Hilton Head Island, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hilton Head Island, SC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Hilton Head Island, SC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Hilton Head Island, SC Auto Insurance Rates
- Hilton Head Island, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hilton Head Island, SC
- Multi Vehicle Insurance Savings in Hilton Head Island, SC
- How Credit Score Affects Car Insurance Rates in Hilton Head Island, SC
- How DUI Affects Auto Insurance Premiums in Hilton Head Island, SC
- Top Auto Insurance Agents Near Hilton Head Island, SC
- How Driving Violations Affect Auto Insurance Rates in Hilton Head Island, SC
- Hilton Head Island, SC Auto Insurance Discounts on Anti Theft Feature
- Hilton Head Island, SC Auto Insurance Company Reviews
Hilton Head Island, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hilton Head Island, SC with that of other cities in and around Hilton Head Island.
| Hilton Head Island | Bluffton | Tybee Island | Beaufort County | Shell Point | Tybee Island-Wilmington Island | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $965 | $999 | $1,996 | $1,586 | $1,449 | $1,753 |
Hilton Head Island, SC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Hilton Head Island, SC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Hilton Head Island | $2,583 | $2,182 |
| Bluffton | $1,321 | $1,116 |
| Port Royal | $1,617 | $1,366 |
| Beaufort County | $1,886 | $1,593 |
| Tybee Island | $2,006 | $1,695 |
| Shell Point | $1,010 | $853 |
| Tybee Island-Wilmington Island | $2,167 | $1,830 |
| St. Helena Island | $2,141 | $1,809 |
Hilton Head Island, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hilton Head Island, SC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,131 |
| 20 Years | $1,240 |
| 30 Years | $955 |
| 40 Years | $919 |
| 50 Years | $851 |
| 60 Years | $863 |
| 70 Years | $1,004 |
Hilton Head Island, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hilton Head Island, SC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,698 | $232 |
| 3 Vehicles | $2,548 | $347 |
| 4 Vehicles | $3,397 | $463 |
Savings on 2 Vehicles bundle:$232
Savings on 3 Vehicles bundle:$347
Savings on 4 Vehicles bundle:$463
Hilton Head Island, SC Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hilton Head Island, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hilton Head Island | $965 | $1,458 |
| Bluffton | $999 | $1,509 |
| Port Royal | $1,518 | $2,294 |
| Beaufort County | $1,586 | $2,396 |
| Tybee Island | $1,996 | $3,649 |
| Shell Point | $1,449 | $2,189 |
| Tybee Island-Wilmington Island | $1,753 | $3,205 |
| St. Helena Island | $1,538 | $2,324 |
Hilton Head Island, SC Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $828 |
| Excellent (740-799) | $945 |
| Good (670-739) | $1,006 |
| Average (580-669) | $1,312 |
| Poor (300-579) | $1,574 |
Hilton Head Island, SC Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| South Point Group Inc | Travelers | 73 BOUNDARY ST, BLUFFTON, 29910 | 843-757-4847 |
| Ra Dextraze & Associates | None | 14 New Orleans Rd 14 New Orleans Rd , Hilton Head Island, 29928 | None |
| Ra Dextraze & Associates | None | 14 New Orleans Rd 14 New Orleans Rd , Hilton Head Island, 29928 | None |
| Avex Insurance | None | 213 William Hilton Parkway Ste 22775 , Hilton Head Island, 29926 | None |
| Beacon Insurance Group Inc | Liberty Mutual Independent | 60 PENNINGTON DRIVE, BLUFFTON, 29910 | 843-706-3690 |
Hilton Head Island, SC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$42 | $1,007 |
| Driver's Failure In Showing Documents | +$94 | $1,059 |
| Driving With An Expired Registration | +$99 | $1,064 |
| Driving At A Considerably Slow Pace | +$209 | $1,174 |
| Using A Cellphone While Driving | +$221 | $1,186 |
| Running A Red Light | +$225 | $1,190 |
| Speeding | +$236 | $1,201 |
| Driving A Vehicle Without The Required Permission | +$300 | $1,265 |
| Driving With An Expired/Suspended License | +$650 | $1,615 |
Hilton Head Island, SC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $926 |
| Active Disabling Device | $926 |
| Tracking Device | $907 |
| Passive Disabling Device | $897 |
Latest Auto Insurance Reviews in Hilton Head Island, SC | Back to Top
ProgressivePremium and deductible are on the cheaper end of the spectrum with Progressive. The only cheaper one off the top of my head is Geico and not by much if at all plus that gecko freaks me out, get lost.
State FarmI have never had a problem with State Farm. I have always trusted them with all my insurance needs. Like a good neighbor.
State FarmThey offer discounts for good driving and bundling if you get other insurance policies through them. Other companies I asked about did not offer the same things and definitely not for the same price.
State FarmWithout giving out my personal information, I can say that my premium and deductible is all very easy to manage. Once again, I have nothing at all negative to say. Same as my home insurance.
AllstateIt is cheap because I drive a Honda accord and rarely get into accidents. The premiums and deductible are fair. I am satisfied with the cost and I rarely ever look elsewhere because I am content.
State FarmI would recommend state farm for auto insurance. They have great customer service and it was easy to set up and transfer insurance to different cars when I changed a car in the past.