Cheapest Car Insurance Quotes in Fairfax

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406,175 Policies Sold

Fairfax Car Insurance

^$ 31

/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 Fairfax

The car insurance rate in Fairfax is $1036 for a six-month policy, which is $207 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Fairfax 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 Fairfax

$1036

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Fairfax

1st place: American National P&C

At $424 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 $550 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 $609 for six months, making it the third cheapest auto insurance company in Fairfax.

Fairfax Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fairfax, SC is American National P&C, offering policies at just $424 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $550.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1685 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fairfax drivers find the best deals.

Cheap Car Insurance Companies in Fairfax, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$424	$73
South Carolina Farm Bureau	$550	$91
American National	$609	$103
Auto-Owners Insurance Co	$631	$105
American Family	$958	$163
Encompass	$988	$165
USAA	$1091	$184
Auto-Owners	$1114	$188
Travelers	$1151	$194
Progressive	$1210	$204
Farm Bureau	$1233	$210
Allstate	$1433	$241
State Farm	$1448	$244
Nationwide	$1685	$281

Key Takeaways

Way's key takeaways about car insurance in Fairfax

The auto insurance costs in Fairfax fall around $424 for six months.
The cheapest auto insurance company in Fairfax is American National.
Teen drivers pay the highest rate in Fairfax at $34 per month.

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Cheapest Minimum Liability Car Insurance in Fairfax

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 Fairfax are given below.

American National provides the cheapest minimum car insurance coverage in Fairfax. Their Average 6 Month Premium is $186. Nationwide is the most expensive at $861 for the same period.

Cheapest Liability Coverage in Fairfax, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$186	$31
American National P&C	$230	$39
Encompass	$275	$46
USAA	$283	$48
South Carolina Farm Bureau	$298	$50
Auto-Owners Insurance Co	$334	$56
American Family	$409	$70
Progressive	$431	$73
Auto-Owners	$483	$81
Travelers	$513	$86
Farm Bureau	$520	$89
Allstate	$528	$89
State Farm	$646	$109
Nationwide	$861	$144

Cheapest Full Coverage Car Insurance in Fairfax

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 Fairfax is American National P&C at $73 per month and $424 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fairfax, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$424	$73
South Carolina Farm Bureau	$550	$91
American National	$609	$103
Auto-Owners Insurance Co	$631	$105
American Family	$958	$163
Encompass	$988	$165
USAA	$1091	$184
Auto-Owners	$1114	$188
Travelers	$1151	$194
Progressive	$1210	$204
Farm Bureau	$1233	$210
Allstate	$1433	$241
State Farm	$1448	$244
Nationwide	$1685	$281

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Average Car Insurance in Fairfax 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 Fairfax, SC increasing?

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

Car Insurance Premiums by Age in Fairfax

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 Fairfax,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 Fairfax at $45 per month. At $200 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	$268	$45
South Carolina Farm Bureau	$386	$66
Auto-Owners Insurance Co	$424	$70
American Family	$460	$79
Travelers	$1879	$316
Farm Bureau	$2220	$378
USAA	$2309	$389
Allstate	$2554	$430
Auto-Owners	$2770	$466
Progressive	$3475	$585
State Farm	$3675	$619
Nationwide	$4351	$740
American National	$200	$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 Fairfax, South Carolina Farm Bureau is the cheapest car insurance provider. At $558 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 Fairfax is State Farm, offering rates of around $6259 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$558	$93
American National P&C	$780	$133
American Family	$891	$149
Auto-Owners Insurance Co	$935	$159
USAA	$1300	$216
Travelers	$1611	$271
Progressive	$1671	$281
Allstate	$2043	$344
Farm Bureau	$2213	$369
Nationwide	$2546	$433
Auto-Owners	$3119	$520
State Farm	$6259	$1064

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Car Insurance Rates with An Accident in Fairfax

