Cheapest Car Insurance Quotes in Cheraw

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Cheraw 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 Cheraw

The car insurance rate in Cheraw is $837 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 Cheraw 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 Cheraw

$837

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Cheraw

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 Cheraw.

Cheraw Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cheraw, 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, Nationwide is the most expensive, with rates reaching $1361 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cheraw drivers find the best deals.

Cheap Car Insurance Companies in Cheraw, 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
Encompass	$798	$133
USAA	$882	$148
Auto-Owners	$900	$152
Travelers	$930	$157
Progressive	$978	$165
Farm Bureau	$996	$170
Allstate	$1157	$195
State Farm	$1170	$197
Nationwide	$1361	$227

Key Takeaways

Way's key takeaways about car insurance in Cheraw

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

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Cheapest Minimum Liability Car Insurance in Cheraw

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 Cheraw are given below.

American National provides the cheapest minimum car insurance coverage in Cheraw. Their Average 6 Month Premium is $150. Nationwide is the most expensive at $696 for the same period.

Cheapest Liability Coverage in Cheraw, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$150	$25
American National P&C	$186	$31
Encompass	$222	$37
USAA	$228	$38
South Carolina Farm Bureau	$240	$40
Auto-Owners Insurance Co	$270	$45
American Family	$330	$57
Progressive	$348	$59
Auto-Owners	$390	$66
Travelers	$414	$70
Farm Bureau	$420	$72
Allstate	$426	$72
State Farm	$522	$88
Nationwide	$696	$116

Cheapest Full Coverage Car Insurance in Cheraw

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

Cheapest Full Coverage Car Insurance Quotes in Cheraw, 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
Encompass	$798	$133
USAA	$882	$148
Auto-Owners	$900	$152
Travelers	$930	$157
Progressive	$978	$165
Farm Bureau	$996	$170
Allstate	$1157	$195
State Farm	$1170	$197
Nationwide	$1361	$227

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Average Car Insurance in Cheraw 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 Cheraw, SC increasing?

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

Car Insurance Premiums by Age in Cheraw

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 Cheraw,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 Cheraw 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	$1518	$256
Farm Bureau	$1794	$305
USAA	$1865	$314
Allstate	$2063	$347
Auto-Owners	$2238	$377
Progressive	$2808	$473
State Farm	$2969	$500
Nationwide	$3516	$598
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 Cheraw, 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 Cheraw is State Farm, offering rates of around $5057 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	$1050	$175
Travelers	$1302	$219
Progressive	$1350	$227
Allstate	$1650	$278
Farm Bureau	$1788	$298
Nationwide	$2057	$349
Auto-Owners	$2520	$420
State Farm	$5057	$860

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Car Insurance Rates with An Accident in Cheraw

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

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

The cheapest car insurance companies after an at-fault accident in Cheraw include American National and American National P&C, offering $192 and $246, respectively. Nationwide is an expensive provider with an average six-month premium of $1961.

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
Auto-Owners	$810	$136
USAA	$816	$137
Travelers	$828	$139
Farm Bureau	$918	$155
Progressive	$1188	$200
State Farm	$1296	$218
Allstate	$1853	$312
Nationwide	$1961	$333

Cheraw Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cheraw SC. For example, the car insurance in Cheraw 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.

Cheraw 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

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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 Cheraw 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 Cheraw.

The cheapest car insurance premiums in Cheraw 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.

Cheraw 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	$851	$143
Travelers	$936	$158
USAA	$990	$167
Progressive	$996	$168
State Farm	$1314	$221
Allstate	$1463	$246
Auto-Owners	$1908	$318
Nationwide	$2604	$442
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 Cheraw are offered by American National P&C at $246. However, it can be as expensive as $1655 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cheraw 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
USAA	$828	$138
Auto-Owners	$870	$147
State Farm	$953	$161
Travelers	$966	$163
Farm Bureau	$1080	$180
Progressive	$1128	$190
Allstate	$1361	$229
Nationwide	$1655	$282

Car Insurance Price Trends in Cheraw, South Carolina

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

The average cost of full coverage in the Cheraw rose by $197 in January compared to $176 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Cheraw rose to $61 in January, compared to $59 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 Cheraw?

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

What is the cheapest car insurance in Cheraw?

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

How much is car insurance in Cheraw 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 Cheraw?

The average cost of car insurance is $829 for a six-month policy. It will cost around $140 per month to insure your car in Cheraw.

Is car insurance expensive in Cheraw?

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

What is the best car insurance in Cheraw, SC?

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