Cheapest Car Insurance Quotes in Cottageville

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Cottageville Car Insurance

^$ 28

/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 Cottageville

The car insurance rate in Cottageville is $854 for a six-month policy, which is $98 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in Cottageville 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 Cottageville

$854

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Cottageville

1st place: American National P&C

At $383 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 $497 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 $550 for six months, making it the third cheapest auto insurance company in Cottageville.

Cottageville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cottageville, SC is American National P&C, offering policies at just $383 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $497.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1188 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cottageville drivers find the best deals.

Cheap Car Insurance Companies in Cottageville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$383	$66
South Carolina Farm Bureau	$497	$82
American National	$550	$93
Auto-Owners Insurance Co	$571	$95
American Family	$866	$147
Farm Bureau	$872	$146
Encompass	$893	$151
Auto-Owners	$966	$163
USAA	$966	$163
Travelers	$1000	$168
Progressive	$1014	$171
Nationwide	$1061	$176
Allstate	$1135	$191
State Farm	$1188	$200

Key Takeaways

Way's key takeaways about car insurance in Cottageville

The auto insurance costs in Cottageville fall around $383 for six months.
The cheapest auto insurance company in Cottageville is American National.
Teen drivers pay the highest rate in Cottageville at $31 per month.

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Cheapest Minimum Liability Car Insurance in Cottageville

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 Cottageville are given below.

American National provides the cheapest minimum car insurance coverage in Cottageville. Their Average 6 Month Premium is $168. State Farm is the most expensive at $537 for the same period.

Cheapest Liability Coverage in Cottageville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$168	$28
American National P&C	$208	$35
Encompass	$249	$42
USAA	$249	$42
South Carolina Farm Bureau	$269	$45
Auto-Owners Insurance Co	$302	$51
American Family	$370	$63
Progressive	$383	$64
Auto-Owners	$409	$69
Farm Bureau	$416	$69
Travelers	$457	$77
Allstate	$470	$79
Nationwide	$510	$87
State Farm	$537	$90

Cheapest Full Coverage Car Insurance in Cottageville

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 Cottageville is American National P&C at $66 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cottageville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$383	$66
South Carolina Farm Bureau	$497	$82
American National	$550	$93
Auto-Owners Insurance Co	$571	$95
American Family	$866	$147
Farm Bureau	$872	$146
Encompass	$893	$151
Auto-Owners	$966	$163
USAA	$966	$163
Travelers	$1000	$168
Progressive	$1014	$171
Nationwide	$1061	$176
Allstate	$1135	$191
State Farm	$1188	$200

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Average Car Insurance in Cottageville 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 Cottageville, SC increasing?

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

Car Insurance Premiums by Age in Cottageville

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 Cottageville,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 Cottageville at $41 per month. At $181 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	$242	$41
South Carolina Farm Bureau	$349	$60
Auto-Owners Insurance Co	$383	$63
American Family	$416	$71
Travelers	$1504	$253
Farm Bureau	$1611	$273
Allstate	$1987	$334
USAA	$1993	$336
Auto-Owners	$2618	$441
Progressive	$2826	$476
State Farm	$2947	$496
Nationwide	$3847	$654
American National	$181	$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 Cottageville, South Carolina Farm Bureau is the cheapest car insurance provider. At $504 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 Cottageville is State Farm, offering rates of around $4189 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$504	$84
American National P&C	$705	$120
American Family	$806	$134
Auto-Owners Insurance Co	$845	$144
USAA	$1080	$180
Progressive	$1262	$212
Travelers	$1288	$217
Allstate	$1450	$244
Farm Bureau	$1571	$262
Nationwide	$1618	$275
Auto-Owners	$2497	$416
State Farm	$4189	$712

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Car Insurance Rates with An Accident in Cottageville

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

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

The cheapest car insurance companies after an at-fault accident in Cottageville include American National and American National P&C, offering $215 and $276, respectively. Allstate is an expensive provider with an average six-month premium of $2068.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$215	$36
American National P&C	$276	$46
Encompass	$308	$52
South Carolina Farm Bureau	$342	$59
American Family	$383	$63
Auto-Owners Insurance Co	$436	$75
Farm Bureau	$966	$163
Travelers	$980	$165
USAA	$1014	$171
Auto-Owners	$1087	$183
Progressive	$1342	$226
State Farm	$1571	$264
Nationwide	$2048	$341
Allstate	$2068	$348

Cottageville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cottageville SC. For example, the car insurance in Cottageville after a DUI increases to $785 for a six month policy. While the rate increases by $342 for a six-month policy in the case of a speeding ticket.

