Cheapest Car Insurance Quotes in Adams Run

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Adams Run Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Adams Run

The car insurance rate in Adams Run is $1011 for a six-month policy, which is $182 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $414, making it a popular choice for budget-conscious drivers. Rates in Adams Run can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Adams Run

$1011

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Adams Run

1st place: American National P&C

At $414 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: South Carolina Farm Bureau

South Carolina Farm Bureau offers auto insurance rates at $537 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $594 for six months, making it the third cheapest auto insurance company in Adams Run.

Adams Run Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Adams Run, SC is American National P&C, offering policies at just $414 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $537.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1645 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Adams Run drivers find the best deals.

Cheap Car Insurance Companies in Adams Run, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$414	$71
South Carolina Farm Bureau	$537	$89
American National	$594	$100
Auto-Owners Insurance Co	$616	$102
American Family	$935	$159
Encompass	$964	$161
USAA	$1065	$179
Auto-Owners	$1087	$183
Travelers	$1124	$189
Progressive	$1181	$199
Farm Bureau	$1203	$205
Allstate	$1398	$235
State Farm	$1413	$238
Nationwide	$1645	$275

Key Takeaways

Way's key takeaways about car insurance in Adams Run

The auto insurance costs in Adams Run fall around $414 for six months.
The cheapest auto insurance company in Adams Run is American National.
Teen drivers pay the highest rate in Adams Run at $33 per month.

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Cheapest Minimum Liability Car Insurance in Adams Run

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Adams Run are given below.

American National provides the cheapest minimum car insurance coverage in Adams Run. Their Average 6 Month Premium is $182. Nationwide is the most expensive at $841 for the same period.

Cheapest Liability Coverage in Adams Run, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$182	$31
American National P&C	$224	$38
Encompass	$268	$45
USAA	$276	$46
South Carolina Farm Bureau	$290	$49
Auto-Owners Insurance Co	$326	$55
American Family	$399	$68
Progressive	$421	$71
Auto-Owners	$471	$79
Travelers	$500	$84
Farm Bureau	$508	$87
Allstate	$515	$87
State Farm	$631	$106
Nationwide	$841	$140

Cheapest Full Coverage Car Insurance in Adams Run

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Adams Run is American National P&C at $71 per month and $414 for six months.

Cheapest Full Coverage Car Insurance Quotes in Adams Run, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$414	$71
South Carolina Farm Bureau	$537	$89
American National	$594	$100
Auto-Owners Insurance Co	$616	$102
American Family	$935	$159
Encompass	$964	$161
USAA	$1065	$179
Auto-Owners	$1087	$183
Travelers	$1124	$189
Progressive	$1181	$199
Farm Bureau	$1203	$205
Allstate	$1398	$235
State Farm	$1413	$238
Nationwide	$1645	$275

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Average Car Insurance in Adams Run by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Adams Run, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Adams Run, South Carolina, may be increasing due to several external factors. South Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Adams Run's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Adams Run

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Adams Run,SC

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Adams Run at $44 per month. At $195 for a six-month premium, American National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$261	$44
South Carolina Farm Bureau	$377	$65
Auto-Owners Insurance Co	$414	$68
American Family	$449	$77
Travelers	$1834	$309
Farm Bureau	$2167	$368
USAA	$2253	$379
Allstate	$2492	$420
Auto-Owners	$2704	$455
Progressive	$3392	$571
State Farm	$3587	$604
Nationwide	$4247	$722
American National	$195	$33

Teen Car Insurance Rates in SC by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Adams Run, South Carolina Farm Bureau is the cheapest car insurance provider. At $544 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Adams Run is State Farm, offering rates of around $6109 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$544	$90
American National P&C	$761	$129
American Family	$870	$145
Auto-Owners Insurance Co	$913	$155
USAA	$1269	$211
Travelers	$1573	$265
Progressive	$1631	$275
Allstate	$1993	$336
Farm Bureau	$2159	$360
Nationwide	$2485	$422
Auto-Owners	$3044	$508
State Farm	$6109	$1038

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Car Insurance Rates with An Accident in Adams Run

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Adams Run, SC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Adams Run