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

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

The cheapest car insurance companies after an at-fault accident in Fairfax include American National and American National P&C, offering $238 and $305, respectively. Nationwide is an expensive provider with an average six-month premium of $2428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$238	$40
American National P&C	$305	$51
Encompass	$341	$58
South Carolina Farm Bureau	$379	$65
American Family	$424	$70
Auto-Owners Insurance Co	$483	$83
Auto-Owners	$1003	$169
USAA	$1010	$170
Travelers	$1025	$173
Farm Bureau	$1136	$191
Progressive	$1470	$248
State Farm	$1604	$270
Allstate	$2294	$386
Nationwide	$2428	$413

Fairfax Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fairfax SC. For example, the car insurance in Fairfax after a DUI increases to $869 for a six month policy. While the rate increases by $379 for a six-month policy in the case of a speeding ticket.

Fairfax auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1500	$250
One Med/PIP claim	$1500	$255
Not-at-fault accident	$1581	$264
Two Med/PIP claims	$1596	$271
One comp claim	$1604	$268
Two comp claims	$1656	$281
Failure to wear a seat belt	$1715	$286
Child safety restraint	$1753	$298
Driving without lights	$1753	$293
Failure to show documents	$1768	$300
Failure to yield	$1819	$304
Failure to stop at a red light	$1826	$310
Driving too slowly	$1879	$313
Speeding 6 - 10 MPH over limit	$1879	$320
Speeding in school zone	$1879	$313
At-fault accident - less than $1000	$1886	$321
In 65 MPH zone	$1886	$314
Driving with expired registration	$1894	$323
Following too closely	$1894	$315
Illegal turn	$1894	$323
Speeding 11 - 15 MPH over limit	$1894	$315
Wrong way/wrong lane	$1894	$323
Cell phone violation	$1901	$316
Texting while driving	$1901	$324
Improper passing	$1909	$318
Operating a vehicle without permission	$1909	$325
Speeding 16 - 20 MPH over limit	$1909	$318
Speeding 21 - 25 MPH over limit	$1909	$325
Passing school bus	$1938	$323
Open container	$1953	$333
At-fault accident - $1000-$2000	$2154	$359
At-fault accident - greater than $2000	$2154	$366
Refusal to submit to a chemical test	$2339	$390
DUI	$2369	$403
Reckless driving	$2428	$405
Driving with a suspended license	$2435	$414
Racing	$2443	$408
Leaving scene of an accident/hit and run	$2525	$429

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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 Fairfax 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 Fairfax.

The cheapest car insurance premiums in Fairfax are offered by American National P&C at $341 for a six-month policy. However, it can be as expensive as $290 with companies like American National.

Fairfax car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$341	$58
American Family	$356	$60
South Carolina Farm Bureau	$364	$61
Auto-Owners Insurance Co	$758	$129
Farm Bureau	$1054	$178
Travelers	$1159	$195
USAA	$1225	$206
Progressive	$1233	$208
State Farm	$1626	$274
Allstate	$1811	$305
Auto-Owners	$2361	$394
Nationwide	$3223	$548
American National	$290	$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 Fairfax are offered by American National P&C at $305. However, it can be as expensive as $2049 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Fairfax after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$305	$51
South Carolina Farm Bureau	$341	$58
Auto-Owners Insurance Co	$379	$63
American Family	$431	$74
USAA	$1025	$171
Auto-Owners	$1076	$183
State Farm	$1180	$199
Travelers	$1195	$201
Farm Bureau	$1336	$223
Progressive	$1396	$235
Allstate	$1685	$284
Nationwide	$2049	$349

Car Insurance Price Trends in Fairfax, South Carolina

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

The average cost of full coverage in the Fairfax rose by $244 in January compared to $218 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Fairfax rose to $75 in January, compared to $73 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 Fairfax?

The car insurance in Fairfax is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Fairfax?

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

How much is car insurance in Fairfax for teenagers?

Car insurance for teenagers costs $268 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 Fairfax?

The average cost of car insurance is $829 for a six-month policy. It will cost around $174 per month to insure your car in Fairfax.

Is car insurance expensive in Fairfax?

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

What is the best car insurance in Fairfax, SC?

The best car insurance company in Fairfax SC is American National P&C, offering $424 for a six-month policy.