Bluffton, SC Auto Insurance (2024)
The average Bluffton, SC auto insurance rates are $297 per month. The minimum auto insurance in Bluffton is at least 25/50/25 in coverage to comply with South Carolina auto insurance laws. To find the best cheap auto insurance in Bluffton, South Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Bluffton is 25.8 minutes
- The most expensive auto insurance company in Bluffton for teen drivers is Progressive
- Average auto insurance rates in Bluffton, SC for senior drivers are $2,094 per year
Bluffton, South Carolina auto insurance requirements are 25/50/25 according to South Carolina auto insurance laws. Finding cheap auto insurance in Bluffton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Bluffton, South Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Bluffton to other South Carolina cities, including Sumter auto insurance rates, Charleston auto insurance rates, and Hilton Head Island auto insurance rates to see how Bluffton, South Carolina auto insurance rates stack up.
Before you buy Bluffton, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Bluffton, South Carolina auto insurance quotes.
Minimum Auto Insurance in Bluffton, South Carolina
Bluffton, South Carolina auto insurance laws require that you have at least the South Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Bluffton, South Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Bluffton, South Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Bluffton, South Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,618 | $2,618 | $2,509 | $2,509 | $6,752 | $8,596 | $2,901 | $3,153 |
| Farmers | $2,761 | $2,765 | $2,669 | $2,860 | $7,648 | $8,376 | $3,031 | $3,055 |
| Geico | $2,219 | $2,219 | $2,023 | $2,023 | $5,560 | $5,678 | $2,602 | $2,676 |
| Nationwide | $2,455 | $2,480 | $2,218 | $2,291 | $6,102 | $7,808 | $2,789 | $3,023 |
| Progressive | $2,121 | $1,950 | $1,835 | $1,921 | $9,096 | $10,030 | $2,444 | $2,544 |
| State Farm | $1,799 | $1,799 | $1,640 | $1,640 | $5,272 | $6,616 | $2,021 | $2,272 |
| USAA | $1,723 | $1,726 | $1,587 | $1,586 | $6,932 | $7,581 | $2,266 | $2,382 |
Cheap Bluffton, South Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Bluffton, South Carolina is a challenge. Take a look at the annual teen auto insurance rates in Bluffton, South Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,752 | $8,596 |
| Farmers | $7,648 | $8,376 |
| Geico | $5,560 | $5,678 |
| Nationwide | $6,102 | $7,808 |
| Progressive | $9,096 | $10,030 |
| State Farm | $5,272 | $6,616 |
| USAA | $6,932 | $7,581 |
Cheap Bluffton, South Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Bluffton, South Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,509 | $2,509 |
| Farmers | $2,669 | $2,860 |
| Geico | $2,023 | $2,023 |
| Nationwide | $2,218 | $2,291 |
| Progressive | $1,835 | $1,921 |
| State Farm | $1,640 | $1,640 |
| USAA | $1,587 | $1,586 |
Cheap Bluffton, South Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Bluffton, South Carolina compared to the annual auto insurance rates with a clean record in Bluffton, South Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,973 | $4,743 | $4,172 | $3,940 |
| Farmers | $3,460 | $4,803 | $3,982 | $4,338 |
| Geico | $2,395 | $3,083 | $4,627 | $2,395 |
| Nationwide | $2,921 | $3,747 | $4,708 | $3,206 |
| Progressive | $3,264 | $4,778 | $3,994 | $3,934 |
| State Farm | $2,609 | $3,216 | $2,852 | $2,852 |
| USAA | $2,547 | $3,146 | $4,343 | $2,855 |
Cheap Bluffton, South Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Bluffton, South Carolina is not easy. Compare the annual rates for DUI auto insurance in Bluffton, South Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,172 |
| Farmers | $3,982 |
| Geico | $4,627 |
| Nationwide | $4,708 |
| Progressive | $3,994 |
| State Farm | $2,852 |
| USAA | $4,343 |
Cheap Bluffton, South Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Bluffton, South Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,988 | $3,731 | $3,152 |
| Farmers | $4,714 | $4,029 | $3,694 |
| Geico | $4,766 | $2,564 | $2,045 |
| Nationwide | $4,323 | $3,525 | $3,088 |
| Progressive | $4,423 | $3,902 | $3,652 |
| State Farm | $4,130 | $2,527 | $1,990 |
| USAA | $5,012 | $2,481 | $2,175 |
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Cheap Bluffton, South Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Bluffton, South Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Bluffton, South Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 29909 | $3,285 |
