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Cheapest car insurance in Camden, South Carolina (Nov 2024)
Cheapest car insurance in Camden, South Carolina (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Camden, South Carolina.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Camden
- Best car insurance companies in Camden
- Best cheap car insurance quotes in Camden
- Average cost of car insurance in Camden
- Car insurance quotes in Camden by rating factors
- How do different factors impact your car insurance costs in Camden?
- Cheap car insurance quotes in Camden after driving violations
- Cheap car insurance quotes in Camden by age
- Cheap car insurance quotes in Camden based on insurance history
- Cheap car insurance quotes in Camden for popular cars
- How to lower car insurance costs in Camden
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Camden
In Camden, the average
auto insurance
policy costs about $150 per month for minimum coverage liability insurance, and about $216 per month for full coverage insurance. Camden drivers pay 23% more than the South Carolina
average. To find the best
car insurance
rate in Camden, 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.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $92 | Lucile, 53 Zip: 29020 | Ford Fusion SEL | • State Minimum Liability |
| Safeco | $83 | Alta, 47 Zip: 29020 | Chevrolet Classic | • State Minimum Liability |
Gainsco | $347 | Antonio, 38 Zip: 29020 | Ford Escape ST Line | • State Minimum Liability • Comp / Collision |
| The General | $213 | Brian, 24 Zip: 29020 | Ford Fusion SE | • State Minimum Liability |
Last Updated Nov 20, 2024Best car insurance companies in Camden
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 Camden 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.
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 Camden
If you’re planning to drive in Camden, 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 Camden
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:
- $50,000 of bodily injury 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.
Herbert (41 years old)
$118
per month
Gainsco
Cory (33 years old)
$105
per month
Tommy (53 years old)
$132
per month
Do you need more than minimum coverage in Camden?
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 Camden
When it comes to repairing or replacing your vehicle after an accident, full coverage car insurance is the only way to ensure financial protection.
- 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 Camden have found affordable full-coverage insurance policies with Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $190 | Marion, 44 Zip: 29020 | Chevrolet Equinox LS |
• State Minimum Liability • Comp / Collision | Nationwide | $118 | Herbert, 41 Zip: 29020 | Dodge Challenger SXT |
• State Minimum Liability • Comp / Collision | Gainsco | $347 | Antonio, 38 Zip: 29020 | Ford Escape ST Line |
• State Minimum Liability • Comp / Collision | Dairyland | $282 | Agnes, 49 Zip: 29020 | Hyundai Sonata SE |
Last Updated Nov 20, 2024Finding 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.
Average cost of car insurance in Camden
After analyzing scores of insurance providers in Camden, we have discovered that the average price for minimum liability coverage amounts to be $150 per month or $1,800 per year. Additionally, residents of Camden can expect to pay an average of $216 per month or $2,597 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.
Car insurance quotes in Camden by rating factors
- 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 Camden?
How do different factors impact your car insurance costs in Camden?
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 about the car insurance rating factors in Camden:
Cheap car insurance quotes in Camden 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 Camden after DUI
DUIs are a serious infraction—not only will you face steep legal penalties, but you’ll also see a significant increase in your car insurance premiums.
Fortunately, if you have received a
DUI in South Carolina
, you may still be able to find affordable car insurance by shopping for rates with companies that specialize in providing coverage to high-risk drivers. Use Jerry to compare auto insurance quotes in Columbia, SC to find affordable coverage after a DUI.
