Cheapest Car Insurance Quotes in Gayle Mill

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Gayle Mill Car Insurance

^$ 26

/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 Gayle Mill

The car insurance rate in Gayle Mill is $854 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Gayle Mill 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 Gayle Mill

$854

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Gayle Mill

1st place: American National P&C

At $349 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 $453 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 $502 for six months, making it the third cheapest auto insurance company in Gayle Mill.

Gayle Mill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gayle Mill, SC is American National P&C, offering policies at just $349 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $453.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1388 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gayle Mill drivers find the best deals.

Cheap Car Insurance Companies in Gayle Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$349	$60
South Carolina Farm Bureau	$453	$75
American National	$502	$84
Auto-Owners Insurance Co	$520	$87
American Family	$789	$134
Encompass	$814	$136
USAA	$899	$151
Auto-Owners	$918	$155
Travelers	$949	$160
Progressive	$997	$168
Farm Bureau	$1016	$173
Allstate	$1180	$199
State Farm	$1193	$201
Nationwide	$1388	$232

Key Takeaways

Way's key takeaways about car insurance in Gayle Mill

The auto insurance costs in Gayle Mill fall around $349 for six months.
The cheapest auto insurance company in Gayle Mill is American National.
Teen drivers pay the highest rate in Gayle Mill at $28 per month.

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Cheapest Minimum Liability Car Insurance in Gayle Mill

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 Gayle Mill are given below.

American National provides the cheapest minimum car insurance coverage in Gayle Mill. Their Average 6 Month Premium is $153. Nationwide is the most expensive at $710 for the same period.

Cheapest Liability Coverage in Gayle Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$153	$26
American National P&C	$190	$32
Encompass	$227	$38
USAA	$233	$39
South Carolina Farm Bureau	$245	$41
Auto-Owners Insurance Co	$275	$46
American Family	$337	$58
Progressive	$355	$60
Auto-Owners	$398	$67
Travelers	$422	$71
Farm Bureau	$428	$73
Allstate	$435	$73
State Farm	$533	$90
Nationwide	$710	$118

Cheapest Full Coverage Car Insurance in Gayle Mill

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 Gayle Mill is American National P&C at $60 per month and $349 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gayle Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$349	$60
South Carolina Farm Bureau	$453	$75
American National	$502	$84
Auto-Owners Insurance Co	$520	$87
American Family	$789	$134
Encompass	$814	$136
USAA	$899	$151
Auto-Owners	$918	$155
Travelers	$949	$160
Progressive	$997	$168
Farm Bureau	$1016	$173
Allstate	$1180	$199
State Farm	$1193	$201
Nationwide	$1388	$232

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Average Car Insurance in Gayle Mill 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 Gayle Mill, SC increasing?

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

Car Insurance Premiums by Age in Gayle Mill

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 Gayle Mill,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 Gayle Mill at $37 per month. At $165 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	$220	$37
South Carolina Farm Bureau	$318	$55
Auto-Owners Insurance Co	$349	$58
American Family	$379	$65
Travelers	$1548	$261
Farm Bureau	$1829	$311
USAA	$1902	$320
Allstate	$2104	$354
Auto-Owners	$2282	$384
Progressive	$2863	$482
State Farm	$3028	$510
Nationwide	$3585	$610
American National	$165	$28

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 Gayle Mill, South Carolina Farm Bureau is the cheapest car insurance provider. At $459 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 Gayle Mill is State Farm, offering rates of around $5157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$459	$76
American National P&C	$643	$109
American Family	$734	$123
Auto-Owners Insurance Co	$770	$131
USAA	$1071	$178
Travelers	$1328	$224
Progressive	$1377	$232
Allstate	$1683	$283
Farm Bureau	$1823	$304
Nationwide	$2098	$356
Auto-Owners	$2570	$428
State Farm	$5157	$877

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Car Insurance Rates with An Accident in Gayle Mill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gayle Mill

The cheapest car insurance companies after an at-fault accident in Gayle Mill include American National and American National P&C, offering $196 and $251, respectively. Nationwide is an expensive provider with an average six-month premium of $2000.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$196	$33
American National P&C	$251	$42
Encompass	$281	$47
South Carolina Farm Bureau	$312	$54
American Family	$349	$58
Auto-Owners Insurance Co	$398	$68
Auto-Owners	$826	$139
USAA	$832	$140
Travelers	$845	$142
Farm Bureau	$936	$158
Progressive	$1211	$204
State Farm	$1321	$222
Allstate	$1890	$318
Nationwide	$2000	$340

Gayle Mill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gayle Mill SC. For example, the car insurance in Gayle Mill after a DUI increases to $716 for a six month policy. While the rate increases by $312 for a six-month policy in the case of a speeding ticket.

