policy costs about $159 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Aiken drivers pay 7% less than the

South Carolina

average.

To find the best

car insurance

rate in Aiken, South Carolina, the best thing to do is to

shop around

and compare quotes from multiple insurers to find the cheapest rate for the coverage you need.

Jerry

Insurance Agency takes pride in providing thousands of South Carolina drivers with a fast and seamless insurance shopping experience—including cross-company quote comparisons.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 27, 2023	State Auto	$130	Isaiah, 51 Zip: 29803	Mitsubishi Mirage G4 ES	• State Minimum Liability • Comp / Collision
September 24, 2023	Safeco	$204	Ivan, 27 Zip: 29803	Chevrolet Traverse LT	• State Minimum Liability • Comp / Collision
September 23, 2023	Nationwide	$168	Lizzie, 38 Zip: 29803	Honda Civic EX	• 100,000/300,000 Liability • Comp / Collision
September 23, 2023	Allstate	$120	Katherine, 31 Zip: 29805	Buick Lesabre Custom	• State Minimum Liability
September 14, 2023	Progressive	$72	Lucile, 59 Zip: 29801	Toyota 4runner SR5	• State Minimum Liability

Last Updated Sep 27, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best car insurance companies in Aiken

Wouldn’t it be nice if you could window shop for car insurance? Luckily, you can! Because there’s no one-size-fits-all insurer for every driver, shopping around and finding the best insurance company can help you save on insurance. Aside from the cost, you also want an insurer with a good reputation for other factors, such as claims handling and customer service.

To uncover the truth about insurance shopping in the Palmetto State—and the nation—Jerry administered the largest insurance shopping survey in the United States.

While State Farm is one of the biggest insurers across the country, policyholders in South Carolina aren’t so impressed. They gave State Farm just 3.2/5 for price and gave an overall rating of 3.6/5. On the other hand, customers rated Auto Owners, State Auto, ROOT, and Travelers highly, giving them high marks for price, customer service, claims process, and overall satisfaction.

Here’s how Aiken drivers ranked different insurance providers on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.4	4	4.2	4.3
Geico	4	3	4	4.3
State Farm	3.9	3.4	3.2	3.9
USAA	3.8	3.5	N/A	4
Liberty Mutual	3.5	2.7	N/A	3.3

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Aiken

If you’re planning to drive in Aiken, South Carolina, you’ll need car insurance that meets the state-mandated limits. Opting for minimum coverage not only helps you comply with the law, but it also offers the cheapest monthly payments.

Although drivers are only required to carry minimum liability coverage, it’s often insufficient. Purchasing a full coverage policy provides greater financial protection by helping to cover costs associated with an accident, whether at fault or not.

Cheap minimum liability insurance quotes in Aiken

To legally drive in South Carolina, you must have a car insurance policy that complies with the state’s minimum liability and

uninsured motorist coverage

South Carolina insurance follows a 25/50/25 rule for minimum liability coverage. Drivers in South Carolina must have a minimum of:

$25,000 of

bodily injury liability

per person

$50,000 of bodily injury liability per accident

$25,000 of

property damage liability

per accident

Uninsured motorist coverage at equal rates

Meeting the minimum liability insurance coverage in South Carolina can help keep your monthly payments low—but if you’re at fault in an accident that causes injury or property damage while driving, it might not be enough.

Jerry has helped lots of South Carolina drivers fulfill the state’s minimum car insurance requirements.

Progressive

Lucile (59 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Toyota 4runner SR5

$72

per month

Safeco

Ethan (41 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Lincoln Navigator

$72

per month

Allstate

Katherine (31 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29805)

Buick Lesabre Custom

$120

per month

Safeco

Logan (37 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29803)

Chevrolet Malibu LS

$159

per month

National General

Owen (34 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29803)

Mazda 3 i

$106

per month

Do you need more than minimum coverage in Aiken?

South Carolina’s 25/50/25 minimum car insurance requirements are reasonable. Whether you opt for higher liability limits or purchase full coverage insurance, most drivers require extra protection.

South Carolina is an at-fault state, so in the event of an accident, you could be responsible for vehicle repairs and medical expenses well beyond your minimum coverage. Serious injuries to another person or extreme vehicle damage can incur costs of $50,000 or more—and you’ll be on the hook for paying anything over your policy limits.

On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you’ll have to pay for your own medical expenses and vehicle damage.

