Cheapest Car Insurance Quotes in Estill

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406,175 Policies Sold

Estill Car Insurance

^$ 32

/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 Estill

The car insurance rate in Estill is $1045 for a six-month policy, which is $216 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $427, making it a popular choice for budget-conscious drivers. Rates in Estill 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 Estill

$1045

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Estill

1st place: American National P&C

At $427 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 $554 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 $614 for six months, making it the third cheapest auto insurance company in Estill.

Estill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Estill, SC is American National P&C, offering policies at just $427 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $554.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1698 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Estill drivers find the best deals.

Cheap Car Insurance Companies in Estill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$427	$73
South Carolina Farm Bureau	$554	$92
American National	$614	$103
Auto-Owners Insurance Co	$636	$106
American Family	$965	$164
Encompass	$995	$166
USAA	$1100	$185
Auto-Owners	$1123	$189
Travelers	$1160	$195
Progressive	$1220	$205
Farm Bureau	$1242	$212
Allstate	$1444	$243
State Farm	$1459	$246
Nationwide	$1698	$284

Key Takeaways

Way's key takeaways about car insurance in Estill

The auto insurance costs in Estill fall around $427 for six months.
The cheapest auto insurance company in Estill is American National.
Teen drivers pay the highest rate in Estill at $34 per month.

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Cheapest Minimum Liability Car Insurance in Estill

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 Estill are given below.

American National provides the cheapest minimum car insurance coverage in Estill. Their Average 6 Month Premium is $188. Nationwide is the most expensive at $868 for the same period.

Cheapest Liability Coverage in Estill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$188	$32
American National P&C	$232	$39
Encompass	$277	$47
USAA	$285	$48
South Carolina Farm Bureau	$300	$50
Auto-Owners Insurance Co	$336	$57
American Family	$412	$71
Progressive	$435	$73
Auto-Owners	$486	$82
Travelers	$517	$87
Farm Bureau	$524	$89
Allstate	$532	$89
State Farm	$651	$110
Nationwide	$868	$145

Cheapest Full Coverage Car Insurance in Estill

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 Estill is American National P&C at $73 per month and $427 for six months.

Cheapest Full Coverage Car Insurance Quotes in Estill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$427	$73
South Carolina Farm Bureau	$554	$92
American National	$614	$103
Auto-Owners Insurance Co	$636	$106
American Family	$965	$164
Encompass	$995	$166
USAA	$1100	$185
Auto-Owners	$1123	$189
Travelers	$1160	$195
Progressive	$1220	$205
Farm Bureau	$1242	$212
Allstate	$1444	$243
State Farm	$1459	$246
Nationwide	$1698	$284

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Average Car Insurance in Estill 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 Estill, SC increasing?

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

Car Insurance Premiums by Age in Estill

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 Estill,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 Estill at $45 per month. At $202 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	$270	$45
South Carolina Farm Bureau	$389	$67
Auto-Owners Insurance Co	$427	$71
American Family	$464	$79
Travelers	$1894	$319
Farm Bureau	$2238	$381
USAA	$2327	$392
Allstate	$2574	$433
Auto-Owners	$2792	$470
Progressive	$3503	$590
State Farm	$3704	$624
Nationwide	$4386	$746
American National	$202	$34

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 Estill, South Carolina Farm Bureau is the cheapest car insurance provider. At $562 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 Estill is State Farm, offering rates of around $6309 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$562	$93
American National P&C	$786	$134
American Family	$898	$150
Auto-Owners Insurance Co	$942	$160
USAA	$1310	$218
Travelers	$1624	$273
Progressive	$1685	$284
Allstate	$2059	$347
Farm Bureau	$2230	$372
Nationwide	$2567	$436
Auto-Owners	$3144	$524
State Farm	$6309	$1072

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Car Insurance Rates with An Accident in Estill

