Bluffton, SC Car Insurance
The average cost for car insurance in Bluffton is about $101 a month. Check out our guide below to find out how much you'll pay.
Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
Updated
Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
How does Bluffton stack up to the rest of the area, or even South Carolina as a whole? What can Bluffton residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
How much is car insurance in Bluffton?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Bluffton | $101 |
| SC | $104 |
| United States | $81 |
Looking at the chart above, you can see that the average monthly price in Bluffton is in line with pricing for the rest of South Carolina.
Conversely, Bluffton residents should prepare to pay higher rates for coverage than the rest of the country. The cost of insuring a vehicle in Bluffton is about $20 more expensive than the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in Bluffton, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Bluffton so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Find your best rate in just a few minutes
Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.8/5
Average Car Insurance Rates by Age
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $175 |
| 25-34 | $85 |
| 35-44 | $84 |
| 45-54 | $64 |
| 55-64 | $62 |
| 65+ | $70 |
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates start to rise again in Bluffton.
Average Car Insurance Rates by Gender
Gender | Average |
|---|---|
| Male | $110 |
| Female | $92 |
In general, women pay slightly less for car insurance than men. The difference in Bluffton is around $18 a month. As illustrated in the table above, female drivers in the area pay about $92 on average, while male drivers pay around $110 each month.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $106 |
| Multiple Accidents | $201 |
| 1 Ticket | $110 |
| Multiple Tickets | $137 |
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Bluffton, having a single accident on your record will usually get you rates around $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $110.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $117 |
| 2-3 Years | $65 |
| 4-5 Years | $97 |
| 6-7 Years | $92 |
| 8-10 Years | $104 |
| 11-14 Years | $115 |
| 15 Years or Older | $87 |
According to the first table above, the cheapest vehicles to insure in Bluffton are usually SUVs, trucks, and vans, at $90 per month.
On the other hand, car owners, can expect to pay about $110 per month for auto insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Bluffton, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $111 |
| Married | $94 |
| Divorced | $64 |
| Widowed | $56 |
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Bluffton is about $17 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
|---|---|
| Own | $75 |
| Rent | $102 |
| Live with parents | $174 |
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $27 a month more than homeowners in Bluffton. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Recent trends in car insurance for Bluffton drivers
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Bluffton decreased from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $106.
How does Bluffton compare to neighboring areas?
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Why are car insurance rates in Bluffton different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
Access to off-street parking
Road Safety (how many accidents each locality has)
Number of drivers
Local laws
Crime levels
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Bluffton?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Bluffton.
Bluffton Insurance FAQs
Why is the cost of car insurance in Bluffton different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Bluffton?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bluffton?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bluffton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
About Compare.com
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
)
)
)
)
){kind=logo}