Car Insurance in Mount Pleasant, SC – Average Cost (2024) + Cheapest

• Mount Pleasant car insurance rates average $1,630 per year for full coverage, or approximately $136 on a monthly basis.
• Car insurance rates for a few popular models in Mount Pleasant include the Ram Truck at $1,884 per year, Tesla Model 3 at $1,914, and Hyundai Elantra at $1,770.
• For cheap car insurance in Mount Pleasant, SC, compact SUV models like the Volkswagen Tiguan, Toyota Corolla Cross, and Nissan Kicks cost less than most other makes and models.
• A few models with the lowest cost auto insurance for their automotive segment include the Jaguar E-Pace ($1,524 per year), Chevrolet Tahoe ($1,530 per year), Honda Passport ($1,298 per year), and Nissan Titan ($1,526 per year).
• Auto insurance quotes in Mount Pleasant can range from as low as $36 per month for just liability insurance to over $676 per month for teens and other high-risk drivers.

How much does car insurance cost in Mount Pleasant?

Average car insurance rates in Mount Pleasant cost $1,630 per year, or around $136 per month. That’s 14.4% cheaper than the overall U.S. average rate of $1,883 per year.

The average cost to insure a vehicle in South Carolina is $1,626 per year, so Mount Pleasant, SC, drivers pay an average of $4 more per year than the overall South Carolina state-wide average rate. When compared to other larger cities in South Carolina, the average cost of auto insurance in Mount Pleasant is $84 per year less than in Rock Hill, $90 per year cheaper than in Columbia, and $158 per year less than in North Charleston.

The chart below shows average auto insurance rates in Mount Pleasant for 2024 model year vehicles for both different driver ages and policy deductible amounts.

Average rates in the chart range from $1,144 per year for a 60-year-old driver with $1,000 deductibles to $3,812 per year for a 20-year-old driver with $250 deductibles. Throughout our site, the rate used to compare different vehicles is a 40-year-old driver with $500 deductibles for comprehensive and collision coverage, which is an average cost of $1,630 per year in Mount Pleasant.

As a monthly cost, average car insurance cost in Mount Pleasant ranges from $95 to $318 for the same deductible limits and driver ages shown in the prior chart.

Mount Pleasant car insurance rates have extreme variability and depend on a lot of factors. This variability emphasizes the need to get accurate auto insurance quotes when shopping online for the cheapest Mount Pleasant car insurance.

The age of the rated driver has the single biggest impact on the price of auto insurance. The list below illustrates this point by breaking out average car insurance rates in Mount Pleasant depending on driver age.

Mount Pleasant, SC, car insurance cost by driver age

• 16 year old – $5,802 per year or $484 per month
• 17 year old – $5,620 per year or $468 per month
• 18 year old – $5,040 per year or $420 per month
• 19 year old – $4,590 per year or $383 per month
• 20 year old – $3,278 per year or $273 per month
• 30 year old – $1,738 per year or $145 per month
• 40 year old – $1,630 per year or $136 per month
• 50 year old – $1,444 per year or $120 per month
• 60 year old – $1,352 per year or $113 per month

Popular vehicles and the cost of car insurance

The rates referenced above take the cost to insure each 2024 vehicle model and average them, which is suitable for making big picture comparisons like the difference in average auto insurance cost for two different locations in South Carolina.

For more comprehensive auto insurance comparisons, however, the data will be more precise if we compare rates for the exact make and model of vehicle being insured. In the next few sections, we explore both segment rates and rates for many different specific vehicles, but for now, we will explore just a few popular models to find out how car insurance rates stack up in Mount Pleasant.

The next list displays average annual and monthly car insurance cost for some of the more popular models you’ll see on the streets of Mount Pleasant. Later in this article, we explore additional factors that affect the cost of insuring some of these models in much more detail.

Average auto insurance cost for popular models in Mount Pleasant

• Ram Truck – $1,884 per year or $157 per month
• Tesla Model 3 – $1,914 per year or $160 per month
• Hyundai Elantra – $1,770 per year or $148 per month
• Ford Explorer – $1,478 per year or $123 per month
• Jeep Cherokee – $1,758 per year or $147 per month
• Toyota Highlander – $1,480 per year or $123 per month
• Toyota Corolla – $1,586 per year or $132 per month
• Nissan Sentra – $1,494 per year or $125 per month
• Toyota RAV4 – $1,502 per year or $125 per month
• Mazda CX-5 – $1,330 per year or $111 per month

Popular vehicles in Mount Pleasant tend to be compact or midsize sedans like the Nissan Sentra, Toyota Corolla, and Toyota Camry and compact or midsize SUVs like the Honda CR-V, Chevy Equinox, and Subaru Outback.

Additional popular vehicles from different automotive segments include luxury cars like the Acura ILX, Infiniti Q50, and Tesla Model S, luxury SUVs like the Infiniti QX60, Lexus RX 350, and Acura MDX, and pickup trucks like the Ford Ranger, Toyota Tacoma, and Chevy Silverado.