The bottom line: Upgrading your policy limits is the way to go. Look into full coverage or opt for 50/100/50 or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Aiken

When it comes to repairing or replacing your vehicle after an accident, full coverage car insurance is the only way to ensure financial protection.

Comprehensive

and

collision coverage

make up a full coverage car insurance policy.

Collision coverage takes care of the repair or replacement expenses if your vehicle is damaged from an accident with another vehicle or stationary object

Comprehensive coverage helps cover the cost of repair or replacement if your vehicle is stolen or damaged due to non-collision incidents.

If you lease or finance your vehicle, your lender will likely require you to have collision and/or comprehensive.

South Carolina driving laws also required uninsured motorist coverage equal to the minimum amount of liability coverage (25/50/25).

Drivers in Aiken have found affordable full-coverage insurance policies with Jerry.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$148	Erik, 26 Zip: 29801	Jeep Compass Sport
• 100,000/300,000 Liability • Comp / Collision	Travelers	$127	Alma, 38 Zip: 29803	Honda Civic EX
• State Minimum Liability • Comp / Collision	Safeco	$204	Caroline, 27 Zip: 29803	Chevrolet Traverse LT

Last Updated Oct 2, 2023

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed

insurance broker

like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Aiken

After analyzing scores of insurance providers in Aiken, we have discovered that the average price for minimum liability coverage amounts to be $159 per month or $1,914 per year. Additionally, residents of Aiken can expect to pay an average of $148 per month or $1,770 per year for full coverage insurance.

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Aiken by zip code

The cost of car insurance in Aiken can greatly differ depending on your specific zip code. Each individual zip code within Aiken has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
29801	$98	$226
29803	$126	$211
29805	$94	$187
29842	$133	$159

Compare car insurance costs in other states

Georgia car insurance

North Carolina car insurance

Virginia car insurance

Kentucky car insurance

Tennessee car insurance

West Virginia car insurance

Alabama car insurance

District Of Columbia car insurance

Car insurance quotes in Aiken by rating factors

Insurance companies in Aiken use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Aiken?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): South Carolina currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Aiken:

Cheap car insurance quotes in Aiken after driving violations

Your

South Carolina driving record

plays a huge part in your insurance rate. Insurance providers use your history of violations and accidents to depict your level of riskiness. High-risk drivers with more serious infractions typically face the highest rates.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Driving without insurance

Cheapest car insurance in Aiken after speeding ticket

Speeding tickets

don’t always increase your car insurance rates, but depending on the severity of speeding, they could. In South Carolina, There are different levels of speeding, each with a different penalty. You’ll find that most law enforcers classify speeding by the following degrees:

1-5 mph over posted speed limit

6-10 mph over posted speed limit

11-15 mph over posted speed limit

16-20 mph over posted speed limit

21+ mph over posted speed limit

A speeding ticket will typically impact your car insurance rate, and the higher your speed was over the limit, the worse it appears on your driving history. Jerry has assisted drivers with finding savings on car insurance even after they’ve received a citation for speeding.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$182	Johnny, 35 Zip: 29801	Lexus ES 330	• State Minimum Liability
Speeding 16-20	Travelers	$103	Rebecca, 41 Zip: 29801	Toyota Corolla LE	• State Minimum Liability • Comp / Collision

Last Updated Sep 29, 2023

Cheapest car insurance in Aiken after an at-fault accident

Your

car accident

or claims history can impact your car insurance rates and it typically takes a while for your premiums to return to normal after a violation.

Insurance providers assess your history of accidents with a special focus on your at-fault collisions to determine your level of risk. High-risk drivers with more than one at-fault accident will generally see the sharpest rate increase—though having

accident forgiveness

on your policy can help prevent a surcharge after your first at-fault collision.

Jerry has helped Aiken drivers with an accident on their record find affordable insurance.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With No Injury	Progressive	$159	Harriet, 26 Zip: 29803	Ford Explorer Limited	• State Minimum Liability
Not At Fault	Safeco	$204	Leah, 27 Zip: 29803	Chevrolet Traverse LT	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$173	Frank, 47 Zip: 29801	Chevrolet Malibu 1LT	• State Minimum Liability • Comp / Collision

Last Updated Oct 1, 2023

Cheapest car insurance in Aiken after other driving violations

Reckless driving, driving on a suspended license, and

driving without insurance

can all lead to higher insurance rates in Aiken, South Carolina.

