As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Cheapest recent rates near Fort Mill, South Carolina
Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $85/mo for full coverage in Fort Mill and other South Carolina cities.
*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on April 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fort Mill, South Carolina within the last 10 days. Last updated on April 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Liability car insurance in Fort Mill costs $200 per month, on average — similar to the statewide average of $215 per month and more than the nationwide monthly average of $158.
Fort Mill’s close proximity to the large city of Charlotte could partly account for its higher car insurance costs.
Here are some of the best ways to find affordable car insurance in Fort Mill to save money without sacrificing coverage.
Quick Facts
USAA, Auto-Owners, and State Farm are the best places to look for cheap car insurance in Fort Mill.
Drivers in Fort Mill pay a yearly average of $2,394 for car insurance.
USAA offers the best auto rates for veterans and active military members in Fort Mill.
3 of the cheapest car insurance companies in Fort Mill
Insurify’s analysis of auto insurance costs in Fort Mill, South Carolina, can shed some light on the most affordable car insurance policies. But your best choice depends on your specific coverage needs and which discounts you qualify for.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$92
$56
Teen drivers
USAA
4.5
$83
$51
Liability-only coverage
Auto-Owners
4.0
$89
$54
Drivers with a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
You’ll find some of the most competitive auto rates for teen drivers at State Farm, alongside several discounts to reduce your bill even more. The company has nine agents in Fort Mill if you prefer in-person service.
Pros
Savings of up to 20% possible by insuring multiple vehicles
Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$77/mo
USAA has very affordable rates in Fort Mill. The downside is that coverage is only available to active-duty military members, veterans, and their families.
Pros
Wide range of customizable policy options and discounts
Above-average rating in the J.D. Power 2023 U.S. Auto Insurance Study
Few complaints in South Carolina, according to the National Association of Insurance Commissioners (NAIC)[1]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$82/mo
Auto-Owners is the best insurer for Fort Mill drivers with DUIs. It has plenty of local agents — you’ll find four in Fort Mill.
Pros
Lower-than-average auto rates
Few complaints in South Carolina, according to the NAIC[1]
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
How to get the cheapest car insurance in Fort Mill
Your age, driving history, vehicle type, and location play a role in how much you pay for car insurance. The insurance company you choose can make a big difference, too. Here are some tips for finding cheap Fort Mill car insurance:
Compare quotes. Get rates from multiple insurance companies to compare prices and coverage options side by side.
Review coverage. Read over your coverage to see if you can make any policy changes to save money.
Keep a clean driving record. Safe driving habits can qualify you for lower rates and qualify you for discounts for even more savings.
Consider usage-based insurance. A pay-per-mile policy uses your actual driving habits to set rates and can cost less, depending on how much you drive.
Compare Car Insurance Rates in Fort Mill
Liability rates start at $47 per month
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Cheapest liability-only car insurance in Fort Mill: USAA
If you cause an accident, your liability auto coverage helps cover the costs of other drivers’ injuries or property damage. It’s important to note that a liability-only policy doesn’t extend to cover your own injuries or damage to your motor vehicle.
Fort Mill drivers pay a monthly average of $170 for liability-only policies. Below, you can find the lowest rates offered by insurers in Fort Mill.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
47
Auto-Owners
50
State Farm
52
GEICO
56
Safeco
70
Nationwide
77
Allstate
81
State Auto
86
Travelers
87
Progressive
102
Midvale Home & Auto
104
Direct Auto
119
Liberty Mutual
128
Dairyland
153
The General
166
National General
176
AssuranceAmerica
189
Bristol West
193
GAINSCO
219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fort Mill: USAA
Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. It isn’t just for newer or high-value cars, though. Commuters, frequent drivers, and drivers in areas with a high frequency of accidents can also benefit from full coverage.
