insurance in South Carolina per month?
The average cost of minimum-coverage car insurance in South Carolina is $65 per month or $782 per year. Full-coverage auto insurance is $172 per month or $2,062 per year.
What is the best car insurance company in South Carolina?
The best car insurance company in South Carolina is American National, receiving a score of
Our Review Process
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Insurance rate data was sourced from Quadrant Information Services and accurate at the time of publication.
*Read more about our methodology.
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