Cheapest Car Insurance Quotes in Arcadia Lakes

Finding the cheapest car insurance quotes in Arcadia Lakes 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

399,755 Policies Sold

Arcadia Lakes Car Insurance

^$ 25

/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 Arcadia Lakes

The car insurance rate in Arcadia Lakes is $764 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $342, making it a popular choice for budget-conscious drivers. Rates in Arcadia Lakes 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 Arcadia Lakes

$764

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Arcadia Lakes

1st place: American National P&C

At $342 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 $444 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 $492 for six months, making it the third cheapest auto insurance company in Arcadia Lakes.

Arcadia Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arcadia Lakes, SC is American National P&C, offering policies at just $342 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $444.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1062 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arcadia Lakes drivers find the best deals.

Cheap Car Insurance Companies in Arcadia Lakes, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$342	$59
South Carolina Farm Bureau	$444	$74
American National	$492	$83
Auto-Owners Insurance Co	$510	$85
American Family	$774	$131
Farm Bureau	$780	$130
Encompass	$798	$135
Auto-Owners	$864	$145
USAA	$864	$145
Travelers	$894	$150
Progressive	$906	$153
Nationwide	$948	$158
Allstate	$1014	$171
State Farm	$1062	$179

Key Takeaways

Way's key takeaways about car insurance in Arcadia Lakes

The auto insurance costs in Arcadia Lakes fall around $342 for six months.
The cheapest auto insurance company in Arcadia Lakes is American National.
Teen drivers pay the highest rate in Arcadia Lakes at $27 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 Arcadia Lakes

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 Arcadia Lakes are given below.

American National provides the cheapest minimum car insurance coverage in Arcadia Lakes. Their Average 6 Month Premium is $150. State Farm is the most expensive at $480 for the same period.

Cheapest Liability Coverage in Arcadia Lakes, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$150	$25
American National P&C	$186	$31
Encompass	$222	$37
USAA	$222	$37
South Carolina Farm Bureau	$240	$40
Auto-Owners Insurance Co	$270	$45
American Family	$330	$57
Progressive	$342	$58
Auto-Owners	$366	$62
Farm Bureau	$372	$62
Travelers	$408	$69
Allstate	$420	$71
Nationwide	$456	$78
State Farm	$480	$81

Cheapest Full Coverage Car Insurance in Arcadia Lakes

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 Arcadia Lakes is American National P&C at $59 per month and $342 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arcadia Lakes, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$342	$59
South Carolina Farm Bureau	$444	$74
American National	$492	$83
Auto-Owners Insurance Co	$510	$85
American Family	$774	$131
Farm Bureau	$780	$130
Encompass	$798	$135
Auto-Owners	$864	$145
USAA	$864	$145
Travelers	$894	$150
Progressive	$906	$153
Nationwide	$948	$158
Allstate	$1014	$171
State Farm	$1062	$179

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Arcadia Lakes Instantly!

Average Car Insurance in Arcadia Lakes 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 Arcadia Lakes, SC increasing?

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

Car Insurance Premiums by Age in Arcadia Lakes

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 Arcadia Lakes,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 Arcadia Lakes at $36 per month. At $162 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	$216	$36
South Carolina Farm Bureau	$312	$54
Auto-Owners Insurance Co	$342	$57
American Family	$372	$64
Travelers	$1344	$226
Farm Bureau	$1440	$244
Allstate	$1776	$299
USAA	$1782	$300
Auto-Owners	$2340	$394
Progressive	$2526	$425
State Farm	$2634	$443
Nationwide	$3438	$585
American National	$162	$27

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 Arcadia Lakes, South Carolina Farm Bureau is the cheapest car insurance provider. At $450 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 Arcadia Lakes is State Farm, offering rates of around $3744 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$450	$75
American National P&C	$630	$107
American Family	$720	$120
Auto-Owners Insurance Co	$755	$128
USAA	$966	$161
Progressive	$1128	$190
Travelers	$1151	$194
Allstate	$1296	$218
Farm Bureau	$1404	$234
Nationwide	$1446	$245
Auto-Owners	$2232	$372
State Farm	$3744	$636

