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Key Takeaways

  • Car insurance in Mount Pleasant costs around $1,326 a year.
  • Travelers offer the most affordable car insurance in Mount Pleasant with a yearly average rate of $816.
  • South Carolina requires a minimum of $25,000 in property damage liability and $50,000 in bodily injury liability per accident. In addition, the state mandates uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
  • The auto theft rate in Mount Pleasant is lower than the state and national average auto theft rates.

Mount Pleasant Car Insurance

South Carolina has affordable car insurance rates when compared to other states. But how about the cities in SC? Having a reasonable car insurance rate doesn't mean all cities in the state will have low auto insurance rates. Unfortunately, it is true regarding car insurance in Mount Pleasant. The insurance rates are considerably high in the largest town of South Carolina.

With a population of around 100,000, around 4.7% of the drivers are uninsured. So it may be a major reason why the car insurance rate in Mount Pleasant is so high. However, there's nothing to worry about! You can always decrease the auto insurance rates by comparing the quotes from various insurers, buying the one with the cheapest quote, and using the insurers' discounts.

So, how much does a Mount Pleasant, SC, insurance cost? How can you get cheap car insurance in Mount Pleasant? Which are the car insurance companies in Mount Pleasant? Our review on car insurance in Mount Pleasant will guide you if you're planning to buy auto insurance in the city.

Are you looking for a cheap car insurance policy in South Carolina? Get an affordable quote today!

How Much Does Car Insurance Cost In Mount Pleasant?

On average, a driver pays around $1,326 for car insurance in Mount Pleasant. At the same time, the state average rate is $1,178. The city average is lower than the national average of $1,557.

Mount Pleasant (annual average) South Carolina (annual average) United States
$1,326 $1,178 $1,557

The best way to decrease Mount Pleasant, SC, insurance cost is by finding the cheapest insurer in the city. You need to get the quotes from various insurers, compare, and buy the one with the lowest quote. Our car insurance review of Mount Pleasant, SC, includes average rates based on insurer, age, driving record, and more. Keep reading to find out more!

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Mount Pleasant Auto Insurance Premiums By Company

To get affordable car insurance in Mount Pleasant, you must get quotes from multiple insurers, compare, and buy the cheapest one. Our research found that Travelers offers the lowest car insurance in Mount Pleasant, with a yearly average rate of $816. With an average annual rate of $1,176, Allstate provides the second-best auto insurance policy in the city.

Car insurance company Average Annual Rate
Travelers $816
Allstate $1,176
Nationwide $2,112
National General $2,251
State Auto $2,267

Mount Pleasant Auto Insurance Premiums By Age Group

Age is a big factor determining your car insurance cost in Mount Pleasant, SC. Young drivers typically pay more for car insurance in Mount Pleasant than older drivers. It is because insurers view them as having less experience and more likely to file claims, which costs them money. With a yearly average rate of $2,481 and $2,558, drivers in their 60s and 70s pay the lowest for auto insurance.

Age Average Annual Rate
Teens $4,476
20s $3,679
30s $3,194
40s $2,885
50s $2,851
60s $2,481
70s $2,558

What are the ways by which you can reduce the cost of car insurance in Mount Pleasant? One way is by getting out of your teens! Of course, you know you won't suddenly become a safer driver when you turn 25. Perhaps even the safest driver you know is you! However, it won't prevent insurance firms from charging you a hefty amount. Or else, ask for the various discounts your insurer offers and use whatever you're eligible for.

Mount Pleasant Auto Insurance Premiums By Driving Record

What can surge the rate of your car insurance in Mount Pleasant? Yes, it is your driving record. However, safe drivers often need to pay lower premiums for car insurance. The car insurance rate will go high if you have citations like reckless driving, speed ticket, DUI/DWI, and at-fault accident on your driving record.

A driver with a speeding ticket must pay around $2,183 for car insurance in Mount Pleasant.

Offense Average Annual Rate
DUI/DWI $1,932
Speeding Ticket $2,183

How to get cheap car insurance in Mount Pleasant, SC

  • Compare the insurance quotes: This is one of the greatest ways to lower your auto insurance premium for Mount Pleasant, South Carolina. Try at least to obtain quotes from five or more insurance providers, compare them, and purchase the best one. Visit way.com or our app to find the cheapest insurance quotes in Mount Pleasant.
  • Check for discounts: it is another way by which you can decrease the cost of car insurance in Mount Pleasant. Telematics, good driver, good student, and bundling discounts are some of the ones you can make use of. It is always better to ask your agents about the discounts that you qualify for.
  • Increase the deductible: If you have full coverage auto insurance, you can easily raise your deductible to lower your monthly payments without sacrificing coverage. Additionally, if you already drive defensively to get discounts, increasing your deductible will result in lower regular premiums, which is beneficial.

Auto insurance in Mount Pleasant: Minimum insurance requirement in South Carolina

Drivers in South Carolina need to carry a minimal amount of auto insurance, even though most require far more to be completely covered. The minimum insurance requirement in the state is as follows.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000
  • Underinsured/uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

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Auto Theft Statistics in Mount Pleasant

Fortunately, Mount Pleasant has a lower auto theft rate than the state and national averages. In 2019, the auto theft rate was 110.1, lower than the state average and the national average rate of 219.

Mount Pleasant theft rate (per 100,000 persons) United Statestheft rate (per 100,000 persons)
110.1 219

Accident Statistics in Mount Pleasant

Though the largest town in the state, the city has a low accident rate. In 2019, only five vehicles got involved in fatal accidents. On the other hand, eight persons were involved in fatal accidents, with five fatalities. In addition, there were three fatal accidents involving drunk persons, and two pedestrians were involved in fatal accidents in the city.

Car Insurance Companies in Mount Pleasant, SC

Are you searching for affordable car insurance companies in Mount Pleasant? The city's insurance companies claim that they offer comprehensive coverage at affordable rates. Additionally, our car insurance agents in Mount Pleasant will help you understand the state's most complex regulations, coverages, insurance terms, and discounts. Therefore, contact one of our agents if you're looking for the least expensive car insurance in Mount Pleasant.

Here are a few insurance companies that operate in the city.

Insurers
Travelers State Farm
Allstate USAA
Nationwide Progressive
National General Farmers
State Auto Safeco

Driving Conditions in Mount Pleasant

  • Driving conditions are fair.
  • Mount Pleasant traffic is not that easy to navigate.
  • On average, there are 106 rainy days per year. Rain averages 48 inches.
  • Snowfall averages 0 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

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Learn more by city and state for car insurance




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