Newberry, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Newberry, 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.
Car insurance savings in Newberry, SC, vary by as much as $1658
A recent Zimlon study on car insurance prices in Newberry, South Carolina, reveals that drivers can save between $526 and $1,658 depending on their insurance provider. This study calculates the potential savings on the basis of the difference between the cheapest and median prices. The largest difference of $1,658 is observed for single male drivers under the age of 25 years, whereas the least difference of $526 is reported for married female drivers aged between 25 and 65 years.
Car insurance premiums are determined by the car model, coverage limit, deductible value, and driver background. An insurance holder in the city who participated in a Zimlon survey states “I have the minimum level for coverage required by my state.” The limits and deductible values differ by insurance agreement and preferences for the same depend on various factors.
The following values are considered as reference points for the study: a driving record of no violation, one fault accident, or one speeding ticket; credit ratings ranging between average and good; a bodily injury per accident limit of $10,000, $30,000, or $$60,000; a bodily injury per person limit of $10,000, $30,000, or $50,000; and a property damage limit of $10,000, $25,000, or $50,000. This research focuses on vehicles exclusively used to travel to and from work.
The Zimlon analysis also shows that for the driver cohort with the highest potential savings, United Services Automobile Association offers the cheapest premium at $897. General Automobile Insurance Company offers the median rate at $2,555. The second-highest potential saving of $1,418 is reported for married male drivers under the age of 25 years. For this category as well, United offers the cheapest rate at $589. Owners Insurance offers the median rate at $2,007.
Married female drivers aged between 25 and 65 years report the lowest potential savings. For this cohort, United Services Automobile Association offers the cheapest price of $245 and Travelers Property Casualty Insurance quotes the median price of $771.
Further, among the eight driver cohorts analyzed, United Services Automobile Association offers the cheapest rate to seven and LM Insurance Corporation offers the most expensive premium to four driver segments.
The following chart compares car insurance prices across key companies in Newberry, SC:
The table below lists the names of companies offering the cheapest and most expensive premiums for each driver cohort as well as the median prices and potential savings.
| Cohort | Cheapest Car Insurance Companies in Newberry, SC | Second Cheapest Car Insurance Companies in Newberry, SC | Car Insurance Companies Offering Median Premiums in Newberry, SC | Second Most Expensive Car Insurance Companies in Newberry, SC | Most Expensive Car Insurance Companies in Newberry, SC | Difference between Cheapest and Median Prices | Difference in Price between Most Expensive and Median Prices |
|---|---|---|---|---|---|---|---|
| Single male drivers under the age of 25 years | United Services Automobile Association ($897) | USAA Casualty Insurance Company ($1,011) | General Automobile Insurance Company Inc. ($2,555) | LM General Insurance Company ($6,336) | Esurance Insurance Company ($8,236) | $1,658 | $5,681 |
| Married male drivers under the age of 25 years | United Services Automobile Association ($589) | USAA Casualty Insurance Company ($662) | Owners Insurance Company ($2,007) | Progressive Northern Insurance Company ($6,041) | Unitrin Auto And Home Insurance Company ($7,214) | $1,418 | $5,207 |
| Single female drivers under the age of 25 years | Metropolitan Direct Property and Casualty Insurance Company ($768) | United Services Automobile Association ($787) | Garrison Property and Casualty Insurance Company ($2,102) | Unitrin Auto And Home Insurance Company ($6,398) | LM Insurance Corporation ($7,020) | $1,334 | $4,918 |
| Married female drivers under the age of 25 years | United Services Automobile Association ($523) | USAA Casualty Insurance Company ($700) | GEICO Indemnity Company ($1,715) | Amica Mutual Insurance Company ($4,342) | LM Insurance Corporation ($6,670) | $1,192 | $4,955 |
| Single male drivers aged between 25 and 65 years | United Services Automobile Association ($272) | Government Employees Insurance Company ($352) | Auto-Owners Insurance Company ($841) | Owners Insurance Company ($1,720) | Esurance Insurance Company ($2,734) | $569 | $1,893 |
| Single female drivers aged between 25 and 65 years | United Services Automobile Association ($271) | Auto-Owners Insurance Company ($347) | Unitrin Auto And Home Insurance Company ($836) | First National Insurance Company of America ($1,852) | Esurance Insurance Company ($2,774) | $565 | $1,938 |
| Married male drivers aged between 25 and 65 years | United Services Automobile Association ($240) | Government Employees Insurance Company ($325) | Auto-Owners Insurance Company ($792) | State Farm Fire and Casualty Company ($1,799) | LM Insurance Corporation ($2,519) | $552 | $1,727 |
| Married female drivers aged between 25 and 65 years | United Services Automobile Association ($245) | Government Employees Insurance Company ($259) | Travelers Property Casualty Insurance Company ($771) | Esurance Insurance Company ($2,358) | LM Insurance Corporation ($2,518) | $526 | $1,747 |
Factors that can influence the cost of car insurance in Newberry, 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.
