Compare Effingham, SC Car Insurance Rates (2021)

Car insurance in Effingham, SC averages $336 a month. Effingham, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Effingham car insurance rates, compare quotes from the top car insurance companies in Effingham, SC.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Effingham for teen drivers is GEICO
  • Average car insurance rates in Effingham, SC are $4,032/year
  • Average car insurance rates in Effingham, SC after a DUI are $4,600/year

If you need to buy Effingham, South Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Effingham, SC is right here.

You’ll find Effingham car insurance rates, the cheapest Effingham, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Effingham, South Carolina car insurance rates to Rock Hill car insurance rates, Columbia car insurance rates, and Hilton Head Island car insurance rates.

Ready to find affordable Effingham, SC car insurance today? Enter your ZIP code for fast, free Effingham car insurance quotes.

Cheapest Effingham, SC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Effingham, SC car insurance rates? Every Effingham, South Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Effingham, South Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,720 $2,720 $2,599 $2,599 $6,921 $8,823 $3,012 $3,277
Farmers $3,550 $3,582 $3,397 $3,681 $9,345 $10,200 $3,878 $3,875
GEICO $2,235 $2,235 $2,039 $2,039 $5,410 $5,541 $2,608 $2,672
Nationwide $2,654 $2,693 $2,384 $2,481 $6,393 $8,272 $3,001 $3,284
Progressive $2,706 $2,481 $2,317 $2,421 $10,897 $12,011 $3,079 $3,173
State Farm $2,084 $2,084 $1,884 $1,884 $5,956 $7,499 $2,339 $2,627
USAA $2,009 $2,018 $1,845 $1,851 $8,138 $8,917 $2,654 $2,804

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Minimum Car Insurance in Effingham, SC

Every driver must carry the minimum car insurance in Effingham, SC. Take a look at the South Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Effingham, South Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Effingham, SC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Effingham, SC. Compare credit history car insurance rates in Effingham from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Effingham, South Carolina

Insurance Company Poor Fair Good
Allstate $5,150 $3,849 $3,252
Farmers $5,988 $5,002 $4,575
GEICO $4,724 $2,541 $2,027
Nationwide $4,640 $3,752 $3,294
Progressive $5,456 $4,767 $4,434
State Farm $4,732 $2,885 $2,267
USAA $5,901 $2,901 $2,536

Cheapest Effingham, SC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Effingham, SC to rates for a clean record with top companies.

Annual Effingham, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,092 $4,880 $4,298 $4,065
Farmers $4,339 $5,971 $4,984 $5,460
GEICO $2,364 $3,055 $4,606 $2,364
Nationwide $3,094 $4,007 $5,070 $3,410
Progressive $4,006 $5,804 $4,883 $4,850
State Farm $2,994 $3,662 $3,261 $3,261
USAA $2,984 $3,693 $5,094 $3,346

Cheapest Effingham, SC Car Insurance for Teen Drivers

Teen car insurance in Effingham, SC can be expensive. Take a look at rates from the top car insurance companies in Effingham for teenagers.

Annual Car Insurance Rates for Teen Drivers in Effingham, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,921 $8,823
Farmers $9,345 $10,200
GEICO $5,410 $5,541
Nationwide $6,393 $8,272
Progressive $10,897 $12,011
State Farm $5,956 $7,499
USAA $8,138 $8,917

Cheapest Effingham, SC Car Insurance for Seniors

Take a look at Effingham, SC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Effingham, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,599 $2,599
Farmers $3,397 $3,681
GEICO $2,039 $2,039
Nationwide $2,384 $2,481
Progressive $2,317 $2,421
State Farm $1,884 $1,884
USAA $1,845 $1,851

Cheapest Effingham, SC Car Insurance Rates After a DUI

A DUI in Effingham, SC increases car insurance rates. Compare Effingham, South Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Effingham, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,298
Farmers $4,984
GEICO $4,606
Nationwide $5,070
Progressive $4,883
State Farm $3,261
USAA $5,094

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Cheapest Effingham, SC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Effingham, SC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Effingham, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,997 $4,170
Farmers $5,188 $5,188
GEICO $3,081 $3,114
Nationwide $3,895 $3,895
Progressive $4,886 $4,886
State Farm $3,212 $3,377
USAA $3,740 $3,819

The Best Cheap Car Insurance Companies in Effingham, SC

Take a look at a side-by-side comparison of the top car insurance companies in Effingham, SC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Effingham, South Carolina

Insurance Company Average Annual Rates
Allstate $4,084
Farmers $5,188
GEICO $3,097
Nationwide $3,895
Progressive $4,886
State Farm $3,295
USAA $3,779

Category Winners: Cheapest Car Insurance in Effingham, South Carolina

Find the cheapest car insurance companies in Effingham, SC for each category right here.

Best Annual Car Insurance Rates by Company in Effingham, South Carolina

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Effingham, SC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Effingham car insurance rates. Find the cheapest Effingham, SC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Effingham, South Carolina

Insurance Company Low Medium High
Allstate $3,834 $4,064 $4,353
Farmers $4,545 $5,179 $5,841
GEICO $2,875 $3,064 $3,354
Nationwide $3,842 $3,897 $3,946
Progressive $4,461 $4,806 $5,390
State Farm $3,054 $3,293 $3,537
USAA $3,553 $3,775 $4,011

Compare Car Insurance Quotes in Effingham, SC

Ready to find affordable Effingham, South Carolina car insurance today? Enter your ZIP code for fast, free Effingham, SC car insurance quotes.

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