Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in St. Helena Island, SC
We monitor insurance prices, helping the average driver in St. Helena Island save up to 29.7% on car insurance.
The Cheapest Minimum Coverage in St. Helena Island
The chart below shows the cheapest car insurance company in St. Helena 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.
| St. Helena Island Insurer | Monthly Cost |
|---|---|
| Geico | $58 |
| State Farm | $66 |
| Auto-Owners Insurance | $66 |
| Safeco Insurance | $72 |
Savings for Every Kind of St. Helena Island Driver
Based on our extensive insurance data, we know the average St. Helena 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 $362 per year by choosing the right vehicle insurance company. Some St. Helena Island residents are paying out over $1,651 extra every year for auto insurance in St. Helena Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
St. Helena Island, SC Savings / Yr. |
|---|---|
$362 |
|
$650 |
|
$549 |
|
$683 |
|
$1,337 |
|
$306 |
|
$397 |
St. Helena Island Car Insurance vs. South Carolina
People living in St. Helena Island pay an average of 1.33% more than the typical driver in the state. The average driver in St. Helena Island can expect to pay about $971 per year, or $1,651 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in St. Helena Island for most people.
Car Insurance Prices by St. Helena Island Neighborhood
Insurance Prices
Where is insurance cheapest within St. Helena Island?
The map shows insurance prices in and around St. Helena Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $216 per year within the city boundaries, with insurance premiums ranging from a high of $1,733 to a low of $1,517. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the South parts of St. Helena Island.Pick the Best Car Insurance Company for You in St. Helena Island
The best car insurance provider for most drivers in St. Helena Island
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $362 over the average St. Helena Island car insurance company.
The best car insurance provider for St. Helena 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 $650 over the competition.
The best car insurance company for St. Helena Island drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $549 better than other car insurance companies.
The best auto insurance for St. Helena Island drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $683 less each year.
The least expensive car insurance company for new and young drivers in St. Helena Island
In St. Helena Island, Geico costs young drivers $1,337 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in St. Helena Island
Geico gave the largest car insurance discounts to married couples, averaging $306 saved each year compared to an average St. Helena Island couple's premiums.
The cheapest car insurance in St. Helena Island for drivers with bad credit
The best St. Helena Island car insurance company for customer service
Nationwide was the best company for customer service in St. Helena Island according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in St. Helena Island, which was better than other insurers.
The cheapest large national provider in St. Helena Island
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average St. Helena 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 St. Helena 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 St. Helena Island
What Influences the Cost of Car Insurance in St. Helena Island?
On average, car insurance in St. Helena Island is more expensive than the rest of the state. These high 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 St. Helena Island is 36 minutes, which is about the national 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 St. Helena 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.
- St. Helena Island is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in St. Helena Island is $81 per month for minimum coverage and $138 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
- Lands End: Insurance costs 5.33% less
- Parris Island: Insurance costs 4.97% more
- Ladys Island: Insurance costs 2.24% less
- Port Royal: Insurance costs 2.24% less
- Beaufort: Insurance costs 0.06% more
- Burton: Insurance costs 0.85% less
- Laurel Bay: Insurance costs 0.12% more
- Edisto Beach: Insurance costs 1.64% less
- Hilton Head Island: Insurance costs 4.72% less
- Nevadun: Insurance costs 2.54% more
Cities with Similar Populations
- Berwick: Insurance costs 43.67% less
- Wellsville: Insurance costs 23.99% more
- Wellsville: Insurance costs 33.19% less
- Browning: Insurance costs 1.82% more
- Brookville: Insurance costs 26.17% less
- Brooklet: Insurance costs 2.18% more
- Brewerton: Insurance costs 27.20% more
- Booneville: Insurance costs 0.61% more
- Bonsall: Insurance costs 17.50% more
- Bloomingdale: Insurance costs 5.51% more