Cheapest Auto Insurance in Fort Mill, South Carolina (2025)
Drivers in Fort Mill can secure cheap rates with USAA, with liability policies starting at $62 per month.
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Liability car insurance in Fort Mill costs $181 per month, on average — similar to the statewide average of $198 per month and more than the nationwide monthly average of $140.
Fort Mill’s close proximity to neighboring Charlotte, North Carolina's largest city, and more congested highways could partly account for its higher car insurance costs.
Here are some of the best ways to find affordable car insurance in Fort Mill to save money without sacrificing coverage.
Quick Facts
USAA, Auto-Owners, and State Farm are the best places to look for cheap car insurance in Fort Mill.
Drivers in Fort Mill pay a yearly average of $2,174 for car insurance.
USAA offers the best auto rates for veterans and active-duty military members in Fort Mill.
3 of the cheapest car insurance companies in Fort Mill
Insurify’s analysis of auto insurance costs in Fort Mill, South Carolina, can shed some light on the most affordable car insurance policies. But your best choice depends on your specific coverage needs and which discounts you qualify for.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for teen drivers: State Farm
Best insurer for liability-only coverage: USAA
Best insurer for drivers with a DUI: Auto-Owners
How to get the cheapest car insurance in Fort Mill
Your age, driving history, vehicle type, and location play a role in how much you pay for car insurance. The insurance company you choose can make a big difference, too. Here are some tips for finding cheap Fort Mill car insurance:
Compare quotes. Get rates from multiple insurance companies to compare prices and coverage options side by side.
Take advantage of discounts. Multi-vehicle and multi-policy discounts can help you cut down your overall insurance costs.
Review coverage. Read over your coverage to see if you can make any policy changes to save money.
Keep a clean driving record. Safe driving habits can qualify you for lower rates and qualify you for discounts for even more savings.
Consider usage-based insurance. A pay-per-mile policy uses your actual driving habits to set rates and can cost less, depending on how much you drive.
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Cheapest liability-only car insurance in Fort Mill: USAA
If you cause an accident, your liability auto coverage helps cover the costs of other drivers’ injuries or property damage. It’s important to note that a liability-only policy doesn’t extend to cover your own injuries or damage to your motor vehicle.
Fort Mill drivers pay a monthly average of $157 for liability-only policies. Below, you can find the lowest rates offered by insurers in Fort Mill.
Cheapest full-coverage car insurance in Fort Mill: USAA
Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. It isn’t just for newer or high-value cars, though. Commuters, frequent drivers, and drivers in areas with a high frequency of accidents can also benefit from full coverage, which provides greater financial protection for at-fault accidents and non-collision events such as vehicle theft, vandalism, and weather hazards.
The average cost of full-coverage car insurance in Fort Mill is $205 per month. But Fort Mill drivers can still find lower rates for full coverage below.
Car insurance requirements in South Carolina
Auto insurance in South Carolina follows an at-fault system, meaning you’re on the hook for other people’s injuries and property damages if you’re responsible for causing an accident.3
You’ll need a policy with at least minimum insurance coverage before applying for or renewing your driver’s license, when registering your vehicle, and at renewal.4
From protecting against uninsured drivers to covering vehicle repairs and medical bills, here are some optional auto insurance coverages available in South Carolina:
Cheapest car insurance for drivers with an incident
Insurers usually have to pay for repairs and claims more frequently if a driver has a history of incidents. In this situation, your rates will typically go up to account for insurers’ increased risk. Speeding tickets, driving under the influence (DUI), and at-fault accidents are a few incidents that can lead to higher premiums.
“Typically, a driver who incurs a speeding ticket or is involved in an at-fault accident will face a surcharge on their insurance premium for a minimum of three years,” explains Mark Friedlander, director of communications at the Insurance Information Institute.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Drivers with speeding tickets can usually find affordable auto coverage without much hassle. Your rate will likely increase slightly, but not as much as it will after other driving infractions.
On average, Fort Mill drivers with a speeding ticket pay $187 for liability coverage and $244 for full coverage per month. Shopping around can help you get a cheaper policy to offset any rate increases.
