Cheapest Car Insurance Quotes in Allendale

Finding the cheapest car insurance quotes in Allendale shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Allendale 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 Allendale

The car insurance rate in Allendale is $1028 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $420, making it a popular choice for budget-conscious drivers. Rates in Allendale 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 Allendale

$1028

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Allendale

1st place: American National P&C

At $420 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 $546 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 $604 for six months, making it the third cheapest auto insurance company in Allendale.

Allendale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Allendale, SC is American National P&C, offering policies at just $420 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $546.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1672 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allendale drivers find the best deals.

Cheap Car Insurance Companies in Allendale, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$420	$72
South Carolina Farm Bureau	$546	$91
American National	$604	$102
Auto-Owners Insurance Co	$626	$104
American Family	$950	$161
Encompass	$980	$164
USAA	$1083	$182
Auto-Owners	$1105	$186
Travelers	$1142	$192
Progressive	$1200	$202
Farm Bureau	$1223	$208
Allstate	$1421	$239
State Farm	$1436	$242
Nationwide	$1672	$279

Key Takeaways

Way's key takeaways about car insurance in Allendale

The auto insurance costs in Allendale fall around $420 for six months.
The cheapest auto insurance company in Allendale is American National.
Teen drivers pay the highest rate in Allendale at $33 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Allendale

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 Allendale are given below.

American National provides the cheapest minimum car insurance coverage in Allendale. Their Average 6 Month Premium is $185. Nationwide is the most expensive at $854 for the same period.

Cheapest Liability Coverage in Allendale, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$185	$31
American National P&C	$228	$38
Encompass	$273	$46
USAA	$280	$47
South Carolina Farm Bureau	$295	$50
Auto-Owners Insurance Co	$331	$56
American Family	$405	$69
Progressive	$428	$72
Auto-Owners	$479	$81
Travelers	$508	$86
Farm Bureau	$516	$88
Allstate	$523	$88
State Farm	$641	$108
Nationwide	$854	$143

Cheapest Full Coverage Car Insurance in Allendale

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 Allendale is American National P&C at $72 per month and $420 for six months.

Cheapest Full Coverage Car Insurance Quotes in Allendale, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$420	$72
South Carolina Farm Bureau	$546	$91
American National	$604	$102
Auto-Owners Insurance Co	$626	$104
American Family	$950	$161
Encompass	$980	$164
USAA	$1083	$182
Auto-Owners	$1105	$186
Travelers	$1142	$192
Progressive	$1200	$202
Farm Bureau	$1223	$208
Allstate	$1421	$239
State Farm	$1436	$242
Nationwide	$1672	$279

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Allendale Instantly!

Average Car Insurance in Allendale 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 Allendale, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Allendale, 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, Allendale's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Allendale

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Allendale,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 Allendale at $45 per month. At $198 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	$265	$45
South Carolina Farm Bureau	$383	$66
Auto-Owners Insurance Co	$420	$69
American Family	$456	$78
Travelers	$1864	$314
Farm Bureau	$2202	$374
USAA	$2290	$386
Allstate	$2533	$427
Auto-Owners	$2748	$463
Progressive	$3447	$580
State Farm	$3646	$614
Nationwide	$4316	$734
American National	$198	$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 Allendale, South Carolina Farm Bureau is the cheapest car insurance provider. At $553 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 Allendale is State Farm, offering rates of around $6209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$553	$92
American National P&C	$774	$131
American Family	$884	$148
Auto-Owners Insurance Co	$928	$157
USAA	$1290	$215
Travelers	$1598	$269
Progressive	$1658	$279
Allstate	$2026	$341
Farm Bureau	$2195	$366
Nationwide	$2526	$429
Auto-Owners	$3094	$516
State Farm	$6209	$1055

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Allendale.

