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Finding the cheapest car insurance quotes in Edisto Island 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.
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 Edisto Island
The car insurance rate in Edisto Island is $877 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $393, making it a popular choice for budget-conscious drivers. Rates in Edisto Island 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.
At $393 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 $510 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 $565
for six months, making it
the third cheapest auto insurance company in Edisto Island.
Edisto Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Edisto Island, SC is American National P&C, offering policies at just $393 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $510.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1219 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edisto Island drivers find the best deals.
Cheap Car Insurance Companies in Edisto Island, SC
Way's key takeaways about car insurance in Edisto Island
The auto insurance costs in Edisto Island fall around $393 for six
months.
The cheapest auto insurance company in Edisto Island is American National.
Teen drivers pay the highest rate in Edisto Island at $31 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 Edisto Island
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 Edisto Island are given below.
American National provides
the cheapest minimum car insurance
coverage in Edisto Island. Their Average 6 Month Premium is $173.
State Farm is the most
expensive at $551 for the same
period.
Cheapest Full Coverage Car Insurance in Edisto Island
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 Edisto Island is American National P&C
at $67 per month and $393
for six months.
Cheapest Full Coverage Car Insurance Quotes in Edisto Island,
SC
Get Your Car Insurance Quote in Edisto Island
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Average Car Insurance in Edisto Island 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 Edisto Island, SC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Edisto Island, 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, Edisto Island's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Edisto Island
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Edisto Island,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 Edisto Island at $42
per
month. At $186 for a six-month premium,
American National offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Edisto Island.
As young drivers face the highest rates in Edisto Island, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Edisto Island,
South Carolina Farm Bureau is
the cheapest car insurance provider. At $517 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
Edisto Island is State Farm, offering
rates of around $4300 for six
months.
Save up to $971/yr on car insurance rates in Edisto Island.
Car Insurance Rates with An Accident in Edisto Island
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 Edisto Island, SC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Edisto Island
The cheapest car insurance companies after an at-fault accident in
Edisto Island include American National
and American National P&C, offering $220
and $283,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2123.
Here is a list of driving violations that can increase your car
insurance rates in Edisto Island SC. For example, the car
insurance in Edisto Island
after a DUI increases to $806 for a six
month policy. While the rate increases by $351 for a six-month policy in the case of
a speeding ticket.
Edisto Island auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1392
$232
One Med/PIP claim
$1392
$237
Not-at-fault accident
$1467
$245
Two Med/PIP claims
$1481
$252
One comp claim
$1488
$248
Two comp claims
$1537
$261
Failure to wear a seat belt
$1592
$266
Child safety restraint
$1626
$276
Driving without lights
$1626
$271
Failure to show documents
$1640
$278
Failure to yield
$1688
$282
Failure to stop at a red light
$1695
$288
Driving too slowly
$1743
$290
Speeding 6 - 10 MPH over limit
$1743
$297
Speeding in school zone
$1743
$290
At-fault accident - less than $1000
$1750
$298
In 65 MPH zone
$1750
$291
Driving with expired registration
$1757
$299
Following too closely
$1757
$292
Illegal turn
$1757
$299
Speeding 11 - 15 MPH over limit
$1757
$292
Wrong way/wrong lane
$1757
$299
Cell phone violation
$1764
$293
Texting while driving
$1764
$300
Improper passing
$1771
$295
Operating a vehicle without permission
$1771
$302
Speeding 16 - 20 MPH over limit
$1771
$295
Speeding 21 - 25 MPH over limit
$1771
$302
Passing school bus
$1798
$299
Open container
$1812
$309
At-fault accident - $1000-$2000
$1999
$333
At-fault accident - greater than $2000
$1999
$340
Refusal to submit to a chemical test
$2170
$362
DUI
$2198
$374
Reckless driving
$2253
$376
Driving with a suspended license
$2260
$384
Racing
$2267
$378
Leaving scene of an accident/hit and run
$2343
$398
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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 Edisto Island 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 Edisto Island.
The cheapest car insurance premiums in
Edisto Island are
offered by American National P&C at $317 for a six-month policy.
However, it can be as
expensive as $269 with companies
like American National.
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 Edisto Island are offered by American National P&C
at $283. However,
it can be as expensive as $1303
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Edisto Island after Speeding ticket
Car Insurance Price Trends in Edisto Island,
South Carolina
Car insurance rates in Edisto Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Edisto Island rose by
$202 in December
compared to $200 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 Edisto Island rose to $67 in December,
compared to $64 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Edisto Island by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Edisto Island. At $1753 for a
six-month policy, insuring
your car at 29438 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Edisto Island?
The car insurance in Edisto Island is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Edisto Island?
The cheapest car insurance in Edisto Island
is $67 per month
for full coverage.
How much is car insurance in Edisto Island for teenagers?
Car insurance for teenagers costs $248 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
Edisto Island?
The average cost of car insurance is $756 for a six-month
policy. It will cost around $147 per month to insure your
car in Edisto Island.
Is car insurance expensive in Edisto Island?
Car insurance can be expensive in Edisto Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Edisto Island can be
affordable.
What is the best car insurance in Edisto Island,
SC?
The best car insurance company in Edisto Island
SC is
American National P&C, offering $393 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Edisto Island, SC
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Edisto Island Car Insurance