The average cost of full-coverage car insurance in Fort Mill is $229 per month. But Fort Mill drivers can still find lower rates for full coverage below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
77
Auto-Owners
82
State Farm
84
GEICO
91
Nationwide
117
Safeco
122
Allstate
131
Travelers
131
State Auto
151
Progressive
160
Midvale Home & Auto
168
Direct Auto
183
AssuranceAmerica
222
Liberty Mutual
231
National General
249
The General
280
Bristol West
321
Dairyland
325
GAINSCO
381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in South Carolina
Auto insurance in South Carolina follows an at-fault system, meaning you’re on the hook for other people’s injuries and property damages if you’re responsible for causing an accident.[2]
You’ll need a policy with at least minimum insurance coverage before applying for or renewing your driver’s license, when registering your vehicle, and at renewal.[3]
From protecting against uninsured drivers to covering vehicle repairs and medical bills, here are some optional auto insurance coverages available in South Carolina:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who either doesn’t have insurance or doesn’t have enough coverage to fully compensate you for the damages.
Collision coverage
Collision insurance pays to replace or repair your vehicle if it’s damaged in a collision, regardless of fault.
Comprehensive coverage
Comprehensive insurance covers damage to your car caused by events other than a collision, like theft, vandalism, natural disasters, fire, or damage from animals.
This pays for a rental car while you wait for vehicle repairs as part of an insurance claim.
Towing coverage
This covers the cost of towing and labor if your car breaks down and you need roadside assistance or a ride to a repair shop.
Gap insurance
Short for “guaranteed asset protection,” gap insurance pays the difference between the actual cash value of your vehicle and the outstanding loan or lease amount if your car is totaled or stolen, covering the gap in value.
Cheapest car insurance for drivers with an incident
Insurers usually have to pay for repairs and claims more frequently if a driver has a history of incidents. In this situation, your rates will typically go up to account for insurers’ increased risk. Speeding tickets, driving under the influence (DUI), and at-fault accidents are a few incidents that can lead to higher premiums.
“Typically, a driver who incurs a speeding ticket or is involved in an at-fault accident will face a surcharge on their insurance premium for a minimum of three years,” explains Mark Friedlander, director of communications at the Insurance Information Institute.
Shop for Car Insurance in Fort Mill, SC
Monthly rates start at $59 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
Drivers with speeding tickets can usually find affordable auto coverage without much hassle. Your rate will likely increase slightly, but not as much as it will after other driving infractions.
On average, Fort Mill drivers with a speeding ticket pay $256 for liability coverage and $345 for full coverage per month. Shopping around can help you get a cheaper policy to offset any rate increases.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
USAA
47
62
Auto-Owners
50
68
State Farm
52
68
GEICO
56
74
Safeco
70
100
Nationwide
77
103
Allstate
81
107
Travelers
87
117
Progressive
102
141
Direct Auto
119
162
Liberty Mutual
128
182
Dairyland
153
209
The General
166
228
National General
176
235
AssuranceAmerica
189
267
Bristol West
193
260
GAINSCO
219
284
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Finding affordable coverage with an at-fault accident on your driving record can be a bit more challenging than with just a speeding ticket. Insurers might label you as a high-risk driver if you have more than one accident or a history of other types of traffic violations.
Drivers in Fort Mill with an at-fault accident on their record pay a monthly average of $257 for liability coverage and $347 for full-coverage car insurance.
Below, you can find a policy that fits your needs by comparing insurers and considering factors such as coverage limits and deductibles.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
USAA
47
65
Auto-Owners
50
69
State Farm
52
71
GEICO
56
77
Safeco
70
105
Nationwide
77
107
Allstate
81
111
Travelers
87
121
Progressive
102
145
Direct Auto
119
169
Liberty Mutual
128
188
Dairyland
153
215
The General
166
236
National General
176
246
AssuranceAmerica
189
270
Bristol West
193
265
GAINSCO
219
296
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
The rate of alcohol-impaired driving deaths is 78% higher in South Carolina than the rest of the country.[4] Insurers view DUIs as a major risk and will charge you substantially higher rates if you have one on your record. Depending on the severity of your infraction, you may need to look at insurers that specialize in high-risk policies.