Gayle Mill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One Med/PIP claim	$1236	$210
Not-at-fault accident	$1303	$217
Two Med/PIP claims	$1315	$224
One comp claim	$1321	$220
Two comp claims	$1365	$232
Failure to wear a seat belt	$1413	$236
Child safety restraint	$1444	$245
Driving without lights	$1444	$241
Failure to show documents	$1456	$247
Failure to yield	$1499	$250
Failure to stop at a red light	$1505	$255
Driving too slowly	$1548	$258
Speeding 6 - 10 MPH over limit	$1548	$264
Speeding in school zone	$1548	$258
At-fault accident - less than $1000	$1554	$265
In 65 MPH zone	$1554	$259
Driving with expired registration	$1560	$266
Following too closely	$1560	$260
Illegal turn	$1560	$266
Speeding 11 - 15 MPH over limit	$1560	$260
Wrong way/wrong lane	$1560	$266
Cell phone violation	$1567	$261
Texting while driving	$1567	$267
Improper passing	$1573	$262
Operating a vehicle without permission	$1573	$268
Speeding 16 - 20 MPH over limit	$1573	$262
Speeding 21 - 25 MPH over limit	$1573	$268
Passing school bus	$1597	$266
Open container	$1609	$274
At-fault accident - $1000-$2000	$1775	$296
At-fault accident - greater than $2000	$1775	$302
Refusal to submit to a chemical test	$1927	$321
DUI	$1952	$332
Reckless driving	$2000	$334
Driving with a suspended license	$2006	$341
Racing	$2013	$336
Leaving scene of an accident/hit and run	$2081	$353

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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 Gayle Mill 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 Gayle Mill.

The cheapest car insurance premiums in Gayle Mill are offered by American National P&C at $281 for a six-month policy. However, it can be as expensive as $239 with companies like American National.

Gayle Mill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$281	$47
American Family	$294	$49
South Carolina Farm Bureau	$300	$50
Auto-Owners Insurance Co	$624	$106
Farm Bureau	$868	$146
Travelers	$955	$161
USAA	$1009	$170
Progressive	$1016	$171
State Farm	$1340	$226
Allstate	$1492	$251
Auto-Owners	$1946	$324
Nationwide	$2655	$451
American National	$239	$40

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 Gayle Mill are offered by American National P&C at $251. However, it can be as expensive as $1688 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Gayle Mill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$251	$42
South Carolina Farm Bureau	$281	$47
Auto-Owners Insurance Co	$312	$52
American Family	$355	$61
USAA	$845	$141
Auto-Owners	$887	$150
State Farm	$972	$164
Travelers	$985	$166
Farm Bureau	$1101	$183
Progressive	$1151	$194
Allstate	$1388	$234
Nationwide	$1688	$287

Car Insurance Price Trends in Gayle Mill, South Carolina

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

The average cost of full coverage in the Gayle Mill rose by $201 in January compared to $179 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Gayle Mill rose to $62 in January, compared to $60 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 Gayle Mill?

The car insurance in Gayle Mill is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Gayle Mill?

The cheapest car insurance in Gayle Mill is $60 per month for full coverage.

How much is car insurance in Gayle Mill for teenagers?

Car insurance for teenagers costs $220 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 Gayle Mill?

The average cost of car insurance is $829 for a six-month policy. It will cost around $143 per month to insure your car in Gayle Mill.

Is car insurance expensive in Gayle Mill?

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

What is the best car insurance in Gayle Mill, SC?

The best car insurance company in Gayle Mill SC is American National P&C, offering $349 for a six-month policy.