Cheapest Car Insurance Quotes in Fair Play

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Fair Play Car Insurance

^$ 23

/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 Fair Play

The car insurance rate in Fair Play is $763 for a six-month policy, which is $66 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Fair Play 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 Fair Play

$763

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Fair Play

1st place: American National P&C

At $312 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 $405 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 $448 for six months, making it the third cheapest auto insurance company in Fair Play.

Fair Play Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fair Play, SC is American National P&C, offering policies at just $312 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $405.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1240 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fair Play drivers find the best deals.

Cheap Car Insurance Companies in Fair Play, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$312	$53
South Carolina Farm Bureau	$405	$67
American National	$448	$75
Auto-Owners Insurance Co	$465	$77
American Family	$705	$120
Encompass	$727	$121
USAA	$803	$135
Auto-Owners	$820	$138
Travelers	$847	$143
Progressive	$891	$150
Farm Bureau	$907	$155
Allstate	$1054	$178
State Farm	$1065	$179
Nationwide	$1240	$207

Key Takeaways

Way's key takeaways about car insurance in Fair Play

The auto insurance costs in Fair Play fall around $312 for six months.
The cheapest auto insurance company in Fair Play is American National.
Teen drivers pay the highest rate in Fair Play at $25 per month.

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Cheapest Minimum Liability Car Insurance in Fair Play

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 Fair Play are given below.

American National provides the cheapest minimum car insurance coverage in Fair Play. Their Average 6 Month Premium is $137. Nationwide is the most expensive at $634 for the same period.

Cheapest Liability Coverage in Fair Play, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$137	$23
American National P&C	$169	$29
Encompass	$202	$34
USAA	$208	$35
South Carolina Farm Bureau	$219	$37
Auto-Owners Insurance Co	$246	$41
American Family	$301	$52
Progressive	$317	$53
Auto-Owners	$355	$60
Travelers	$377	$63
Farm Bureau	$383	$65
Allstate	$388	$65
State Farm	$476	$80
Nationwide	$634	$106

Cheapest Full Coverage Car Insurance in Fair Play

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 Fair Play is American National P&C at $53 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fair Play, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$312	$53
South Carolina Farm Bureau	$405	$67
American National	$448	$75
Auto-Owners Insurance Co	$465	$77
American Family	$705	$120
Encompass	$727	$121
USAA	$803	$135
Auto-Owners	$820	$138
Travelers	$847	$143
Progressive	$891	$150
Farm Bureau	$907	$155
Allstate	$1054	$178
State Farm	$1065	$179
Nationwide	$1240	$207

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Average Car Insurance in Fair Play 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 Fair Play, SC increasing?

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

Car Insurance Premiums by Age in Fair Play

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 Fair Play,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 Fair Play at $33 per month. At $147 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	$197	$33
South Carolina Farm Bureau	$284	$49
Auto-Owners Insurance Co	$312	$52
American Family	$339	$58
Travelers	$1383	$233
Farm Bureau	$1634	$278
USAA	$1699	$286
Allstate	$1880	$316
Auto-Owners	$2039	$343
Progressive	$2558	$431
State Farm	$2705	$455
Nationwide	$3203	$545
American National	$147	$25

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 Fair Play, South Carolina Farm Bureau is the cheapest car insurance provider. At $410 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 Fair Play is State Farm, offering rates of around $4606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$410	$68
American National P&C	$574	$98
American Family	$656	$109
Auto-Owners Insurance Co	$688	$117
USAA	$957	$159
Travelers	$1186	$200
Progressive	$1230	$207
Allstate	$1503	$253
Farm Bureau	$1628	$271
Nationwide	$1874	$318
Auto-Owners	$2295	$383
State Farm	$4606	$783

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Car Insurance Rates with An Accident in Fair Play

