Kershaw County Auto Insurance Rates, Quotes, Agents & Reviews in SC

Kershaw County, SC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Kershaw County, 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.

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Cost of Car Insurance in Kershaw County, SC

Auto insurance is a product purchased to protect oneself, one's family, and one's assets from the potential financial losses that can result from owning and operating a vehicle. There are a number of risks that are covered by auto insurance, including theft, vandalism, accidents, and damage from weather events. Car insurance can provide peace of mind in knowing that one is protected from these potential financial losses. Depending on the driver's needs, auto insurance firms offer a variety of auto insurance packages. These plans come with a wide range of costs and coverages from company to company. Follow the guidelines below if you're looking for the cheapest car insurance in Kershaw County, South Carolina.

1. Choose a high deductible

If you choose a high deductible, your car insurance costs will be lower. This is because you will be responsible for paying more out-of-pocket costs if you have an accident, and the insurance company will have to pay less. Therefore, they will charge you less for your premium. For instance, if your insurance has a $1,000 deductible and your motor accident costs $7,000 to fix, you are responsible for the first $1,000 while your insurer will pay the remaining amounts.

For example, in Kershaw County, South Carolina, drivers who choose a high deductible of $1,000 pay a premium of $1,241, whereas drivers who choose a deductible of $500 pay a premium of $1,469.

2. Maintain a high credit score

A high credit score indicates to insurers that you're a responsible borrower and are less likely to default on your payments. As a result, you may be able to get a lower interest rate on your car insurance policy. For example, in Kershaw County, SC, automobile owners with exceptional credit score pay $1,225, while those with bad or poor credit must pay $2,329 for their auto insurance in Kershaw County, SC. As a result, car owners must have a decent credit score to qualify for lower auto insurance rates in Kershaw County, South Carolina.


3. Driving Violations

Driving violations usually result in increased car insurance costs. Insurance companies typically use a driver's violation record as one factor in determining premium rates. Generally, the more severe the violation, the greater the impact on rates. For example, speeding is one driving violation affecting your car insurance cost. The faster you drive, the more you risk indulging in an accident. The more accidents you have, your car insurance will be more expensive. If you want to keep your car insurance costs down, avoid speeding. For instance, on average, Kershaw County, South Carolina, charges $1,428 for auto insurance. Owners of cars with a history of speeding must pay an additional $350, which makes it $1,778. Therefore, your insurance will cost more if you have a speeding ticket. 

Factors that can influence the cost of car insurance in Kershaw County, 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.

Kershaw County, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Kershaw County, SC with that of other cities in and around Kershaw County.

Kershaw County Camden Northeast Elgin Boykin Westville Lugoff
Average Insurance Rates $1,428 $1,383 $1,444 $1,421 $1,460 $1,444

Kershaw County, 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 Kershaw County, 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)
Kershaw County $1,469 $1,241
Camden Northeast $1,606 $1,356
Camden $1,502 $1,268
Lugoff $1,674 $1,414
Westville $1,698 $1,435
Boykin $1,698 $1,435
Elgin $1,007 $851
Mount Pisgah $1,437 $1,214

Kershaw County, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Kershaw County, 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 $4,634
20 Years $1,835
30 Years $1,413
40 Years $1,360
50 Years $1,259
60 Years $1,277
70 Years $1,486

Kershaw County, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Kershaw County, 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 $2,428 $428
3 Vehicles $3,641 $643
4 Vehicles $4,855 $857

Savings on 2 Vehicles bundle:$428

Savings on 3 Vehicles bundle:$643

Savings on 4 Vehicles bundle:$857

Kershaw County, 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 Kershaw County, SC.

Location Average Insurance Cost Post DUI Insurance Rate
Kershaw County $1,428 $2,158
Camden Northeast $1,383 $2,090
Camden $1,433 $2,165
Lugoff $1,444 $2,182
Westville $1,460 $2,206
Boykin $1,421 $2,147
Elgin $1,444 $2,182
Mount Pisgah $1,382 $2,088

Kershaw County, 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) $1,225
Excellent (740-799) $1,399
Good (670-739) $1,488
Average (580-669) $1,941
Poor (300-579) $2,329

Kershaw County, 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
Kyle Cassidy Allstate 610 Highway 1 S Ste C, Lugoff, 29078 (803) 438-2900
Lawrence C Farley Agency Nationwide 798 Hwy 1 South, Lugoff, 29078-9176 (803) 438-7200
Dennis Arledge Allstate 2439 Main St, Elgin, 29045 (803) 408-0004
Huckaby & Associates Travelers 410 EVELYN DR, COLUMBIA, 29210 803-772-3773
Kennedy Insurance Agency Travelers 501 Rutledge St, Camden, 29020 None
Chris Spearman State Farm 7001 Saint Andrews Rd Ste A16, Columbia, 29212-1137 803-732-3800
K. Brian Parks Liberty Mutual 131 Harbison Blvd Suite 170, Columbia, 29212 1-803-749-4064

Kershaw County, 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 +$63 $1,491
Driver's Failure In Showing Documents +$139 $1,567
Driving With An Expired Registration +$147 $1,575
Driving At A Considerably Slow Pace +$310 $1,738
Using A Cellphone While Driving +$327 $1,755
Running A Red Light +$333 $1,761
Speeding +$350 $1,778
Driving A Vehicle Without The Required Permission +$444 $1,872
Driving With An Expired/Suspended License +$962 $2,390

Kershaw County, 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 $1,371
Active Disabling Device $1,371
Tracking Device $1,342
Passive Disabling Device $1,328