Compare Hilton Head Island, SC Car Insurance Rates (2021)

Car insurance in Hilton Head Island, SC averages $282 a month. Hilton Head Island, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Hilton Head Island car insurance rates, compare quotes from the top car insurance companies in Hilton Head Island, 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 Hilton Head Island for teen drivers is GEICO
  • The cheapest ZIP code in Hilton Head Island is 29928
  • Average car insurance rates in Hilton Head Island, SC are $3,382/year

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

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

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

Cheapest Hilton Head Island, SC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hilton Head Island, SC car insurance rates? Every Hilton Head Island, 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 Hilton Head Island, 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 $2,618 $2,618 $2,509 $2,509 $6,752 $8,596 $2,901 $3,153
Farmers $2,487 $2,487 $2,403 $2,579 $6,877 $7,579 $2,727 $2,762
GEICO $2,024 $2,024 $1,849 $1,849 $5,164 $5,258 $2,377 $2,452
Nationwide $2,455 $2,480 $2,218 $2,291 $6,102 $7,808 $2,789 $3,023
Progressive $1,922 $1,775 $1,665 $1,739 $8,241 $9,092 $2,223 $2,324
State Farm $1,768 $1,768 $1,611 $1,611 $5,174 $6,487 $1,985 $2,236
USAA $1,618 $1,621 $1,491 $1,489 $6,449 $7,054 $2,122 $2,228

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Minimum Car Insurance in Hilton Head Island, SC

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

Minimum Required Car Insurance Coverage in Hilton Head Island, 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 Hilton Head Island, SC Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Hilton Head Island, South Carolina

Insurance Company Poor Fair Good
Allstate $4,988 $3,731 $3,152
Farmers $4,239 $3,639 $3,335
GEICO $4,384 $2,358 $1,881
Nationwide $4,323 $3,525 $3,088
Progressive $4,011 $3,541 $3,316
State Farm $4,054 $2,481 $1,954
USAA $4,684 $2,315 $2,029

Cheapest Hilton Head Island, 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 Hilton Head Island, SC to rates for a clean record with top companies.

Annual Hilton Head Island, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,973 $4,743 $4,172 $3,940
Farmers $3,119 $4,337 $3,591 $3,903
GEICO $2,223 $2,837 $4,216 $2,223
Nationwide $2,921 $3,747 $4,708 $3,206
Progressive $2,965 $4,335 $3,620 $3,572
State Farm $2,562 $3,157 $2,800 $2,800
USAA $2,380 $2,935 $4,056 $2,666

Cheapest Hilton Head Island, SC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Hilton Head Island, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,752 $8,596
Farmers $6,877 $7,579
GEICO $5,164 $5,258
Nationwide $6,102 $7,808
Progressive $8,241 $9,092
State Farm $5,174 $6,487
USAA $6,449 $7,054

Cheapest Hilton Head Island, SC Car Insurance for Seniors

Take a look at Hilton Head Island, 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 Hilton Head Island, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,509 $2,509
Farmers $2,403 $2,579
GEICO $1,849 $1,849
Nationwide $2,218 $2,291
Progressive $1,665 $1,739
State Farm $1,611 $1,611
USAA $1,491 $1,489

Cheapest Hilton Head Island, SC Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hilton Head Island, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,172
Farmers $3,591
GEICO $4,216
Nationwide $4,708
Progressive $3,620
State Farm $2,800
USAA $4,056

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Cheapest Hilton Head Island, SC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hilton Head Island, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $4,041
Farmers $3,738 $3,738
GEICO $2,856 $2,894
Nationwide $3,646 $3,646
Progressive $3,623 $3,623
State Farm $2,760 $2,900
USAA $2,977 $3,041

Cheapest Hilton Head Island, SC Car Insurance Rates by ZIP Code

Hilton Head Island car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Hilton Head Island, SC.

Annual Car Insurance Rates by ZIP Code in Hilton Head Island, South Carolina

ZIP Code Average Annual Rates
29926 $3,164
29928 $3,118

The Best Cheap Car Insurance Companies in Hilton Head Island, SC

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

Average Annual Car Insurance Rates by Company in Hilton Head Island, South Carolina

Insurance Company Average Annual Rates
Allstate $3,957
Farmers $3,738
GEICO $2,875
Nationwide $3,646
Progressive $3,623
State Farm $2,830
USAA $3,009

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Category Winners: Cheapest Car Insurance in Hilton Head Island, South Carolina

Find the cheapest car insurance companies in Hilton Head Island, SC for each category right here.

Best Annual Car Insurance Rates by Company in Hilton Head Island, 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

Cheapest Hilton Head Island, SC Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Hilton Head Island, South Carolina

Insurance Company Low Medium High
Allstate $3,702 $3,936 $4,232
Farmers $3,373 $3,741 $4,100
GEICO $2,664 $2,845 $3,115
Nationwide $3,581 $3,651 $3,704
Progressive $3,372 $3,583 $3,913
State Farm $2,611 $2,829 $3,050
USAA $2,847 $3,005 $3,176

What affects car insurance rates in Hilton Head Island, South Carolina?

What factors can have an impact on Hilton Head Island, SC car insurance? There are several reasons why Hilton Head Island car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hilton Head Island, South Carolina.

Commute Time in Hilton Head Island

The more time you spend in your car the higher the risk of an accident. The average commute length in Hilton Head Island, SC is 18.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Hilton Head Island, SC

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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