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

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

The cheapest car insurance companies after an at-fault accident in Estill include American National and American National P&C, offering $239 and $307, respectively. Nationwide is an expensive provider with an average six-month premium of $2447.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$239	$40
American National P&C	$307	$52
Encompass	$344	$58
South Carolina Farm Bureau	$382	$66
American Family	$427	$71
Auto-Owners Insurance Co	$486	$83
Auto-Owners	$1011	$170
USAA	$1018	$171
Travelers	$1033	$174
Farm Bureau	$1145	$193
Progressive	$1482	$249
State Farm	$1617	$272
Allstate	$2312	$389
Nationwide	$2447	$416

Estill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Estill SC. For example, the car insurance in Estill after a DUI increases to $876 for a six month policy. While the rate increases by $382 for a six-month policy in the case of a speeding ticket.

Estill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1512	$252
One Med/PIP claim	$1512	$257
Not-at-fault accident	$1594	$266
Two Med/PIP claims	$1609	$273
One comp claim	$1617	$270
Two comp claims	$1670	$284
Failure to wear a seat belt	$1729	$289
Child safety restraint	$1767	$300
Driving without lights	$1767	$295
Failure to show documents	$1782	$302
Failure to yield	$1833	$306
Failure to stop at a red light	$1841	$312
Driving too slowly	$1894	$315
Speeding 6 - 10 MPH over limit	$1894	$323
Speeding in school zone	$1894	$315
At-fault accident - less than $1000	$1901	$324
In 65 MPH zone	$1901	$316
Driving with expired registration	$1909	$325
Following too closely	$1909	$318
Illegal turn	$1909	$325
Speeding 11 - 15 MPH over limit	$1909	$318
Wrong way/wrong lane	$1909	$325
Cell phone violation	$1916	$319
Texting while driving	$1916	$326
Improper passing	$1924	$320
Operating a vehicle without permission	$1924	$328
Speeding 16 - 20 MPH over limit	$1924	$320
Speeding 21 - 25 MPH over limit	$1924	$328
Passing school bus	$1953	$325
Open container	$1968	$335
At-fault accident - $1000-$2000	$2171	$362
At-fault accident - greater than $2000	$2171	$369
Refusal to submit to a chemical test	$2357	$393
DUI	$2388	$406
Reckless driving	$2447	$408
Driving with a suspended license	$2454	$417
Racing	$2462	$411
Leaving scene of an accident/hit and run	$2545	$432

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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 Estill 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 Estill.

The cheapest car insurance premiums in Estill are offered by American National P&C at $344 for a six-month policy. However, it can be as expensive as $292 with companies like American National.

Estill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$344	$58
American Family	$359	$60
South Carolina Farm Bureau	$367	$62
Auto-Owners Insurance Co	$764	$130
Farm Bureau	$1062	$179
Travelers	$1168	$197
USAA	$1235	$208
Progressive	$1242	$209
State Farm	$1639	$276
Allstate	$1826	$307
Auto-Owners	$2380	$397
Nationwide	$3248	$552
American National	$292	$49

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 Estill are offered by American National P&C at $307. However, it can be as expensive as $2065 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Estill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$307	$52
South Carolina Farm Bureau	$344	$58
Auto-Owners Insurance Co	$382	$63
American Family	$435	$74
USAA	$1033	$173
Auto-Owners	$1085	$184
State Farm	$1189	$200
Travelers	$1205	$203
Farm Bureau	$1347	$224
Progressive	$1407	$237
Allstate	$1698	$286
Nationwide	$2065	$352

Car Insurance Price Trends in Estill, South Carolina

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

The average cost of full coverage in the Estill rose by $246 in January compared to $219 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Estill rose to $76 in January, compared to $73 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Estill?

The car insurance in Estill is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Estill?

The cheapest car insurance in Estill is $73 per month for full coverage.

How much is car insurance in Estill for teenagers?

Car insurance for teenagers costs $270 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 Estill?

The average cost of car insurance is $829 for a six-month policy. It will cost around $175 per month to insure your car in Estill.

Is car insurance expensive in Estill?

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

What is the best car insurance in Estill, SC?

The best car insurance company in Estill SC is American National P&C, offering $427 for a six-month policy.