Cheapest Car Insurance Quotes in Branchville

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Branchville Car Insurance

^$ 27

/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 Branchville

The car insurance rate in Branchville is $809 for a six-month policy, which is $53 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $363, making it a popular choice for budget-conscious drivers. Rates in Branchville 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 Branchville

$809

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Branchville

1st place: American National P&C

At $363 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 $471 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 $521 for six months, making it the third cheapest auto insurance company in Branchville.

Branchville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Branchville, SC is American National P&C, offering policies at just $363 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $471.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1125 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Branchville drivers find the best deals.

Cheap Car Insurance Companies in Branchville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$363	$62
South Carolina Farm Bureau	$471	$78
American National	$521	$88
Auto-Owners Insurance Co	$540	$90
American Family	$820	$139
Farm Bureau	$826	$138
Encompass	$845	$143
Auto-Owners	$915	$154
USAA	$915	$154
Travelers	$947	$159
Progressive	$960	$162
Nationwide	$1005	$167
Allstate	$1074	$181
State Farm	$1125	$189

Key Takeaways

Way's key takeaways about car insurance in Branchville

The auto insurance costs in Branchville fall around $363 for six months.
The cheapest auto insurance company in Branchville is American National.
Teen drivers pay the highest rate in Branchville at $29 per month.

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Cheapest Minimum Liability Car Insurance in Branchville

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 Branchville are given below.

American National provides the cheapest minimum car insurance coverage in Branchville. Their Average 6 Month Premium is $159. State Farm is the most expensive at $508 for the same period.

Cheapest Liability Coverage in Branchville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$159	$27
American National P&C	$197	$33
Encompass	$235	$40
USAA	$235	$40
South Carolina Farm Bureau	$255	$43
Auto-Owners Insurance Co	$286	$48
American Family	$350	$60
Progressive	$363	$61
Auto-Owners	$387	$65
Farm Bureau	$394	$65
Travelers	$432	$73
Allstate	$445	$75
Nationwide	$483	$82
State Farm	$508	$86

Cheapest Full Coverage Car Insurance in Branchville

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 Branchville is American National P&C at $62 per month and $363 for six months.

Cheapest Full Coverage Car Insurance Quotes in Branchville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$363	$62
South Carolina Farm Bureau	$471	$78
American National	$521	$88
Auto-Owners Insurance Co	$540	$90
American Family	$820	$139
Farm Bureau	$826	$138
Encompass	$845	$143
Auto-Owners	$915	$154
USAA	$915	$154
Travelers	$947	$159
Progressive	$960	$162
Nationwide	$1005	$167
Allstate	$1074	$181
State Farm	$1125	$189

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Average Car Insurance in Branchville 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 Branchville, SC increasing?

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

Car Insurance Premiums by Age in Branchville

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 Branchville,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 Branchville at $39 per month. At $171 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	$229	$39
South Carolina Farm Bureau	$331	$57
Auto-Owners Insurance Co	$363	$60
American Family	$394	$67
Travelers	$1424	$240
Farm Bureau	$1526	$259
Allstate	$1881	$317
USAA	$1887	$318
Auto-Owners	$2479	$417
Progressive	$2676	$450
State Farm	$2791	$470
Nationwide	$3642	$620
American National	$171	$29

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 Branchville, South Carolina Farm Bureau is the cheapest car insurance provider. At $477 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 Branchville is State Farm, offering rates of around $3966 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$477	$79
American National P&C	$668	$113
American Family	$763	$127
Auto-Owners Insurance Co	$800	$136
USAA	$1023	$170
Progressive	$1195	$201
Travelers	$1220	$205
Allstate	$1373	$231
Farm Bureau	$1487	$248
Nationwide	$1532	$260
Auto-Owners	$2365	$394
State Farm	$3966	$674

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Car Insurance Rates with An Accident in Branchville

