American National, USAA, Geico and Auto-Owners Insurance offer the cheapest minimum-coverage insurance in Lexington, S.C.
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In Lexington, S.C., minimum-coverage car insurance costs about 11% above the national average, so we recommend comparing rates from multiple providers to find the cheapest coverage possible.
We at the MarketWatch Guides Team have ranked the best car insurance companies on a variety of factors, including cost. This article will guide you on which companies offer the most affordable rates in Lexington — based on different driving profile factors.
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Best Cheap Car Insurance Companies in Lexington, S.C. How Much Is Car Insurance in Lexington, S.C.? Lexington Car Insurance Quotes by Driver Profile Cheap Car Insurance in Lexington, S.C.: The Bottom Line Cheapest Auto Insurance in Lexington, S.C.: FAQ
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Best Cheap Car Insurance Companies in Lexington, S.C.
We recommend American National, USAA, Geico, Auto-Owners Insurance and State Farm as the best auto insurance options in Lexington. They not only provide car insurance coverage that is better than the average minimum- and full-coverage rates, but they also have great customer service and high-quality policies.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Lexington, S.C.?
Our data shows that the average cost of car insurance for minimum-coverage insurance in Lexington is $58 per month or $695 per year. This is about 11% more than the national average of $52 per month or $625 per year. Similarly, full-coverage insurance costs $146 per month or $1,753 per year on average, which is about 13% less expensive than the national average of $167 per month or $2,008 per year for full coverage.
American National offers the cheapest liability insurance with average rates of $19 per month or $229 per year. USAA is the second-cheapest option in Lexington with average rates of $40 per month or $476 per year.
Liability coverage is the minimum coverage required by the state of South Carolina. According to South Carolina law, all drivers must either meet or exceed the following minimum coverage limits:
A full-coverage car insurance policy can be pricey in Lexington. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. American National is the cheapest full-coverage option with average rates of $63 per month or $761 per year.
Lexington Car Insurance Quotes by Driver Profile
Rates are impacted by many parts of a Lexington driver’s profile, from their ZIP code, to their age to their history of accidents and traffic violations. Some companies are cheaper for drivers with DUIs, while others are more cost-effective choices for teenagers who’ve just gotten their drivers’ licenses.
That’s why some drivers may find cheaper rates than you at the same company, and vice versa. This section will look at the average auto insurance expenses for different driving profiles in Lexington.
Drivers in their teens and early 20s have less experience driving and are more likely to get involved with traffic incidents, so auto insurers offset risk by charging higher premiums. Our data shows 16-year-olds pay about $225 per month or $2,694 per year for car insurance in Lexington.
Luckily, the average cost of car insurance declines as a driver gets older, rising again when drivers enter their late 50s. The table below shows the average minimum cost of car insurance for people of different age groups in Lexington.
Cheapest Car Insurance in Lexington, S.C.: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows American National is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $136 per month or $1,632 per year. Geico, Auto-Owners Insurance and Allstate also offer affordable premiums for Lexington teens.
In South Carolina and most other states, auto insurance companies are authorized to use a driver’s credit scores as a way of deciding their premium. If you’re a Lexington driver with a lower credit score, you’ll likely be charged a higher premium than drivers with better scores, who will pay way less.
Cheapest Car Insurance in Lexington, S.C.: Poor Credit
Our rate data shows USAA is the cheapest option for car insurance for bad credit in Lexington. The company offers minimum-coverage policies to drivers with poor credit for rates of $59 per month or $704 per year. This is 3% more than the overall state average for minimum coverage for good credit.
Drivers who’ve violated traffic laws or caused car accidents can expect a spiked increase in car insurance costs. Some infractions include speeding, running a stop sign or driving under the influence (DUI). On average, speeding can increase your rates by 36%, an at-fault accident by 39% and a DUI by 58%.
The amount by which that prices go up on average changes depending on the company. Our research shows that American National is the top company to find the most competitive coverage with if you have any driving record violations. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Lexington, S.C.: Speeding Ticket
According to our data, American National offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $26 per month or $314 per year. Geico follows close behind with an average monthly rate of $42, while USAA, State Farm and Southern Farm Bureau round out the top five options for cheap speeding ticket car insurance in Lexington.
Cheapest Car Insurance in Lexington, S.C.: At-Fault Accident
If you have caused an accident in the past while driving, your rates might go up more than if you had received a ticket for speeding. American National and State Farm are the cheapest options here with average rates of about $27 per month and $57 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.
Cheapest Car Insurance in Lexington, S.C.: DUI
Having a DUI is a major violation that can result in an increase of your car insurance rates in Lexington by hundreds of dollars annually. American National is very cheap compared to other companies — offering average rates of $30 per month or $363 per year for drivers with a DUI. State Farm, Southern Farm Bureau and USAA are also good options with rates under $70 per month on average.
The insurance rates you pay may be affected by the insurance claim rates in different areas of the city. Below, you can see certain ZIP codes in Lexington can be up to 2.3% cheaper or 2.3% more expensive than the city average.
Cheap Car Insurance in Lexington, S.C.: The Bottom Line
Even though auto insurance rates in Lexington, S.C., are higher compared to the averages for the state and the country as a whole, there are still options for cheap coverage. American National provides the cheapest minimum coverage in the city for roughly $19 per month, while USAA offers affordable rates to Lexington drivers at $63 per month.
Compare free quotes to find the company that meets your South Carolina car insurance needs at the best rate. You can compare insurance products and get auto insurance quotes online or from insurance agents.
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Here are some frequently asked questions about the cheapest auto insurance in Lexington, S.C.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
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