- Newberry, SC Auto Insurance Rates
- Newberry, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Newberry, SC
- Multi Vehicle Insurance Savings in Newberry, SC
- How Credit Score Affects Car Insurance Rates in Newberry, SC
- How DUI Affects Auto Insurance Premiums in Newberry, SC
- Top Auto Insurance Agents Near Newberry, SC
- How Driving Violations Affect Auto Insurance Rates in Newberry, SC
- Newberry, SC Auto Insurance Discounts on Anti Theft Feature
Newberry, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Newberry, SC with that of other cities in and around Newberry.
| Newberry | Pomaria | North Saluda | Chappells | Silverstreet | Whitmire | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,391 | $1,408 | $1,409 | $1,442 | $1,421 | $1,365 |
Newberry, 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 Newberry, 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) |
|---|---|---|
| Newberry | $1,911 | $1,614 |
| Newberry County | $1,467 | $1,239 |
| Silverstreet | $1,469 | $1,241 |
| Chappells | $1,668 | $1,409 |
| Whitmire | $1,512 | $1,277 |
| Pomaria | $1,965 | $1,660 |
| North Saluda | $1,449 | $1,224 |
| Prosperity | $1,681 | $1,420 |
Newberry, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Newberry, 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 | $4,514 |
| 20 Years | $1,787 |
| 30 Years | $1,377 |
| 40 Years | $1,325 |
| 50 Years | $1,227 |
| 60 Years | $1,244 |
| 70 Years | $1,448 |
Newberry, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Newberry, 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 | $2,365 | $417 |
| 3 Vehicles | $3,547 | $626 |
| 4 Vehicles | $4,729 | $835 |
Savings on 2 Vehicles bundle:$417
Savings on 3 Vehicles bundle:$626
Savings on 4 Vehicles bundle:$835
Newberry, 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 Newberry, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Newberry | $1,391 | $2,102 |
| Newberry County | $1,408 | $2,127 |
| Silverstreet | $1,421 | $2,147 |
| Chappells | $1,442 | $2,179 |
| Whitmire | $1,365 | $2,062 |
| Pomaria | $1,408 | $2,127 |
| North Saluda | $1,409 | $2,129 |
| Prosperity | $1,467 | $2,217 |
Newberry, 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) | $1,193 |
| Excellent (740-799) | $1,362 |
| Good (670-739) | $1,449 |
| Average (580-669) | $1,891 |
| Poor (300-579) | $2,269 |
Newberry, 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 |
|---|---|---|---|
| Eric Zingmark | Allstate | 2712 Main St, Newberry, 29108 | (803) 276-8167 |
| Laurie Grooms | Allstate | 220 Columbia Ave, Chapin, 29036 | (803) 932-1001 |
| Summer Ins Agency | Allstate | 2620 Main St, Newberry, 29108 | (803) 276-8500 |
| Morgan & Associates Inc. | Nationwide | 1254 Chapin Rd., Chapin, 29036 | (803) 345-3452 |
| Statewide Insurance Group | Liberty Mutual Independent | 300 AMICKS FERRY RD, CHAPIN, 29036 | 803-345-1350 |
| Christopher Desanty | Liberty Mutual | 131 Harbison Blvd Suite 170, Columbia, 29212 | 1-803-749-4064 |
| Ashley Harpe | Allstate | 1004 W Georgia Rd Ste A, Simpsonville, 29680 | (864) 202-4658 |
| Farmers Mutual Insurance Agency Inc | Travelers | 749 WILSON RD, NEWBERRY, 29108 | 803-276-1814 |
| Galloway & Company Inc. | Nationwide | 702 NE Main St, Simpsonville, 29681 | (864) 963-8061 |
Newberry, 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 | +$61 | $1,452 |
| Driver's Failure In Showing Documents | +$135 | $1,526 |
| Driving With An Expired Registration | +$143 | $1,534 |
| Driving At A Considerably Slow Pace | +$302 | $1,693 |
| Using A Cellphone While Driving | +$319 | $1,710 |
| Running A Red Light | +$324 | $1,715 |
| Speeding | +$341 | $1,732 |
| Driving A Vehicle Without The Required Permission | +$433 | $1,824 |
| Driving With An Expired/Suspended License | +$938 | $2,329 |
Newberry, 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 | $1,335 |
| Active Disabling Device | $1,335 |
| Tracking Device | $1,308 |
| Passive Disabling Device | $1,294 |