Car Insurance Rates with An Accident in Allendale

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 Allendale, SC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Allendale

The cheapest car insurance companies after an at-fault accident in Allendale include American National and American National P&C, offering $236 and $303, respectively. Nationwide is an expensive provider with an average six-month premium of $2408.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$236	$40
American National P&C	$303	$51
Encompass	$339	$57
South Carolina Farm Bureau	$376	$64
American Family	$420	$69
Auto-Owners Insurance Co	$479	$82
Auto-Owners	$994	$167
USAA	$1002	$169
Travelers	$1017	$171
Farm Bureau	$1127	$190
Progressive	$1458	$246
State Farm	$1591	$268
Allstate	$2275	$383
Nationwide	$2408	$409

Allendale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Allendale SC. For example, the car insurance in Allendale after a DUI increases to $862 for a six month policy. While the rate increases by $376 for a six-month policy in the case of a speeding ticket.

Allendale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1488	$248
One Med/PIP claim	$1488	$253
Not-at-fault accident	$1569	$262
Two Med/PIP claims	$1583	$269
One comp claim	$1591	$265
Two comp claims	$1643	$279
Failure to wear a seat belt	$1701	$284
Child safety restraint	$1738	$295
Driving without lights	$1738	$290
Failure to show documents	$1753	$298
Failure to yield	$1804	$301
Failure to stop at a red light	$1812	$308
Driving too slowly	$1864	$310
Speeding 6 - 10 MPH over limit	$1864	$317
Speeding in school zone	$1864	$310
At-fault accident - less than $1000	$1871	$319
In 65 MPH zone	$1871	$311
Driving with expired registration	$1879	$320
Following too closely	$1879	$312
Illegal turn	$1879	$320
Speeding 11 - 15 MPH over limit	$1879	$312
Wrong way/wrong lane	$1879	$320
Cell phone violation	$1886	$314
Texting while driving	$1886	$321
Improper passing	$1893	$315
Operating a vehicle without permission	$1893	$322
Speeding 16 - 20 MPH over limit	$1893	$315
Speeding 21 - 25 MPH over limit	$1893	$322
Passing school bus	$1922	$320
Open container	$1937	$330
At-fault accident - $1000-$2000	$2137	$356
At-fault accident - greater than $2000	$2137	$363
Refusal to submit to a chemical test	$2320	$387
DUI	$2350	$399
Reckless driving	$2408	$402
Driving with a suspended license	$2416	$410
Racing	$2423	$404
Leaving scene of an accident/hit and run	$2505	$425

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Allendale 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 Allendale.

The cheapest car insurance premiums in Allendale are offered by American National P&C at $339 for a six-month policy. However, it can be as expensive as $288 with companies like American National.

Allendale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$57
American Family	$353	$60
South Carolina Farm Bureau	$361	$61
Auto-Owners Insurance Co	$751	$128
Farm Bureau	$1045	$176
Travelers	$1149	$193
USAA	$1215	$205
Progressive	$1223	$206
State Farm	$1613	$272
Allstate	$1797	$303
Auto-Owners	$2342	$391
Nationwide	$3197	$543
American National	$288	$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 Allendale are offered by American National P&C at $303. However, it can be as expensive as $2032 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Allendale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$303	$51
South Carolina Farm Bureau	$339	$57
Auto-Owners Insurance Co	$376	$62
American Family	$428	$73
USAA	$1017	$170
Auto-Owners	$1068	$181
State Farm	$1171	$197
Travelers	$1185	$200
Farm Bureau	$1326	$221
Progressive	$1385	$233
Allstate	$1672	$281
Nationwide	$2032	$346

Car Insurance Price Trends in Allendale, South Carolina

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

The average cost of full coverage in the Allendale rose by $242 in January compared to $216 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 Allendale rose to $74 in January, compared to $72 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Allendale?

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

What is the cheapest car insurance in Allendale?

The cheapest car insurance in Allendale is $72 per month for full coverage.

How much is car insurance in Allendale for teenagers?

Car insurance for teenagers costs $265 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 Allendale?

The average cost of car insurance is $829 for a six-month policy. It will cost around $172 per month to insure your car in Allendale.

Is car insurance expensive in Allendale?

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

What is the best car insurance in Allendale, SC?

The best car insurance company in Allendale SC is American National P&C, offering $420 for a six-month policy.