| 29910 | $3,339 |
Cheap Bluffton, South Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Bluffton, South Carolina auto insurance. Find the cheapest annual Bluffton, South Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,873 | $4,041 |
| Farmers | $4,146 | $4,146 |
| Geico | $3,106 | $3,144 |
| Nationwide | $3,646 | $3,646 |
| Progressive | $3,993 | $3,993 |
| State Farm | $2,810 | $2,955 |
| USAA | $3,189 | $3,257 |
Cheap Bluffton, South Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Bluffton, South Carolina? Check out the comparison of annual Bluffton, South Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,702 | $3,936 | $4,232 |
| Farmers | $3,704 | $4,146 | $4,587 |
| Geico | $2,921 | $3,096 | $3,358 |
| Nationwide | $3,581 | $3,651 | $3,704 |
| Progressive | $3,689 | $3,942 | $4,346 |
| State Farm | $2,655 | $2,881 | $3,110 |
| USAA | $3,043 | $3,219 | $3,407 |
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Best By Category: Cheapest Auto Insurance in Bluffton, South Carolina
Compare the cheapest auto insurance companies in Bluffton, South Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Bluffton, South Carolina Auto Insurance Companies
What auto insurance companies in Bluffton, South Carolina are the cheapest? Compare the top Bluffton, South Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,957 |
| Farmers | $4,146 |
| Geico | $3,125 |
| Nationwide | $3,646 |
| Progressive | $3,993 |
| State Farm | $2,882 |
| USAA | $3,223 |
What affects auto insurance rates in Bluffton, South Carolina?
There are a lot of reasons why auto insurance rates in Bluffton, South Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Bluffton, South Carolina. Many local factors may affect your Bluffton auto insurance rates.
Bluffton Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bluffton, South Carolina commute length is 25.8 minutes according to City-Data.
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Compare Bluffton, South Carolina Auto Insurance Quotes
Before you buy Bluffton, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Bluffton, South Carolina auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for drivers in the event of an accident, theft, or damage to their vehicle. It typically includes liability coverage, which pays for damages and injuries caused to others, as well as coverage for the insured driver’s vehicle.
Is auto insurance mandatory in Bluffton, SC?
Yes, auto insurance is mandatory in Bluffton, SC, as it is in most states. South Carolina law requires all drivers to carry a minimum amount of auto insurance coverage to legally operate a vehicle on the roads.
What are the minimum auto insurance requirements in Bluffton, SC?
In Bluffton, SC, drivers must carry at least the following minimum amounts of auto insurance coverage:
- $25,000 per person and $50,000 per accident for bodily injury liability.
- $25,000 for property damage liability.
- $25,000 per person and $50,000 per accident for uninsured motorist coverage.
- $25,000 per person and $50,000 per accident for underinsured motorist coverage.
Can I purchase additional coverage beyond the minimum requirements?
Yes, you can purchase additional coverage beyond the minimum requirements. It’s often recommended to consider purchasing higher liability limits, comprehensive and collision coverage, medical payments coverage, and other optional coverages to enhance your financial protection in case of an accident or other incidents.
How are auto insurance rates determined in Bluffton, SC?
Auto insurance rates in Bluffton, SC, are determined by several factors, including your driving record, age, gender, type of vehicle, coverage limits, deductible amounts, and the insurance company you choose. Insurance providers also consider local factors such as the frequency of accidents and thefts in the area.
Are there any discounts available for auto insurance in Bluffton, SC?
Yes, many insurance companies offer various discounts that can help you save on your auto insurance premiums in Bluffton, SC. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for having certain safety features on your vehicle. It’s best to check with different insurers to see which discounts they offer.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.