Car Insurance in Mount Pleasant
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Car Insurance in Mount Pleasant, SC
About 90,000 people call Mount Pleasant, South Carolina, home, making it the fourth-biggest city in the Palmetto State. It’s well known for its upscale neighborhoods and gorgeous waterfront areas, and understanding car insurance costs in Mount Pleasant can take a lot of the worry out of navigating its serene (but busy!) roads.
Driving in Mount Pleasant is the best way to experience the mix of natural beauty and urban amenities, from boating on the Cooper River to taking the kids to one of its many parks and playgrounds. Comprehensive car coverage in Mount Pleasant removes the worry of getting around.
Whether commuting across the bridge to Charleston or checking out Shem Creek’s historic docks, your zip code, age, and the kind of car you drive can affect your insurance rates. It’s best to compare car insurance quotes in Mount Pleasant to know you’re getting the best coverage at competitive prices.
How much is car insurance in Mount Pleasant, SC?
Car insurance premiums in Mount Pleasant can vary depending on the type of coverage and personal factors such as your driving history. For a basic reference, here are the average costs for the three most popular types of coverage in Mount Pleasant:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Mount Pleasant?
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Cr-V | $157 |
| 2 | Subaru Forester | $158 |
| 3 | Dodge Grand Caravan | $162 |
| 4 | Kia Sedona | $163 |
| 5 | Toyota Rav4 | $165 |
| 6 | Honda Odyssey | $165 |
| 7 | Kia Sol | $167 |
| 8 | Toyota Corolla | $167 |
| 9 | Ford Escape | $168 |
| 10 | Ford F-150 | $168 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving record in Mount Pleasant directly impacts your insurance premiums. From small accidents to more serious offenses like a DUI, each incident will increase your insurance cost. Below is a breakdown of how various claims and violations affect your rates in Mount Pleasant, ranked by severity:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $165 | +0% |
| Not at-fault Accident | $177 | +7% |
| Driving with expired registration | $212 | +28% |
| Speeding Ticket | $215 | +30% |
| At-fault Accident | $231 | +40% |
| DUI | $254 | +54% |
| Driving with a suspended license | $269 | +63% |
| Hit and Run | $280 | +70% |
What car insurance discounts can I get in Mount Pleasant?
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $147 | +$18 |
| Paid in Full | $152 | +$13 |
| Multi-Policy Renters | $158 | +$7 |
| Low Mileage | $160 | +$5 |
| Paperless | $160 | +$5 |
| Electronic Funds Transfer | $162 | +$3 |
| Renewal discount | $164 | +$1 |
| None | $165 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.