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Cheapest car insurance in Saint George, South Carolina (Nov 2024)
Cheapest car insurance in Saint George, South Carolina (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Saint George, South Carolina.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Saint George
- Best car insurance companies in Saint George
- Best cheap car insurance quotes in Saint George
- Average cost of car insurance in Saint George
- Car insurance quotes in Saint George by rating factors
- How do different factors impact your car insurance costs in Saint George?
- Cheap car insurance quotes in Saint George after driving violations
- Cheap car insurance quotes in Saint George by age
- Cheap car insurance quotes in Saint George based on insurance history
- Cheap car insurance quotes in Saint George for popular cars
- How to lower car insurance costs in Saint George
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance quotes in Saint George
In Saint George, the average
auto insurance
policy costs about $126 per month for minimum coverage liability insurance, and about $253 per month for full coverage insurance. Saint George drivers pay 15% less than the South Carolina
average. To find the best
car insurance
rate in Saint George, South Carolina, shop around
and compare quotes from multiple insurers. Jerry
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 | $236 | Ricardo, 54 Zip: 29477 | GMC Sierra K1500 Denali | • State Minimum Liability |
Gainsco | $268 | Lois, 33 Zip: 29477 | KIA K5 LXS | • State Minimum Liability |
| Assurance America | $177 | Nellie, 34 Zip: 29477 | Toyota Camry CE | • State Minimum Liability |
Last Updated Nov 15, 2024Best car insurance companies in Saint George
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 Saint George 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 Saint George
If you’re planning to drive in Saint George, you’ll need 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 Saint George
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
Jerry has helped lots of South Carolina drivers fulfill the state’s minimum car insurance requirements.
Gerald (50 years old)
$106
per month
Gainsco
Mary (24 years old)
$195
per month
Nellie (34 years old)
$177
per month
Florence (54 years old)
CoverageState Minimum
Saint George, SC (Zip Code: 29477)
GMC Sierra K1500 Denali$149
per month
Do you need more than minimum coverage in Saint George?
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: Look into full coverage or opt for 50/100/50 or 100/300/100 liability coverage.
Cheap full coverage car insurance quotes in Saint George
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 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.
Drivers in Saint George have found affordable full-coverage insurance policies with Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $281 | Emily, 33 Zip: 29477 | KIA K5 LXS |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $190 | Mollie, 43 Zip: 29477 | Jeep Liberty Sport |
• 50,000/100,000 Liability • Comp / Collision | National General | $190 | Lily, 41 Zip: 29477 | KIA Niro EX |
Last Updated Nov 21, 2024With 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 licensed insurance agents and 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 Saint George
After analyzing scores of insurance providers in Saint George, we discovered that the average price for minimum liability coverage amounts to be $126 per month or $1,510 per year. Additionally, residents of Saint George can expect to pay an average of $253 per month or $3,032 per year for full coverage insurance.
Car insurance quotes in Saint George by rating factors
Insurance companies in Saint George 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 Saint George?
How do different factors impact your car insurance costs in Saint George?
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 Saint George:
Cheap car insurance quotes in Saint George 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 Saint George after speeding ticket
Your rates may not always go up for a minor
speeding ticket
, but if you were going well above the speed limit or you receive multiple speeding tickets in a short time, you can expect to see a premium hike.Jerry has helped drivers find cheap auto insurance in Columbia, SC even after they’ve gotten a speeding ticket.
Last Updated Nov 17, 2024Cheapest car insurance in Saint George after DUI
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. 
Cheapest car insurance in Saint George 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 . 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 Saint George 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 | $148 | Zachary, 38 Zip: 29477 | Dodge RAM 1500 ST | • State Minimum Liability |
Not At Fault | Gainsco | $268 | Isaac, 33 Zip: 29477 | KIA K5 LXS | • State Minimum Liability |
At Fault With No Injury | National General | $187 | Fred, 33 Zip: 29477 | Toyota Camry CE | • State Minimum Liability |
Last Updated Nov 20, 2024Cheapest car insurance in Saint George after other driving violations
Reckless driving, driving on a suspended license, and
driving without insurance
can all lead to higher insurance rates.Jerry is there to help drivers find good insurance rates—even with a poor driving record.
Last Updated Nov 21, 2024Cheap car insurance quotes in Saint George by age
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 Saint George after DUI
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. Cheapest car insurance in Saint George for senior drivers
Senior drivers
are a higher risk due to 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 face higher rates once they reach their mid-70s.
Lewis (74 years old)
$60
per month
Owen (67 years old)
$62
per month
Cheap car insurance quotes in Saint George based on insurance history
Insurance history is a significant rating factor. 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 rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Amelia (38 years old)
$148
per month
Gainsco
Isaac (33 years old)
$268
per month
Cecelia (38 years old)
$206
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
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
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 |
|---|---|---|---|---|---|
550 - 659 | Progressive | $148 | Delia, 38 Zip: 29477 | Dodge RAM 1500 ST | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Saint George 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 Saint George, South Carolina include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Honda_cr-V | Safeco | $48 | Henry, 31 Zip: 29477 | • State Minimum Liability |
| Toyota RAV4 | Nationwide | $65 | Miguel, 36 Zip: 29477 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Saint George
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. Oftentimes, if you have a B average or better, you probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your homeowners insurance and auto insurance(or auto and renters insurance) 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
How much is car insurance in Saint George?
People living in Saint George pay on average $126 per month – or $1,510 per year – on state-minimum liability coverage. Full coverage in Saint George costs on average $253 per month or $3,032 per year.
But an average can’t tell you exactly how much you’ll pay. That’s why it’s important to compare rates with Jerry.
What is the cheapest car insurance in Saint George?
Based on thousands of Saint George drivers Jerry has worked with, car insurance in Saint George costs an average of $126 per month for state-minimum coverage and $253 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes with Jerry, you can find the cheapest company for you.
What is the best car insurance in Saint George?
AAA
, Progressive
, and Nationwide
receive good ratings from Saint George drivers, based on the largest car insurance survey in the nation conducted by Jerry.What is the minimum car insurance in Saint George, South Carolina?
The state-minimum car insurance in Saint George, 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
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.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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.