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fair Play

The cheapest car insurance companies after an at-fault accident in Fair Play include American National and American National P&C, offering $175 and $224, respectively. Nationwide is an expensive provider with an average six-month premium of $1787.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$175	$29
American National P&C	$224	$38
Encompass	$251	$42
South Carolina Farm Bureau	$279	$48
American Family	$312	$52
Auto-Owners Insurance Co	$355	$61
Auto-Owners	$738	$124
USAA	$743	$125
Travelers	$754	$127
Farm Bureau	$836	$141
Progressive	$1082	$182
State Farm	$1180	$199
Allstate	$1688	$284
Nationwide	$1787	$304

Fair Play Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fair Play SC. For example, the car insurance in Fair Play after a DUI increases to $639 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Fair Play auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1104	$184
One Med/PIP claim	$1104	$188
Not-at-fault accident	$1164	$194
Two Med/PIP claims	$1175	$200
One comp claim	$1180	$197
Two comp claims	$1219	$207
Failure to wear a seat belt	$1262	$211
Child safety restraint	$1290	$219
Driving without lights	$1290	$215
Failure to show documents	$1301	$221
Failure to yield	$1339	$224
Failure to stop at a red light	$1344	$228
Driving too slowly	$1383	$230
Speeding 6 - 10 MPH over limit	$1383	$236
Speeding in school zone	$1383	$230
At-fault accident - less than $1000	$1388	$236
In 65 MPH zone	$1388	$231
Driving with expired registration	$1394	$237
Following too closely	$1394	$232
Illegal turn	$1394	$237
Speeding 11 - 15 MPH over limit	$1394	$232
Wrong way/wrong lane	$1394	$237
Cell phone violation	$1399	$233
Texting while driving	$1399	$238
Improper passing	$1405	$234
Operating a vehicle without permission	$1405	$239
Speeding 16 - 20 MPH over limit	$1405	$234
Speeding 21 - 25 MPH over limit	$1405	$239
Passing school bus	$1426	$237
Open container	$1437	$245
At-fault accident - $1000-$2000	$1585	$264
At-fault accident - greater than $2000	$1585	$270
Refusal to submit to a chemical test	$1721	$287
DUI	$1743	$296
Reckless driving	$1787	$298
Driving with a suspended license	$1792	$305
Racing	$1798	$300
Leaving scene of an accident/hit and run	$1858	$316

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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 Fair Play 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 Fair Play.

The cheapest car insurance premiums in Fair Play are offered by American National P&C at $251 for a six-month policy. However, it can be as expensive as $213 with companies like American National.

Fair Play car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$251	$42
American Family	$262	$44
South Carolina Farm Bureau	$268	$45
Auto-Owners Insurance Co	$558	$95
Farm Bureau	$776	$131
Travelers	$853	$144
USAA	$902	$152
Progressive	$907	$153
State Farm	$1197	$201
Allstate	$1333	$224
Auto-Owners	$1738	$290
Nationwide	$2372	$403
American National	$213	$36

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 Fair Play are offered by American National P&C at $224. However, it can be as expensive as $1508 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fair Play after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$224	$38
South Carolina Farm Bureau	$251	$42
Auto-Owners Insurance Co	$279	$46
American Family	$317	$54
USAA	$754	$126
Auto-Owners	$792	$134
State Farm	$868	$146
Travelers	$880	$148
Farm Bureau	$983	$164
Progressive	$1028	$173
Allstate	$1240	$209
Nationwide	$1508	$257

Car Insurance Price Trends in Fair Play, South Carolina

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

The average cost of full coverage in the Fair Play rose by $179 in January compared to $160 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Fair Play rose to $55 in January, compared to $53 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 Fair Play?

The car insurance in Fair Play is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Fair Play?

The cheapest car insurance in Fair Play is $53 per month for full coverage.

How much is car insurance in Fair Play for teenagers?

Car insurance for teenagers costs $197 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 Fair Play?

The average cost of car insurance is $829 for a six-month policy. It will cost around $128 per month to insure your car in Fair Play.

Is car insurance expensive in Fair Play?

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

What is the best car insurance in Fair Play, SC?

The best car insurance company in Fair Play SC is American National P&C, offering $312 for a six-month policy.