The cheapest car insurance companies after an at-fault accident in Adams Run include American National and American National P&C, offering $232 and $298, respectively. Nationwide is an expensive provider with an average six-month premium of $2369.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$232	$39
American National P&C	$298	$50
Encompass	$333	$56
South Carolina Farm Bureau	$370	$63
American Family	$414	$68
Auto-Owners Insurance Co	$471	$81
Auto-Owners	$978	$165
USAA	$986	$166
Travelers	$1000	$168
Farm Bureau	$1109	$187
Progressive	$1435	$242
State Farm	$1565	$264
Allstate	$2239	$377
Nationwide	$2369	$403

Adams Run Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Adams Run SC. For example, the car insurance in Adams Run after a DUI increases to $848 for a six month policy. While the rate increases by $370 for a six-month policy in the case of a speeding ticket.

Adams Run auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1464	$244
One Med/PIP claim	$1464	$249
Not-at-fault accident	$1543	$257
Two Med/PIP claims	$1558	$265
One comp claim	$1565	$261
Two comp claims	$1617	$275
Failure to wear a seat belt	$1674	$279
Child safety restraint	$1710	$290
Driving without lights	$1710	$285
Failure to show documents	$1725	$293
Failure to yield	$1775	$296
Failure to stop at a red light	$1782	$303
Driving too slowly	$1834	$305
Speeding 6 - 10 MPH over limit	$1834	$312
Speeding in school zone	$1834	$305
At-fault accident - less than $1000	$1841	$314
In 65 MPH zone	$1841	$306
Driving with expired registration	$1848	$315
Following too closely	$1848	$307
Illegal turn	$1848	$315
Speeding 11 - 15 MPH over limit	$1848	$307
Wrong way/wrong lane	$1848	$315
Cell phone violation	$1856	$309
Texting while driving	$1856	$316
Improper passing	$1863	$310
Operating a vehicle without permission	$1863	$317
Speeding 16 - 20 MPH over limit	$1863	$310
Speeding 21 - 25 MPH over limit	$1863	$317
Passing school bus	$1891	$315
Open container	$1906	$325
At-fault accident - $1000-$2000	$2102	$350
At-fault accident - greater than $2000	$2102	$357
Refusal to submit to a chemical test	$2283	$381
DUI	$2312	$393
Reckless driving	$2369	$395
Driving with a suspended license	$2377	$404
Racing	$2384	$398
Leaving scene of an accident/hit and run	$2464	$418

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Adams Run after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Adams Run.

The cheapest car insurance premiums in Adams Run are offered by American National P&C at $333 for a six-month policy. However, it can be as expensive as $283 with companies like American National.

Adams Run car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$333	$56
American Family	$348	$59
South Carolina Farm Bureau	$355	$60
Auto-Owners Insurance Co	$739	$126
Farm Bureau	$1028	$173
Travelers	$1131	$190
USAA	$1196	$201
Progressive	$1203	$203
State Farm	$1587	$267
Allstate	$1768	$298
Auto-Owners	$2305	$384
Nationwide	$3145	$534
American National	$283	$48

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Adams Run are offered by American National P&C at $298. However, it can be as expensive as $2000 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Adams Run after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$298	$50
South Carolina Farm Bureau	$333	$56
Auto-Owners Insurance Co	$370	$61
American Family	$421	$72
USAA	$1000	$167
Auto-Owners	$1050	$178
State Farm	$1152	$194
Travelers	$1166	$196
Farm Bureau	$1304	$217
Progressive	$1363	$229
Allstate	$1645	$277
Nationwide	$2000	$340

Car Insurance Price Trends in Adams Run, South Carolina

Car insurance rates in Adams Run have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Adams Run rose by $238 in January compared to $212 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Adams Run rose to $73 in January, compared to $71 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Adams Run?

The car insurance in Adams Run is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Adams Run?

The cheapest car insurance in Adams Run is $71 per month for full coverage.

How much is car insurance in Adams Run for teenagers?

Car insurance for teenagers costs $261 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Adams Run?

The average cost of car insurance is $829 for a six-month policy. It will cost around $170 per month to insure your car in Adams Run.

Is car insurance expensive in Adams Run?

Car insurance can be expensive in Adams Run if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Adams Run can be affordable.

What is the best car insurance in Adams Run, SC?

The best car insurance company in Adams Run SC is American National P&C, offering $414 for a six-month policy.