Cheapest Car Insurance Quotes in Adams Run

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Adams Run Car Insurance

^$ 29

/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 $869 for a six-month policy, which is $113 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, 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

$869

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Adams Run

1st place: American National P&C

At $390 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 $506 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 $560 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 $390 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $506.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1209 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	$390	$67
South Carolina Farm Bureau	$506	$84
American National	$560	$94
Auto-Owners Insurance Co	$581	$97
American Family	$881	$150
Farm Bureau	$888	$148
Encompass	$908	$154
Auto-Owners	$983	$166
USAA	$983	$166
Travelers	$1018	$171
Progressive	$1032	$174
Nationwide	$1080	$179
Allstate	$1155	$194
State Farm	$1209	$204

Key Takeaways

Way's key takeaways about car insurance in Adams Run

The auto insurance costs in Adams Run fall around $390 for six months.
The cheapest auto insurance company in Adams Run is American National.
Teen drivers pay the highest rate in Adams Run at $31 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 $171. State Farm is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Adams Run, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$171	$29
American National P&C	$212	$36
Encompass	$253	$43
USAA	$253	$43
South Carolina Farm Bureau	$274	$46
Auto-Owners Insurance Co	$307	$52
American Family	$376	$64
Progressive	$390	$66
Auto-Owners	$416	$70
Farm Bureau	$423	$70
Travelers	$465	$78
Allstate	$478	$81
Nationwide	$519	$89
State Farm	$546	$92

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 $67 per month and $390 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	$390	$67
South Carolina Farm Bureau	$506	$84
American National	$560	$94
Auto-Owners Insurance Co	$581	$97
American Family	$881	$150
Farm Bureau	$888	$148
Encompass	$908	$154
Auto-Owners	$983	$166
USAA	$983	$166
Travelers	$1018	$171
Progressive	$1032	$174
Nationwide	$1080	$179
Allstate	$1155	$194
State Farm	$1209	$204

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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 $41 per month. At $184 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	$246	$41
South Carolina Farm Bureau	$355	$61
Auto-Owners Insurance Co	$390	$64
American Family	$423	$72
Travelers	$1531	$258
Farm Bureau	$1640	$278
Allstate	$2022	$340
USAA	$2029	$342
Auto-Owners	$2665	$448
Progressive	$2876	$484
State Farm	$2999	$505
Nationwide	$3915	$666
American National	$184	$31

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 $513 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 $4263 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$513	$85
American National P&C	$718	$122
American Family	$820	$137
Auto-Owners Insurance Co	$860	$146
USAA	$1099	$183
Progressive	$1285	$216
Travelers	$1311	$221
Allstate	$1475	$248
Farm Bureau	$1598	$267
Nationwide	$1647	$279
Auto-Owners	$2542	$423
State Farm	$4263	$725

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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 $218 and $281, respectively. Allstate is an expensive provider with an average six-month premium of $2105.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$218	$37
American National P&C	$281	$47
Encompass	$314	$53
South Carolina Farm Bureau	$348	$60
American Family	$390	$64
Auto-Owners Insurance Co	$444	$76
Farm Bureau	$983	$166
Travelers	$997	$168
USAA	$1032	$174
Auto-Owners	$1106	$186
Progressive	$1366	$230
State Farm	$1598	$269
Nationwide	$2084	$347
Allstate	$2105	$354

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 $799 for a six month policy. While the rate increases by $348 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	$1380	$230
One Med/PIP claim	$1380	$235
Not-at-fault accident	$1455	$243
Two Med/PIP claims	$1469	$250
One comp claim	$1475	$246
Two comp claims	$1524	$259
Failure to wear a seat belt	$1578	$263
Child safety restraint	$1612	$274
Driving without lights	$1612	$269
Failure to show documents	$1626	$276
Failure to yield	$1673	$279
Failure to stop at a red light	$1680	$285
Driving too slowly	$1728	$288
Speeding 6 - 10 MPH over limit	$1728	$294
Speeding in school zone	$1728	$288
At-fault accident - less than $1000	$1735	$296
In 65 MPH zone	$1735	$289
Driving with expired registration	$1742	$297
Following too closely	$1742	$290
Illegal turn	$1742	$297
Speeding 11 - 15 MPH over limit	$1742	$290
Wrong way/wrong lane	$1742	$297
Cell phone violation	$1749	$291
Texting while driving	$1749	$298
Improper passing	$1756	$292
Operating a vehicle without permission	$1756	$299
Speeding 16 - 20 MPH over limit	$1756	$292
Speeding 21 - 25 MPH over limit	$1756	$299
Passing school bus	$1782	$297
Open container	$1796	$306
At-fault accident - $1000-$2000	$1981	$330
At-fault accident - greater than $2000	$1981	$337
Refusal to submit to a chemical test	$2152	$359
DUI	$2179	$370
Reckless driving	$2233	$373
Driving with a suspended license	$2240	$381
Racing	$2247	$375
Leaving scene of an accident/hit and run	$2323	$394

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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 $314 for a six-month policy. However, it can be as expensive as $267 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	$314	$53
American Family	$328	$55
South Carolina Farm Bureau	$335	$56
Auto-Owners Insurance Co	$697	$118
Farm Bureau	$827	$139
Travelers	$990	$167
Progressive	$1032	$174
USAA	$1086	$183
State Farm	$1264	$213
Allstate	$1448	$244
Auto-Owners	$1817	$302
Nationwide	$1988	$338
American National	$267	$45

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 $281. However, it can be as expensive as $1291 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	$281	$47
South Carolina Farm Bureau	$314	$53
Auto-Owners Insurance Co	$348	$57
American Family	$397	$68
Auto-Owners	$834	$139
USAA	$867	$147
State Farm	$895	$151
Farm Bureau	$969	$164
Travelers	$990	$167
Progressive	$1073	$181
Allstate	$1236	$208
Nationwide	$1291	$220

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 $200 in December compared to $198 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Adams Run rose to $67 in December, compared to $63 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Adams Run?

The car insurance in Adams Run is $29 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 $67 per month for full coverage.

How much is car insurance in Adams Run for teenagers?

Car insurance for teenagers costs $246 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 $756 for a six-month policy. It will cost around $146 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 $390 for a six-month policy.