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Arcadia Lakes

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

Cheapest Car Insurance Companies after an At-Fault Accident in Arcadia Lakes

The cheapest car insurance companies after an at-fault accident in Arcadia Lakes include American National and American National P&C, offering $192 and $246, respectively. Allstate is an expensive provider with an average six-month premium of $1848.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$192	$32
American National P&C	$246	$41
Encompass	$276	$46
South Carolina Farm Bureau	$306	$53
American Family	$342	$57
Auto-Owners Insurance Co	$390	$67
Farm Bureau	$864	$145
Travelers	$876	$147
USAA	$906	$153
Auto-Owners	$972	$164
Progressive	$1200	$202
State Farm	$1404	$236
Nationwide	$1830	$305
Allstate	$1848	$311

Arcadia Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arcadia Lakes SC. For example, the car insurance in Arcadia Lakes after a DUI increases to $702 for a six month policy. While the rate increases by $306 for a six-month policy in the case of a speeding ticket.

Arcadia Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1212	$202
One Med/PIP claim	$1212	$206
Not-at-fault accident	$1278	$213
Two Med/PIP claims	$1290	$219
One comp claim	$1296	$216
Two comp claims	$1338	$227
Failure to wear a seat belt	$1386	$231
Child safety restraint	$1416	$240
Driving without lights	$1416	$236
Failure to show documents	$1428	$242
Failure to yield	$1470	$245
Failure to stop at a red light	$1476	$250
Driving too slowly	$1518	$253
Speeding 6 - 10 MPH over limit	$1518	$259
Speeding in school zone	$1518	$253
At-fault accident - less than $1000	$1524	$260
In 65 MPH zone	$1524	$254
Driving with expired registration	$1530	$261
Following too closely	$1530	$255
Illegal turn	$1530	$261
Speeding 11 - 15 MPH over limit	$1530	$255
Wrong way/wrong lane	$1530	$261
Cell phone violation	$1536	$256
Texting while driving	$1536	$262
Improper passing	$1542	$257
Operating a vehicle without permission	$1542	$263
Speeding 16 - 20 MPH over limit	$1542	$257
Speeding 21 - 25 MPH over limit	$1542	$263
Passing school bus	$1566	$261
Open container	$1578	$269
At-fault accident - $1000-$2000	$1740	$290
At-fault accident - greater than $2000	$1740	$296
Refusal to submit to a chemical test	$1890	$315
DUI	$1914	$325
Reckless driving	$1961	$327
Driving with a suspended license	$1967	$334
Racing	$1974	$329
Leaving scene of an accident/hit and run	$2040	$346

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 Arcadia Lakes 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 Arcadia Lakes.

The cheapest car insurance premiums in Arcadia Lakes are offered by American National P&C at $276 for a six-month policy. However, it can be as expensive as $234 with companies like American National.

Arcadia Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$276	$46
American Family	$288	$48
South Carolina Farm Bureau	$294	$49
Auto-Owners Insurance Co	$612	$104
Farm Bureau	$726	$122
Travelers	$870	$146
Progressive	$906	$153
USAA	$953	$161
State Farm	$1110	$187
Allstate	$1272	$214
Auto-Owners	$1596	$266
Nationwide	$1746	$297
American National	$234	$39

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 Arcadia Lakes are offered by American National P&C at $246. However, it can be as expensive as $1134 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Arcadia Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$246	$41
South Carolina Farm Bureau	$276	$46
Auto-Owners Insurance Co	$306	$51
American Family	$348	$60
Auto-Owners	$732	$122
USAA	$762	$129
State Farm	$786	$132
Farm Bureau	$851	$144
Travelers	$870	$146
Progressive	$942	$159
Allstate	$1086	$183
Nationwide	$1134	$193

Car Insurance Price Trends in Arcadia Lakes, South Carolina

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

The average cost of full coverage in the Arcadia Lakes rose by $176 in December compared to $174 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 Arcadia Lakes rose to $59 in December, compared to $56 in November. This represents an increase of $3 when comparing December and November.

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 Arcadia Lakes?

The car insurance in Arcadia Lakes is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Arcadia Lakes?

The cheapest car insurance in Arcadia Lakes is $59 per month for full coverage.

How much is car insurance in Arcadia Lakes for teenagers?

Car insurance for teenagers costs $216 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 Arcadia Lakes?

The average cost of car insurance is $756 for a six-month policy. It will cost around $128 per month to insure your car in Arcadia Lakes.

Is car insurance expensive in Arcadia Lakes?

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

What is the best car insurance in Arcadia Lakes, SC?

The best car insurance company in Arcadia Lakes SC is American National P&C, offering $342 for a six-month policy.