Jerry is there to help drivers find good insurance rates—even with a not-so-good driving record.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Yield	Progressive	$310	Carolyn, 32 Zip: 29801	Buick Regal Essence	• State Minimum Liability • Comp / Collision
Careless Driving	Progressive	$118	Rena, 33 Zip: 29803	KIA K5 EX	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Gainsco	$284	Gavin, 39 Zip: 29803	Ford Edge SEL	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Allstate	$84	Elva, 29 Zip: 29801	Toyota 4runner SR5	• State Minimum Liability

Last Updated Oct 3, 2023

Cheap car insurance quotes in Aiken by age

Your driving experience impacts the level of risk you pose to your insurance provider. Young or

new drivers

with limited driving experience typically pay more for insurance until 25. Car insurance rates remain steady for experienced drivers over 25 with clean records, but premiums can begin to rise again for seniors in their mid-70s.

Cheapest car insurance in Aiken for young drivers

Young drivers between the ages of 16 and 19 pay the highest insurance rates out of all age groups in Aiken, but rates can still be high up until age 25. Teen drivers are considered especially risky and typically pay the highest for minimum liability coverage.

Since they are more likely to get into accidents, teen drivers should opt for full coverage insurance—especially if they drive a newer vehicle. The added financial protection will offer peace of mind.

Gainsco

Mable (24 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Chevrolet Cruze LS

$336

per month

National General

Corey (22 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29803)

KIA Optima EX

$219

per month

Cheapest car insurance in Aiken for senior drivers

Senior drivers

are at a higher risk of accidents due to a higher susceptibility to injury and mortality resulting from an accident. They also have slower reflexes that increase the risk of car crashes.

Due to the added risk of financial liability, drivers tend to face higher insurance rates once they reach their mid-70s.

Progressive

Jim (78 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Cadillac Deville

$76

per month

Bristol West

Irene (71 years old)

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Jeep Grand Cherokee Laredo

$167

per month

Cheap car insurance quotes in Aiken based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Anne (59 years old)

Currently Insured

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Toyota 4runner SR5

$72

per month

Nationwide

Ricardo (38 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Aiken, SC (Zip Code: 29803)

Honda Civic EX

$168

per month

Allstate

Winnie (27 years old)

Currently Insured

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

RAM 1500 Classic Warlock

$114

per month

Safeco

Emily (41 years old)

Not Currently Insured

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Lincoln Navigator

$72

per month

Gainsco

Ollie (32 years old)

Currently Insured

Coverage

State Minimum

Aiken, SC (Zip Code: 29801)

Buick Regal Essence

$313

per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

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Great fil for this app and helping me save money!

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They were affordable and great very personable and reasonable

Audrey

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though

credit scores

don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
660 - 750	Progressive	$95	Luke, 26 Zip: 29805	Nissan Titan XE	• State Minimum Liability
660 - 750	National General	$175	May, 41 Zip: 29803	Toyota Sequoia Limited	• State Minimum Liability
550 - 659	Gainsco	$313	Susan, 32 Zip: 29801	Buick Regal Essence	• State Minimum Liability • Comp / Collision
< 550	National General	$103	Jeremiah, 36 Zip: 29801	Ford Thunderbird LX	• State Minimum Liability

Last Updated Oct 2, 2023

Cheap car insurance quotes in Aiken for popular cars

Car insurance premiums are based on the type of car you drive and your personal demographics. There are different expenses associated with each vehicle, and the cost of repairs or replacement, the chances of theft, and your vehicle’s safety features will all play a part in your car insurance rate.

Popular car models in Aiken, South Carolina include:

Honda CR-V

Toyota RAV4

Ford F-Series

Ram 15000

Chevrolet Silverado

MORE:

How to get car insurance before buying a car

How to lower car insurance costs in Aiken

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Aiken?

People living in Aiken pay on average $159 per month – or $1,914 per year – on state-minimum liability coverage. Full coverage in Aiken costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Aiken?

Based on thousands of Aiken drivers Jerry has worked with, car insurance in Aiken costs an average of $159 per month for state-minimum coverage and $148 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Aiken?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

AAA

Progressive

and

Nationwide

receive good ratings from Aiken drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Aiken, South Carolina?

The state-minimum car insurance in Aiken, South Carolina is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.