The following table shows liability-only rates for Fort Mill drivers with speeding tickets.
Cheapest car insurance for drivers with an at-fault accident: USAA
Finding affordable coverage with an at-fault accident on your driving record can be a bit more challenging than with just a speeding ticket. Insurers might label you as a high-risk driver if you have more than one accident or a history of other types of traffic violations.
Drivers in Fort Mill with an at-fault accident on their record pay a monthly average of $200 for liability coverage and $261 for full-coverage car insurance.
Below, you see liability-only quotes from top insurers for Fort Mill drivers with at-fault accidents on their motor vehicle records.
Cheapest car insurance for drivers with a DUI: USAA
The rate of alcohol-impaired driving deaths is 78% higher in South Carolina than the rest of the country.5 In the Palmetto State, a DUI stays on your driving record permanently. Insurers view DUIs as a major risk and will charge you substantially higher rates if you have one on your record. Some may choose to not renew your policy when your term ends, or they may cancel your policy mid-term. Depending on the severity of your infraction, you may need to look at insurers that specialize in high-risk policies.
The average monthly quote for drivers in Fort Mill with a DUI is $190 for liability coverage and $248 for full coverage. Check out the table below that highlights the most affordable liability-only car insurance rates for Fort Mill drivers with a DUI.
Cheapest car insurance for seniors: USAA
While car insurance quotes tend to decrease around age 25, senior drivers may see slight increases in their rates as accident risks also increase for seniors.
Senior drivers living in Fort Mill pay an average of $137 per month for liability coverage. Start your search by comparing the average full coverage and liability-only rates for Fort Mill seniors below.
Cheapest car insurance for teens: USAA
Young drivers pay much higher car insurance rates than adults due to limited experience behind the wheel and risky driving behaviors that cause accidents. Lack of experience leads to an accident rate nearly three times higher for teenagers than for drivers age 20 and older.6 Liability coverage costs $313 per month for teen drivers in Fort Mill, on average.
Still, following a few strategies can ease the financial strain of insuring a young driver. Consider adding your teen to your policy and buying a safe, reliable car with safety features to keep costs down. Minor teens won't be able to buy their own policy without the written consent of a parent or guardian. You can also talk to your teen about maintaining good grades to qualify for good student discounts.
Fort Mill car insurance quotes by credit tier
Insurance companies can’t deny you coverage because of your credit history, but they can consider it when setting your premiums.7 Generally, a higher credit score leads to lower car insurance rates. Insurers see drivers with better credit as lower risk and less likely to file claims.
In Fort Mill, drivers with poor credit scores typically pay more for full coverage than drivers with good credit.
Is car insurance more expensive in Fort Mill?
Drivers in Fort Mill pay $181 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $198.
Auto rates can change depending on your location, thanks to differences in population density, crime rates, and accident rates. For example, Greer’s average quote is $182 per month, while drivers in Myrtle Beach pay an average of $191 per month.
More cities in South Carolina
Fort Mill and the surrounding area, including Rock Hill, have some of the cheapest rates in South Carolina overall. See how Fort Mill’s rates compare to some other South Carolina cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Fort Mill car insurance FAQs
If you still have questions about finding car insurance in Fort Mill, check out the answers to some commonly asked questions below.
What factors affect car insurance costs in Fort Mill?
Like any city, factors like your ZIP code, driving record, age, credit history, and more affect the cost of car insurance in Fort Mill. Make sure to drive safely, keep your driving record clean, and maintain a strong credit rating to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.
Which company has the cheapest car insurance in Fort Mill?
USAA has the cheapest car insurance in Fort Mill, with monthly liability rates as low as $62. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $67 and $69.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fort Mill?
USAA is the best car insurance company in Fort Mill, with an IQ Score of 9.1 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 9.3 and an AM Best financial strength rating of A++ (Superior).
How much insurance do you need in South Carolina?
The minimum liability-insurance requirements in South Carolina are $25,000 per person and $50,000 per accident in bodily injury liability, along with $25,000 per accident in property damage liability. Car owners also need to purchase uninsured motorist coverage with coverage levels equal to liability coverage requirements.
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