Cheapest Auto Insurance in Fort Mill, South Carolina (2025)

Liability car insurance in Fort Mill costs $187 per month, on average — similar to the statewide average of $206 per month and more than the nationwide monthly average of $144.

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.

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.

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.

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 $164 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 $209 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.

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 $195 for liability coverage and $249 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 $207 for liability coverage and $263 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 $206 for liability coverage and $262 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 $143 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 $329 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 $187 per month, on average, for an auto insurance policy — slightly less than the average rate in South Carolina of $206.

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 $193 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.