Timothy (30 years old)
$51
per month
Catherine (36 years old)
$72
per month
Cheapest car insurance in Camden 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 Camden drivers with an accident on their record find affordable insurance.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $266 | Clyde, 38 Zip: 29020 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $251 | Genevieve, 26 Zip: 29020 | Chevrolet Colorado | • State Minimum Liability • Comp / Collision |
Not At Fault | Bristol West | $199 | Jeremy, 66 Zip: 29020 | Mitsubishi Outlander SE | • State Minimum Liability |
At Fault With No Injury | National General | $180 | Henrietta, 27 Zip: 29020 | Honda Civic EX | • State Minimum Liability |
Last Updated Nov 16, 2024Cheapest car insurance in Camden after other driving violations
Reckless driving, driving on a suspended license, and
driving without insurance
can all lead to higher insurance rates in Camden, 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 Obey Signal | Progressive | $236 | Samuel, 31 Zip: 29020 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | National General | $156 | Dollie, 31 Zip: 29020 | Ford F150 Supercrew | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Camden 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 Camden for young drivers
Young drivers between 16 and 19 pay the highest insurance rates out of all age groups in Camden, 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.
Franklin (23 years old)
$268
per month
Rachel (24 years old)
$590
per month
Brian (24 years old)
$213
per month
Cheapest car insurance in Camden for senior drivers
Senior drivers
are at a higher risk of accidents due to slower reflexes that increase the risk of a collision and a higher susceptibility to injury and mortality resulting from an accident. Due to the added risk of financial liability, senior drivers face higher rates into their 70s.Fortunately, Jerry can still help you find affordable auto insurance well into your 70s and beyond.
Elsie (66 years old)
CoverageState Minimum
Camden, SC (Zip Code: 29020)
Mitsubishi Outlander SE$187
per month
Cheap car insurance quotes in Camden 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:
Christina (25 years old)
$106
per month
Joshua (40 years old)
$118
per month
Oscar (66 years old)
Currently Insured
CoverageState Minimum
Camden, SC (Zip Code: 29020)
Mitsubishi Outlander SE$199
per month
Gainsco
Michael (65 years old)
Currently Insured
CoverageState Minimum
Camden, SC (Zip Code: 29020)
Mitsubishi Outlander SE$222
per month
Over 4,000,000 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:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
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Aaron
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 | $106 | Logan, 25 Zip: 29020 | Chevrolet HHR LT | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $106 | Danny, 25 Zip: 29020 | Chevrolet HHR LT | • State Minimum Liability • Comp / Collision |
550 - 659 | Bristol West | $199 | Oscar, 66 Zip: 29020 | Mitsubishi Outlander SE | • State Minimum Liability |
< 550 | Gainsco | $105 | Ella, 32 Zip: 29020 | Chrysler Aspen Limited | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Camden 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 Camden, South Carolina include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Honda_cr-V | AAA | $62 | Alan, 43 Zip: 29020 | • 100,000/300,000 Liability |
| Toyota RAV4 | Progressive | $57 | Jay, 40 Zip: 29020 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 17, 2024How to lower car insurance costs in Camden
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!
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.
FAQ
What’s the average cost of car insurance in South Carolina?
The average cost of car insurance in South Carolina is $113 per month or $1,360 per year for mandatory, state minimum insurance coverage. The price of a full coverage policy goes up to $218 per month or $2,617 per year.
Who gives the lowest car insurance rates?
Insurance premiums are highly individual, but in Jerry’s survey, Safeco was voted the provider with the lowest car insurance rates in South Carolina. Over 15,000 verified policyholders contributed ratings for the biggest providers across the nation, giving Safeco a 4.7 out of 5.0 in the category of policy costs.
In addition to Safeco ($58/month on average), we discovered that other affordable companies in SC range from Travelers ($61/month on average), Nationwide ($62/month on average), and Clearcover ($75/month on average).
Why is South Carolina car insurance so high?
South Carolina car insurance is so high because it’s a risky place to drive and there’s a high rate of uninsured motorists. IIHS reported that SC experienced nearly double the national rate of motor vehicle fatalities per 100,000 residents in 2021. Meanwhile, the Insurance Information Institute (III) reported that about 1 in 10 drivers in the state are uninsured, which passes more accident costs onto insurers and paying policyholders.
What’s South Carolina minimum car insurance?
South Carolina’s minimum car insurance requirements include liability and uninsured/underinsured motorist coverage. Drivers must carry $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage per accident for both types of insurance.
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
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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.