Best Cheap Auto Insurance in Hilton Head Island, SC (2021)

The average Hilton Head Island, SC auto insurance rates are $282 per month. The minimum auto insurance in Hilton Head Island is at least 25/50/25 in coverage to comply with South Carolina auto insurance laws. To find the best cheap auto insurance in Hilton Head Island, South Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Hilton Head Island, SC for senior drivers are $1,987 per year
  • The most expensive auto insurance company in Hilton Head Island for teen drivers is Progressive
  • The average commute length in Hilton Head Island is 18.5 minutes

Hilton Head Island, South Carolina auto insurance requirements are 25/50/25 according to South Carolina auto insurance laws. Finding cheap auto insurance in Hilton Head Island can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hilton Head Island, South Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Hilton Head Island to other South Carolina cities, including North Charleston auto insurance rates, Hilton Head Island auto insurance rates, and Columbia auto insurance rates to see how Hilton Head Island, South Carolina auto insurance rates stack up.

Before you buy Hilton Head Island, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hilton Head Island, South Carolina auto insurance quotes.

Minimum Auto Insurance in Hilton Head Island, South Carolina

Hilton Head Island, South Carolina auto insurance laws require that you have at least the South Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hilton Head Island, South Carolina.

Minimum Required Auto 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

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Cheap Hilton Head Island, South Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hilton Head Island, South Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Hilton Head Island, South Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hilton Head Island, South Carolina is a challenge. Take a look at the annual teen auto insurance rates in Hilton Head Island, South Carolina.

Annual Auto 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

Cheap Hilton Head Island, South Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Hilton Head Island, South Carolina? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Hilton Head Island, South Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hilton Head Island, South Carolina compared to the annual auto insurance rates with a clean record in Hilton Head Island, South Carolina.

Annual Hilton Head Island, South Carolina Auto 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

Cheap Hilton Head Island, South Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hilton Head Island, South Carolina is not easy. Compare the annual rates for DUI auto insurance in Hilton Head Island, South Carolina to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Hilton Head Island, South Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hilton Head Island, South Carolina annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Hilton Head Island, South Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hilton Head Island, South Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Hilton Head Island, South Carolina to see how car insurance rates are affected by location.

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

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

Cheap Hilton Head Island, South Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Hilton Head Island, South Carolina auto insurance. Find the cheapest annual Hilton Head Island, South Carolina auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Hilton Head Island, South Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hilton Head Island, South Carolina? Check out the comparison of annual Hilton Head Island, South Carolina auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Hilton Head Island, South Carolina

Compare the cheapest auto insurance companies in Hilton Head Island, South Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Hilton Head Island, South Carolina Auto Insurance Companies

What auto insurance companies in Hilton Head Island, South Carolina are the cheapest? Compare the top Hilton Head Island, South Carolina auto insurance companies to find the best annual rates.

Average Annual Auto 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

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

There are a lot of reasons why auto insurance rates in Hilton Head Island, South Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hilton Head Island, South Carolina. Many local factors may affect your Hilton Head Island auto insurance rates.

Hilton Head Island Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hilton Head Island, South Carolina commute length is 18.5 minutes according to City-Data.

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Compare Hilton Head Island, South Carolina Auto Insurance Quotes

Before you buy Hilton Head Island, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hilton Head Island, South Carolina auto insurance quotes.

Free Auto Insurance Comparison

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

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