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

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

The cheapest car insurance companies after an at-fault accident in Branchville include American National and American National P&C, offering $203 and $261, respectively. Allstate is an expensive provider with an average six-month premium of $1958.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$203	$34
American National P&C	$261	$44
Encompass	$292	$49
South Carolina Farm Bureau	$324	$56
American Family	$363	$60
Auto-Owners Insurance Co	$413	$71
Farm Bureau	$915	$154
Travelers	$928	$156
USAA	$960	$162
Auto-Owners	$1029	$173
Progressive	$1271	$214
State Farm	$1487	$250
Nationwide	$1939	$323
Allstate	$1958	$330

Branchville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Branchville SC. For example, the car insurance in Branchville after a DUI increases to $744 for a six month policy. While the rate increases by $324 for a six-month policy in the case of a speeding ticket.

Branchville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1284	$214
One Med/PIP claim	$1284	$218
Not-at-fault accident	$1354	$226
Two Med/PIP claims	$1366	$232
One comp claim	$1373	$229
Two comp claims	$1418	$241
Failure to wear a seat belt	$1468	$245
Child safety restraint	$1500	$255
Driving without lights	$1500	$250
Failure to show documents	$1513	$257
Failure to yield	$1557	$260
Failure to stop at a red light	$1563	$265
Driving too slowly	$1608	$268
Speeding 6 - 10 MPH over limit	$1608	$274
Speeding in school zone	$1608	$268
At-fault accident - less than $1000	$1615	$275
In 65 MPH zone	$1615	$269
Driving with expired registration	$1621	$276
Following too closely	$1621	$270
Illegal turn	$1621	$276
Speeding 11 - 15 MPH over limit	$1621	$270
Wrong way/wrong lane	$1621	$276
Cell phone violation	$1627	$271
Texting while driving	$1627	$277
Improper passing	$1634	$272
Operating a vehicle without permission	$1634	$278
Speeding 16 - 20 MPH over limit	$1634	$272
Speeding 21 - 25 MPH over limit	$1634	$278
Passing school bus	$1659	$276
Open container	$1671	$285
At-fault accident - $1000-$2000	$1844	$307
At-fault accident - greater than $2000	$1844	$314
Refusal to submit to a chemical test	$2002	$334
DUI	$2028	$345
Reckless driving	$2078	$347
Driving with a suspended license	$2084	$354
Racing	$2091	$349
Leaving scene of an accident/hit and run	$2161	$367

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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 Branchville 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 Branchville.

The cheapest car insurance premiums in Branchville are offered by American National P&C at $292 for a six-month policy. However, it can be as expensive as $248 with companies like American National.

Branchville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$292	$49
American Family	$305	$51
South Carolina Farm Bureau	$311	$52
Auto-Owners Insurance Co	$648	$110
Farm Bureau	$769	$129
Travelers	$921	$155
Progressive	$960	$162
USAA	$1010	$170
State Farm	$1176	$198
Allstate	$1347	$227
Auto-Owners	$1691	$281
Nationwide	$1850	$315
American National	$248	$42

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 Branchville are offered by American National P&C at $261. However, it can be as expensive as $1202 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Branchville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$261	$44
South Carolina Farm Bureau	$292	$49
Auto-Owners Insurance Co	$324	$54
American Family	$369	$63
Auto-Owners	$776	$129
USAA	$807	$137
State Farm	$832	$140
Farm Bureau	$902	$153
Travelers	$921	$155
Progressive	$998	$168
Allstate	$1150	$194
Nationwide	$1202	$204

Car Insurance Price Trends in Branchville, South Carolina

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

The average cost of full coverage in the Branchville rose by $186 in December compared to $184 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 Branchville rose to $62 in December, compared to $59 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Branchville?

The car insurance in Branchville is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Branchville?

The cheapest car insurance in Branchville is $62 per month for full coverage.

How much is car insurance in Branchville for teenagers?

Car insurance for teenagers costs $229 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 Branchville?

The average cost of car insurance is $756 for a six-month policy. It will cost around $136 per month to insure your car in Branchville.

Is car insurance expensive in Branchville?

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

What is the best car insurance in Branchville, SC?

The best car insurance company in Branchville SC is American National P&C, offering $363 for a six-month policy.