Compare Lynchburg, SC Car Insurance Rates (2021)

Car insurance in Lynchburg, SC averages $347 a month. Lynchburg, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lynchburg car insurance rates, compare quotes from the top car insurance companies in Lynchburg, SC.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • Average car insurance rates in Lynchburg, SC are $4,159/year
  • The cheapest car insurance company in Lynchburg for teen drivers is GEICO
  • Average car insurance rates in Lynchburg, SC after a DUI are $4,735/year

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

You’ll find Lynchburg car insurance rates, the cheapest Lynchburg, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Lynchburg, South Carolina car insurance rates to Charleston car insurance rates, Rock Hill car insurance rates, and Summerville car insurance rates.

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

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

How do age, gender, and marital status affect Lynchburg, SC car insurance rates? Every Lynchburg, 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 Lynchburg, 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 $2,658 $2,658 $2,538 $2,538 $6,758 $8,625 $2,944 $3,204
Farmers $3,930 $3,969 $3,757 $4,076 $10,288 $11,224 $4,292 $4,287
GEICO $2,235 $2,235 $2,039 $2,039 $5,410 $5,541 $2,608 $2,672
Nationwide $2,792 $2,833 $2,505 $2,609 $6,729 $8,723 $3,159 $3,462
Progressive $2,763 $2,542 $2,360 $2,465 $10,998 $12,137 $3,147 $3,253
State Farm $2,139 $2,139 $1,926 $1,926 $6,019 $7,587 $2,399 $2,694
USAA $2,093 $2,106 $1,920 $1,931 $8,270 $9,074 $2,752 $2,913

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Minimum Car Insurance in Lynchburg, SC

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

Minimum Required Car Insurance Coverage in Lynchburg, 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 Lynchburg, SC Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $5,028 $3,765 $3,178
Farmers $6,626 $5,516 $5,042
GEICO $4,724 $2,541 $2,027
Nationwide $4,889 $3,950 $3,466
Progressive $5,548 $4,835 $4,492
State Farm $4,818 $2,936 $2,306
USAA $6,080 $2,973 $2,594

Cheapest Lynchburg, 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 Lynchburg, SC to rates for a clean record with top companies.

Annual Lynchburg, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,026 $4,760 $4,203 $3,972
Farmers $4,793 $6,578 $5,500 $6,041
GEICO $2,364 $3,055 $4,606 $2,364
Nationwide $3,251 $4,220 $5,349 $3,586
Progressive $4,074 $5,881 $4,940 $4,937
State Farm $3,055 $3,719 $3,320 $3,320
USAA $3,072 $3,792 $5,226 $3,440

Cheapest Lynchburg, SC Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,758 $8,625
Farmers $10,288 $11,224
GEICO $5,410 $5,541
Nationwide $6,729 $8,723
Progressive $10,998 $12,137
State Farm $6,019 $7,587
USAA $8,270 $9,074

Cheapest Lynchburg, SC Car Insurance for Seniors

Take a look at Lynchburg, 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 Lynchburg, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,538 $2,538
Farmers $3,757 $4,076
GEICO $2,039 $2,039
Nationwide $2,505 $2,609
Progressive $2,360 $2,465
State Farm $1,926 $1,926
USAA $1,920 $1,931

Cheapest Lynchburg, SC Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,203
Farmers $5,500
GEICO $4,606
Nationwide $5,349
Progressive $4,940
State Farm $3,320
USAA $5,226

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Cheapest Lynchburg, SC Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,906 $4,074
Farmers $5,728 $5,728
GEICO $3,081 $3,114
Nationwide $4,101 $4,101
Progressive $4,958 $4,958
State Farm $3,270 $3,437
USAA $3,841 $3,924

The Best Cheap Car Insurance Companies in Lynchburg, SC

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

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

Insurance Company Average Annual Rates
Allstate $3,990
Farmers $5,728
GEICO $3,097
Nationwide $4,101
Progressive $4,958
State Farm $3,354
USAA $3,882

Category Winners: Cheapest Car Insurance in Lynchburg, South Carolina

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

Best Annual Car Insurance Rates by Company in Lynchburg, 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 Lynchburg, SC Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,753 $3,971 $4,247
Farmers $5,001 $5,714 $6,468
GEICO $2,875 $3,064 $3,354
Nationwide $4,046 $4,105 $4,154
Progressive $4,541 $4,878 $5,456
State Farm $3,119 $3,352 $3,590
USAA $3,648 $3,876 $4,122

What affects car insurance rates in Lynchburg, South Carolina?

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

Commute Time in Lynchburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Lynchburg, SC is 38.8 minutes according to City-Data.

Traffic in Lynchburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lynchburg, SC traffic data from INRIX ranks Lynchburg as the 467th-most congested in the world.

Compare Car Insurance Quotes in Lynchburg, SC

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

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