The average monthly quote for drivers in Fort Mill with a DUI is $291 for liability coverage and $392 for full coverage. Check out the table below that highlights the most affordable car insurance rates for Fort Mill drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
USAA
47
77
Auto-Owners
50
82
State Farm
52
85
GEICO
56
91
Safeco
70
114
Nationwide
77
126
Allstate
81
132
Travelers
87
142
Progressive
102
166
Direct Auto
119
194
Liberty Mutual
128
209
Dairyland
153
250
The General
166
271
National General
176
287
AssuranceAmerica
189
308
Bristol West
193
315
GAINSCO
219
357
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
While car insurance quotes tend to decrease around age 35, senior drivers can see premiums drop. But the savings fade with age, as insurers view older drivers as more likely to file a claim.
Senior drivers living in Fort Mill pay an average of $132 per month for liability coverage. Start your search by comparing the average full coverage and liability-only rates for Fort Mill seniors below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
USAA
60
36
Auto-Owners
63
38
State Farm
63
39
GEICO
70
43
Nationwide
85
56
Travelers
100
67
Safeco
101
58
Allstate
103
63
Progressive
112
71
Direct Auto
137
89
AssuranceAmerica
160
136
Liberty Mutual
184
102
National General
196
138
The General
222
132
Bristol West
250
151
Dairyland
255
120
GAINSCO
305
175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Young drivers pay much higher car insurance rates than adults — the biggest reason is the increased risk of accidents. Lack of experience leads to an accident rate nearly three times higher for teenagers than for drivers age 20 and older.[5] Liability coverage costs $309 per month for teen drivers in Fort Mill, on average.
Still, following a few strategies can ease the financial strain of insuring a young driver. Consider adding your teen to your policy and buying a safe, reliable car with safety features to keep costs down. You can also talk to your teen about maintaining good grades to qualify for good student discounts.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
USAA
129
79
Auto-Owners
139
84
GEICO
146
90
State Farm
146
90
Nationwide
203
134
Safeco
221
127
Allstate
233
144
Travelers
239
159
Progressive
291
186
Direct Auto
338
220
Liberty Mutual
395
219
AssuranceAmerica
432
368
The General
455
270
National General
479
338
Dairyland
535
252
Bristol West
541
326
GAINSCO
691
397
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Mill car insurance quotes by credit tier
Insurance companies can’t deny you coverage because of your credit history, but they can consider it when setting your premiums.[6] Generally, a higher credit score leads to lower car insurance rates. Insurers see drivers with better credit as lower risk and less likely to file claims.
In Fort Mill, drivers with poor credit scores typically pay more for full coverage than drivers with good credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Fort Mill?
Drivers in Fort Mill pay $200 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $215.
Auto rates can change depending on your location, thanks to differences in population density, crime rates, and accident rates. For example, Greer’s average quote is $176 per month, while drivers in Myrtle Beach pay an average of $168 per month.
More cities in South Carolina
Fort Mill and the surrounding area, including Rock Hill, have some of the cheapest rates in South Carolina overall. See how Fort Mill’s rates compare to some other South Carolina cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Mill car insurance FAQs
If you still have questions about finding car insurance in Fort Mill, check out the answers to some commonly asked questions below.
What factors affect car insurance costs in Fort Mill?
Like any city, factors like your ZIP code, driving record, age, credit score, and more affect the cost of car insurance in Fort Mill. Make sure to drive safely, keep your driving record clean, and maintain a strong credit score to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
Which company has the cheapest car insurance in Fort Mill?
USAA has the cheapest car insurance in Fort Mill, with monthly liability rates as low as $47. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $50 and $52.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fort Mill?
USAA is the best car insurance company in Fort Mill, with an IQ Score of 4.5 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 4.5 and an AM Best financial strength rating of A++ (Superior).
How much insurance do you need in South Carolina?
The minimum liability-insurance requirements in South Carolina are $25,000 per person and $50,000 per accident in bodily injury liability, along with $25,000 per accident in property damage liability. Car owners also need to purchase uninsured motorist coverage with coverage levels equal to liability coverage requirements.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.