We will cover rates for many more vehicles in the upcoming sections, but before we do that, let’s make a quick review of the comparisons and concepts covered up to this point.

• Car insurance cost decreases as you age – Average rates for a 60-year-old driver in Mount Pleasant are $1,926 per year cheaper than for a 20-year-old driver.
• Mount Pleasant, South Carolina, average car insurance cost is less than the U.S. average – $1,630 (Mount Pleasant average) compared to $1,883 (U.S. average)
• Insurance for a teenager gets very expensive – The average cost ranges from $3,882 to $5,802 per year for insurance on a teen driver in Mount Pleasant, South Carolina.
• Cost per month ranges from $113 to $484 – That is the average car insurance cost range for drivers from age 16 to 60 in Mount Pleasant.
• Mount Pleasant auto insurance rates are more expensive than the South Carolina state average – $1,630 (Mount Pleasant average) compared to $1,626 (South Carolina average)

Which autos cost the least to insure in Mount Pleasant?

The models with the cheapest average insurance prices in Mount Pleasant, SC, tend to be crossovers and small SUVs like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Nissan Kicks.

Average auto insurance quotes for those vehicles cost $110 or less per month for full coverage car insurance.

Other vehicles that rank well in our cost comparison are the Mazda CX-5, Volkswagen Tiguan, Nissan Murano, and Kia Niro. Average insurance cost is slightly higher for those models than the cheapest crossover SUVs that rank near the top, but they still have an average insurance cost of $1,398 or less per year, or around $117 per month.

The table below details the 40 models with the cheapest car insurance in Mount Pleasant, sorted by annual and monthly insurance cost.

The table above that contains 40 vehicles with the cheapest insurance in Mount Pleasant is great if you just want the lowest rates. Considering the fact that we have over 700 models in our database, that means only about 6% of vehicles are shown. Let’s dig deeper into the data and break out the models with the lowest rates in a more useful way, by automotive segment.

This next section goes into more detail about the cost of car insurance based on automotive segment. These rates will provide a better idea of which automotive segments have the least expensive rates. The six sections after the chart show the vehicles with the cheapest insurance rates in each segment.

Average rates by automotive segment

If you’re considering buying a different vehicle, it’s in your best interest to know which categories of vehicles have better insurance rates. As an example, you may be curious if compact SUVs are more affordable to insure than minivans or which size of pickup has cheaper auto insurance.

The next chart displays average car insurance rates in Mount Pleasant for different vehicle segments. From a segment perspective, compact SUVs, midsize trucks, and minivans have the least expensive average auto insurance rates, while sports cars, large luxury cars, and performance exotic cars have the most expensive insurance.

Segment rates can be used for comparing estimates, but auto insurance cost varies quite significantly within each vehicle category displayed in the above chart.

For example, in the small SUV segment, average Mount Pleasant auto insurance rates range from the Subaru Crosstrek at $1,204 per year to the Ford Mustang Mach-E costing $1,906 per year, a difference of $702 within that segment.

In the sports car segment, average rates range from the Mazda MX-5 Miata costing $1,508 per year up to the Mercedes-Benz SL 63 costing $3,350 per year, a difference of $1,842 within that segment.

In the next sections, we eliminate this variability by analyzing the cost of car insurance in Mount Pleasant at a model level.

Cheapest car insurance rates in Mount Pleasant, SC

The top three cars with the cheapest auto insurance in Mount Pleasant are the Toyota GR Corolla at $1,418 per year, the Nissan Leaf at $1,428 per year, and the Honda Civic at $1,442 per year.

Some other cars that have affordable average insurance rates are the Hyundai Ioniq 6, Toyota Prius, Kia K5, and Chevrolet Malibu, with an average cost to insure of $1,582 per year or less.

Ranked from 10th to 20th place, cars like the Nissan Versa, Hyundai Sonata, Kia Forte, Toyota Crown, and Mitsubishi Mirage G4 cost between $1,582 and $1,686 to insure per year in Mount Pleasant.

Car insurance rates in Mount Pleasant for this segment will start around $118 per month, depending on your location and insurance company.

The most affordable compact car to insure in Mount Pleasant is the Toyota GR Corolla at $1,418 per year. For midsize 2024 models, the Hyundai Ioniq 6 is the cheapest model to insure at $1,498 per year. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $1,546 per year.

The rate comparison table below ranks the cars with the most affordable insurance rates in Mount Pleasant.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Mount Pleasant car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest SUV insurance rates in Mount Pleasant, SC

Taking the top spot in Mount Pleasant for cheapest auto insurance rates in the SUV segment is the Subaru Crosstrek, at an average of $1,204 per year. Second place is the Chevrolet Trailblazer costing $1,226 per year, and third place goes to the Kia Soul, costing an average of $1,272 per year.

Also ranking well are SUVs like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with average annual insurance rates of $1,334 per year or less.

From a cost per month standpoint, auto insurance in Mount Pleasant on this segment will start around $100 per month, depending on your company and location.