Cottageville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1356	$226
One Med/PIP claim	$1356	$231
Not-at-fault accident	$1429	$238
Two Med/PIP claims	$1443	$245
One comp claim	$1450	$242
Two comp claims	$1497	$254
Failure to wear a seat belt	$1550	$259
Child safety restraint	$1584	$269
Driving without lights	$1584	$264
Failure to show documents	$1598	$271
Failure to yield	$1644	$275
Failure to stop at a red light	$1651	$280
Driving too slowly	$1698	$283
Speeding 6 - 10 MPH over limit	$1698	$289
Speeding in school zone	$1698	$283
At-fault accident - less than $1000	$1705	$290
In 65 MPH zone	$1705	$284
Driving with expired registration	$1712	$292
Following too closely	$1712	$285
Illegal turn	$1712	$292
Speeding 11 - 15 MPH over limit	$1712	$285
Wrong way/wrong lane	$1712	$292
Cell phone violation	$1719	$286
Texting while driving	$1719	$293
Improper passing	$1726	$287
Operating a vehicle without permission	$1726	$294
Speeding 16 - 20 MPH over limit	$1726	$287
Speeding 21 - 25 MPH over limit	$1726	$294
Passing school bus	$1751	$292
Open container	$1765	$301
At-fault accident - $1000-$2000	$1947	$324
At-fault accident - greater than $2000	$1947	$331
Refusal to submit to a chemical test	$2114	$353
DUI	$2141	$364
Reckless driving	$2194	$366
Driving with a suspended license	$2201	$374
Racing	$2208	$368
Leaving scene of an accident/hit and run	$2283	$388

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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 Cottageville 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 Cottageville.

The cheapest car insurance premiums in Cottageville are offered by American National P&C at $308 for a six-month policy. However, it can be as expensive as $262 with companies like American National.

Cottageville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$308	$52
American Family	$322	$54
South Carolina Farm Bureau	$329	$55
Auto-Owners Insurance Co	$685	$116
Farm Bureau	$812	$137
Travelers	$973	$164
Progressive	$1014	$171
USAA	$1067	$180
State Farm	$1242	$209
Allstate	$1423	$240
Auto-Owners	$1785	$297
Nationwide	$1954	$332
American National	$262	$44

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 Cottageville are offered by American National P&C at $276. However, it can be as expensive as $1269 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Cottageville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$276	$46
South Carolina Farm Bureau	$308	$52
Auto-Owners Insurance Co	$342	$56
American Family	$390	$67
Auto-Owners	$819	$137
USAA	$852	$145
State Farm	$879	$148
Farm Bureau	$953	$162
Travelers	$973	$164
Progressive	$1054	$177
Allstate	$1215	$205
Nationwide	$1269	$216

Car Insurance Price Trends in Cottageville, South Carolina

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

The average cost of full coverage in the Cottageville rose by $197 in December compared to $194 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Cottageville rose to $66 in December, compared to $62 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 Cottageville?

The car insurance in Cottageville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Cottageville?

The cheapest car insurance in Cottageville is $66 per month for full coverage.

How much is car insurance in Cottageville for teenagers?

Car insurance for teenagers costs $242 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 Cottageville?

The average cost of car insurance is $756 for a six-month policy. It will cost around $144 per month to insure your car in Cottageville.

Is car insurance expensive in Cottageville?

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

What is the best car insurance in Cottageville, SC?

The best car insurance company in Cottageville SC is American National P&C, offering $383 for a six-month policy.