Cheapest Car Insurance Quotes in Estill

Finding the cheapest car insurance quotes in Estill 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Estill Car Insurance

^$ 30

/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 $900 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $403, 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

$900

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Estill

1st place: American National P&C

At $403 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 $524 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 $580 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 $403 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $524.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1251 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	$403	$69
South Carolina Farm Bureau	$524	$87
American National	$580	$98
Auto-Owners Insurance Co	$601	$100
American Family	$912	$155
Farm Bureau	$919	$154
Encompass	$940	$159
Auto-Owners	$1017	$171
USAA	$1017	$171
Travelers	$1053	$177
Progressive	$1067	$180
Nationwide	$1117	$186
Allstate	$1195	$201
State Farm	$1251	$211

Key Takeaways

Way's key takeaways about car insurance in Estill

The auto insurance costs in Estill fall around $403 for six months.
The cheapest auto insurance company in Estill is American National.
Teen drivers pay the highest rate in Estill at $32 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 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 $177. State Farm is the most expensive at $565 for the same period.

Cheapest Liability Coverage in Estill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$177	$30
American National P&C	$219	$37
Encompass	$262	$44
USAA	$262	$44
South Carolina Farm Bureau	$283	$48
Auto-Owners Insurance Co	$318	$54
American Family	$389	$67
Progressive	$403	$68
Auto-Owners	$431	$73
Farm Bureau	$438	$73
Travelers	$481	$81
Allstate	$495	$83
Nationwide	$537	$92
State Farm	$565	$95

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 $69 per month and $403 for six months.

Cheapest Full Coverage Car Insurance Quotes in Estill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$403	$69
South Carolina Farm Bureau	$524	$87
American National	$580	$98
Auto-Owners Insurance Co	$601	$100
American Family	$912	$155
Farm Bureau	$919	$154
Encompass	$940	$159
Auto-Owners	$1017	$171
USAA	$1017	$171
Travelers	$1053	$177
Progressive	$1067	$180
Nationwide	$1117	$186
Allstate	$1195	$201
State Farm	$1251	$211

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Estill Instantly!

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

undefined

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 $43 per month. At $190 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	$255	$43
South Carolina Farm Bureau	$368	$63
Auto-Owners Insurance Co	$403	$67
American Family	$438	$75
Travelers	$1584	$267
Farm Bureau	$1697	$288
Allstate	$2092	$352
USAA	$2099	$353
Auto-Owners	$2757	$464
Progressive	$2976	$501
State Farm	$3104	$522
Nationwide	$4051	$689
American National	$190	$32

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 $531 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 $4411 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$531	$88
American National P&C	$743	$126
American Family	$848	$142
Auto-Owners Insurance Co	$890	$151
USAA	$1138	$189
Progressive	$1329	$224
Travelers	$1357	$228
Allstate	$1527	$257
Farm Bureau	$1654	$276
Nationwide	$1704	$289
Auto-Owners	$2630	$438
State Farm	$4411	$750

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Estill.

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 $226 and $290, respectively. Allstate is an expensive provider with an average six-month premium of $2178.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$226	$38
American National P&C	$290	$49
Encompass	$325	$55
South Carolina Farm Bureau	$361	$62
American Family	$403	$67
Auto-Owners Insurance Co	$459	$79
Farm Bureau	$1017	$171
Travelers	$1032	$174
USAA	$1067	$180
Auto-Owners	$1145	$193
Progressive	$1414	$238
State Farm	$1654	$278
Nationwide	$2156	$359
Allstate	$2178	$367

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 $827 for a six month policy. While the rate increases by $361 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	$1428	$238
One Med/PIP claim	$1428	$243
Not-at-fault accident	$1505	$251
Two Med/PIP claims	$1520	$258
One comp claim	$1527	$255
Two comp claims	$1577	$268
Failure to wear a seat belt	$1633	$273
Child safety restraint	$1668	$283
Driving without lights	$1668	$278
Failure to show documents	$1683	$286
Failure to yield	$1731	$289
Failure to stop at a red light	$1739	$295
Driving too slowly	$1789	$298
Speeding 6 - 10 MPH over limit	$1789	$305
Speeding in school zone	$1789	$298
At-fault accident - less than $1000	$1796	$306
In 65 MPH zone	$1796	$299
Driving with expired registration	$1803	$307
Following too closely	$1803	$300
Illegal turn	$1803	$307
Speeding 11 - 15 MPH over limit	$1803	$300
Wrong way/wrong lane	$1803	$307
Cell phone violation	$1810	$301
Texting while driving	$1810	$308
Improper passing	$1817	$302
Operating a vehicle without permission	$1817	$309
Speeding 16 - 20 MPH over limit	$1817	$302
Speeding 21 - 25 MPH over limit	$1817	$309
Passing school bus	$1845	$307
Open container	$1859	$317
At-fault accident - $1000-$2000	$2050	$342
At-fault accident - greater than $2000	$2050	$349
Refusal to submit to a chemical test	$2226	$371
DUI	$2255	$383
Reckless driving	$2311	$386
Driving with a suspended license	$2318	$394
Racing	$2325	$388
Leaving scene of an accident/hit and run	$2404	$408

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $325 for a six-month policy. However, it can be as expensive as $276 with companies like American National.

Estill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$325	$55
American Family	$339	$57
South Carolina Farm Bureau	$346	$58
Auto-Owners Insurance Co	$721	$123
Farm Bureau	$856	$144
Travelers	$1025	$173
Progressive	$1067	$180
USAA	$1123	$189
State Farm	$1308	$220
Allstate	$1498	$252
Auto-Owners	$1880	$313
Nationwide	$2058	$350
American National	$276	$46

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 $290. However, it can be as expensive as $1336 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	$290	$49
South Carolina Farm Bureau	$325	$55
Auto-Owners Insurance Co	$361	$60
American Family	$411	$70
Auto-Owners	$863	$144
USAA	$897	$152
State Farm	$926	$156
Farm Bureau	$1003	$170
Travelers	$1025	$173
Progressive	$1110	$187
Allstate	$1279	$215
Nationwide	$1336	$227

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 $207 in December compared to $205 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 Estill rose to $69 in December, compared to $65 in November. This represents an increase of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Estill?

The car insurance in Estill is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Estill?

The cheapest car insurance in Estill is $69 per month for full coverage.

How much is car insurance in Estill for teenagers?

Car insurance for teenagers costs $255 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 $756 for a six-month policy. It will cost around $151 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 $403 for a six-month policy.