The table below ranks the SUVs with the cheapest insurance in Mount Pleasant, starting with the Subaru Crosstrek at $1,204 per year ($100 per month) and ending with the Honda HR-V at $1,418 per year ($118 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in South Carolina.

Cheapest sports cars to insure in Mount Pleasant

The four most affordable sports cars to insure in Mount Pleasant are the Mazda MX-5 Miata at $1,508 per year, Toyota GR86 at $1,718 per year, Ford Mustang at $1,788 per year, and BMW Z4 at $1,800 per year.

Also ranking well are models like the Toyota GR Supra, Nissan Z, BMW M2, and Subaru BRZ, with average rates of $1,950 per year or less.

From a cost per month standpoint, full-coverage insurance on this segment in Mount Pleasant for an average middle-age driver starts at around $126 per month, depending on your company and location. The table below ranks the twenty sports cars with the lowest-cost average auto insurance rates in Mount Pleasant, starting with the Mazda MX-5 Miata at $1,508 per year ($126 per month) and ending with the Porsche Taycan at $2,760 per year ($230 per month).

Is your vehicle not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Mount Pleasant.

Cheapest pickup insurance rates

The cheapest pickup trucks to insure in Mount Pleasant are the Chevrolet Colorado at $1,394 per year, the Nissan Titan at $1,526 per year, and the Nissan Frontier at $1,540 per year.

Other pickups that have cheaper rates are the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average rates of $1,678 per year or less.

Full-coverage car insurance in this segment will start around $116 per month, depending on the company. The rate comparison table below ranks the twenty pickups with the lowest-cost average car insurance rates in Mount Pleasant, starting with the Chevrolet Colorado at $1,394 per year ($116 per month) and ending with the Ram Truck at $1,884 per year ($157 per month).

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Is your pickup truck not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Mount Pleasant car insurance quotes from top-rated auto insurance companies in South Carolina.

Cheapest luxury car insurance rates

In our comparison, the top five most budget-friendly luxury cars to insure in Mount Pleasant are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Average insurance rates for for these five cars range from $1,448 to $1,686 per year.

Not the cheapest in the list, but still ranking well, are models like the Mercedes-Benz AMG CLA35, Lexus RC 300, Cadillac CT4, and Genesis G70, with average annual insurance rates of $1,714 per year or less.

Full-coverage car insurance for this segment in Mount Pleasant starts at an average of $121 per month, depending on your company and location.

The table below ranks the twenty cars with the cheapest insurance rates in Mount Pleasant, starting with the Acura Integra at $1,448 per year ($121 per month) and ending with the Audi S3 at $1,828 per year ($152 per month).

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Mount Pleasant car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest luxury SUVs to insure

The top-ranked vehicle in Mount Pleasant for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, with an average cost of $1,362 per year. Second place is the Lexus NX 250 costing $1,442 per year, and the third cheapest is the Cadillac XT4, at an average of $1,470 per year.

Additional models that rank well in our comparison include the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with an average car insurance cost of $1,572 per year or less.

Auto insurance rates in Mount Pleasant for this segment for the average driver will start around $114 per month, depending on where you live and the company you use.

If insurance rates are ranked by vehicle size, the lowest-cost small luxury SUV to insure in Mount Pleasant is the Acura RDX at $1,362 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $1,524 per year. And for full-size luxury SUVs, the Infiniti QX80 has the best rates at $1,828 per year.

The comparison table below ranks the SUVs with the lowest-cost average insurance rates in Mount Pleasant, starting with the Acura RDX at $114 per month and ending with the Lexus NX 350 at $136 per month.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Is your luxury SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Mount Pleasant car insurance quotes from the best companies in South Carolina.

Tips for getting cheap Mount Pleasant car insurance

Drivers are always looking to pay less for auto insurance So take a minute or two to look through the tips and ideas in the list below and maybe you’ll find a way to save some money when buying car insurance.

• Compare insurance cost before buying a car. Different vehicles, and even different trims of the same vehicle, have very different car insurance rates, and auto insurance companies can sell coverages with a wide range of costs. Get quotes to compare the cost of insurance before you buy a different car in order to prevent price shock when insuring your new car.
• Avoiding accidents saves money on car insurance in Mount Pleasant. Having frequent at-fault accidents will raise rates, possibly by an extra $2,328 per year for a 20-year-old driver and as much as $492 per year for a 50-year-old driver. So be a careful driver and save!
• If your vehicle is older, reduce coverage. Deleting physical damage coverage from vehicles that are older will reduce the cost of insurance considerably.
• Save money by qualifying for discounts. Discounts may be available if the insured drivers drive a vehicle with safety or anti-theft features, take a defensive driving course, are good students, are accident-free, belong to certain professional organizations, or many other discounts which could save the average Mount Pleasant driver as much as $276 per year on their insurance cost.
• You don’t have to stick with the same company. Taking 5-10 minutes before every policy renewal to get free car insurance quotes is a fantastic way to save money. Rates change often and switching companies is very easy to do.
• The higher deductible you choose, the lower the policy cost. Boosting your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.