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Get Cheap Car Insurance in Hilton Head Island, SC
We monitor insurance prices, helping the average driver in Hilton Head Island save up to 29.7% on car insurance.
The Cheapest Minimum Coverage in Hilton Head Island
The chart below shows the cheapest car insurance company in Hilton Head Island for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Auto-Owners Insurance, and Safeco Insurance.
| Hilton Head Island Insurer | Monthly Cost |
|---|---|
| Geico | $56 |
| State Farm | $63 |
| Auto-Owners Insurance | $63 |
| Safeco Insurance | $69 |
Savings for Every Kind of Hilton Head Island Driver
Based on our extensive insurance data, we know the average Hilton Head Island driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $345 per year by choosing the right vehicle insurance company. Some Hilton Head Island residents are paying out over $1,573 extra every year for auto insurance in Hilton Head Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hilton Head Island, SC Savings / Yr. |
|---|---|
$345 |
|
$619 |
|
$523 |
|
$651 |
|
$1,274 |
|
$292 |
|
$379 |
Hilton Head Island Car Insurance vs. South Carolina
People living in Hilton Head Island pay an average of 3.43% less than the typical driver in the state. The average driver in Hilton Head Island can expect to pay about $925 per year, or $1,573 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Hilton Head Island for most people.
Car Insurance Prices by Hilton Head Island Neighborhood
Insurance Prices
Where is insurance cheapest within Hilton Head Island?
The map shows insurance prices in and around Hilton Head Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $339 per year within the city boundaries, with insurance premiums ranging from a high of $1,817 to a low of $1,478. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Hilton Head Island.Pick the Best Car Insurance Company for You in Hilton Head Island
The best car insurance provider for most drivers in Hilton Head Island
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $345 over the average Hilton Head Island car insurance company.
The best car insurance provider for Hilton Head Island drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $619 over the competition.
The best car insurance company for Hilton Head Island drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $523 better than other car insurance companies.
The best auto insurance for Hilton Head Island drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $651 less each year.
The least expensive car insurance company for new and young drivers in Hilton Head Island
In Hilton Head Island, Geico costs young drivers $1,274 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hilton Head Island
Geico gave the largest car insurance discounts to married couples, averaging $292 saved each year compared to an average Hilton Head Island couple's premiums.
The cheapest car insurance in Hilton Head Island for drivers with bad credit
The best Hilton Head Island car insurance company for customer service
Nationwide was the best company for customer service in Hilton Head Island according to the NAIC.
Recent price drops
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The cheapest large national provider in Hilton Head Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hilton Head Island driver can expect to pay about $110 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hilton Head Island, USAA has the best prices for drivers with speeding tickets, married couples, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Hilton Head Island
What Influences the Cost of Car Insurance in Hilton Head Island?
On average, car insurance in Hilton Head Island is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Hilton Head Island is 24 minutes, which is far less than average for a driver in the state.
- South Carolina state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hilton Head Island are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Hilton Head Island is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Hilton Head Island is $77 per month for minimum coverage and $131 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Brighton Beach: Insurance costs 1.34% more
- Daufuskie Island: Insurance costs 1.21% more
- Bluffton: Insurance costs 4.39% more
- Parris Island: Insurance costs 10.17% more
- Port Royal: Insurance costs 2.61% more
- Pritchardville: Insurance costs 0.89% less
- Okatie: Insurance costs 1.72% more
- Lands End: Insurance costs 0.64% less
- St. Helena Island: Insurance costs 4.96% more
- Limehouse: Insurance costs 5.34% more
Cities with Similar Populations
- Atlantic City: Insurance costs 34.08% more
- Woburn: Insurance costs 5.91% more
- Wheeling: Insurance costs 4.13% more
- Wenatchee: Insurance costs 12.33% less
- Villa Rica: Insurance costs 18.18% more
- Vicksburg: Insurance costs 11.06% more
- Summit: Insurance costs 15.07% more
- South Valley: Insurance costs 8.84% more
- Shrewsbury: Insurance costs 2.92% more
- Long Beach: Insurance costs 82.84% more