Cheapest Car Insurance Quotes in Gifford

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Gifford Car Insurance

^$ 29

/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 Gifford

The car insurance rate in Gifford is $877 for a six-month policy, which is $121 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $393, making it a popular choice for budget-conscious drivers. Rates in Gifford 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 Gifford

$877

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Gifford

1st place: American National P&C

At $393 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 $510 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 $565 for six months, making it the third cheapest auto insurance company in Gifford.

Gifford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gifford, SC is American National P&C, offering policies at just $393 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $510.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1219 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gifford drivers find the best deals.

Cheap Car Insurance Companies in Gifford, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$393	$67
South Carolina Farm Bureau	$510	$85
American National	$565	$95
Auto-Owners Insurance Co	$586	$97
American Family	$889	$151
Farm Bureau	$896	$150
Encompass	$916	$155
Auto-Owners	$992	$167
USAA	$992	$167
Travelers	$1027	$173
Progressive	$1041	$175
Nationwide	$1089	$181
Allstate	$1165	$196
State Farm	$1219	$205

Key Takeaways

Way's key takeaways about car insurance in Gifford

The auto insurance costs in Gifford fall around $393 for six months.
The cheapest auto insurance company in Gifford is American National.
Teen drivers pay the highest rate in Gifford at $31 per month.

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Cheapest Minimum Liability Car Insurance in Gifford

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 Gifford are given below.

American National provides the cheapest minimum car insurance coverage in Gifford. Their Average 6 Month Premium is $173. State Farm is the most expensive at $551 for the same period.

Cheapest Liability Coverage in Gifford, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$173	$29
American National P&C	$213	$36
Encompass	$255	$43
USAA	$255	$43
South Carolina Farm Bureau	$276	$46
Auto-Owners Insurance Co	$310	$52
American Family	$379	$65
Progressive	$393	$66
Auto-Owners	$420	$71
Farm Bureau	$427	$71
Travelers	$469	$79
Allstate	$483	$81
Nationwide	$523	$89
State Farm	$551	$93

Cheapest Full Coverage Car Insurance in Gifford

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 Gifford is American National P&C at $67 per month and $393 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gifford, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$393	$67
South Carolina Farm Bureau	$510	$85
American National	$565	$95
Auto-Owners Insurance Co	$586	$97
American Family	$889	$151
Farm Bureau	$896	$150
Encompass	$916	$155
Auto-Owners	$992	$167
USAA	$992	$167
Travelers	$1027	$173
Progressive	$1041	$175
Nationwide	$1089	$181
Allstate	$1165	$196
State Farm	$1219	$205

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Average Car Insurance in Gifford 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 Gifford, SC increasing?

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

Car Insurance Premiums by Age in Gifford

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 Gifford,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 Gifford at $42 per month. At $186 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	$248	$42
South Carolina Farm Bureau	$358	$61
Auto-Owners Insurance Co	$393	$65
American Family	$427	$73
Travelers	$1544	$260
Farm Bureau	$1654	$281
Allstate	$2039	$343
USAA	$2046	$345
Auto-Owners	$2688	$452
Progressive	$2901	$488
State Farm	$3025	$509
Nationwide	$3949	$672
American National	$186	$31

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 Gifford, South Carolina Farm Bureau is the cheapest car insurance provider. At $517 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 Gifford is State Farm, offering rates of around $4300 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$517	$86
American National P&C	$724	$123
American Family	$827	$138
Auto-Owners Insurance Co	$868	$147
USAA	$1109	$184
Progressive	$1296	$218
Travelers	$1322	$223
Allstate	$1488	$251
Farm Bureau	$1612	$269
Nationwide	$1661	$282
Auto-Owners	$2564	$427
State Farm	$4300	$731

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Car Insurance Rates with An Accident in Gifford

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

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

The cheapest car insurance companies after an at-fault accident in Gifford include American National and American National P&C, offering $220 and $283, respectively. Allstate is an expensive provider with an average six-month premium of $2123.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$220	$37
American National P&C	$283	$48
Encompass	$317	$53
South Carolina Farm Bureau	$351	$60
American Family	$393	$65
Auto-Owners Insurance Co	$448	$77
Farm Bureau	$992	$167
Travelers	$1006	$169
USAA	$1041	$175
Auto-Owners	$1116	$188
Progressive	$1378	$232
State Farm	$1612	$271
Nationwide	$2102	$350
Allstate	$2123	$357

Gifford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gifford SC. For example, the car insurance in Gifford after a DUI increases to $806 for a six month policy. While the rate increases by $351 for a six-month policy in the case of a speeding ticket.

Gifford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1392	$232
One Med/PIP claim	$1392	$237
Not-at-fault accident	$1467	$245
Two Med/PIP claims	$1481	$252
One comp claim	$1488	$248
Two comp claims	$1537	$261
Failure to wear a seat belt	$1592	$266
Child safety restraint	$1626	$276
Driving without lights	$1626	$271
Failure to show documents	$1640	$278
Failure to yield	$1688	$282
Failure to stop at a red light	$1695	$288
Driving too slowly	$1743	$290
Speeding 6 - 10 MPH over limit	$1743	$297
Speeding in school zone	$1743	$290
At-fault accident - less than $1000	$1750	$298
In 65 MPH zone	$1750	$291
Driving with expired registration	$1757	$299
Following too closely	$1757	$292
Illegal turn	$1757	$299
Speeding 11 - 15 MPH over limit	$1757	$292
Wrong way/wrong lane	$1757	$299
Cell phone violation	$1764	$293
Texting while driving	$1764	$300
Improper passing	$1771	$295
Operating a vehicle without permission	$1771	$302
Speeding 16 - 20 MPH over limit	$1771	$295
Speeding 21 - 25 MPH over limit	$1771	$302
Passing school bus	$1798	$299
Open container	$1812	$309
At-fault accident - $1000-$2000	$1999	$333
At-fault accident - greater than $2000	$1999	$340
Refusal to submit to a chemical test	$2170	$362
DUI	$2198	$374
Reckless driving	$2253	$376
Driving with a suspended license	$2260	$384
Racing	$2267	$378
Leaving scene of an accident/hit and run	$2343	$398

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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 Gifford 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 Gifford.

The cheapest car insurance premiums in Gifford are offered by American National P&C at $317 for a six-month policy. However, it can be as expensive as $269 with companies like American National.

Gifford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$317	$53
American Family	$331	$56
South Carolina Farm Bureau	$338	$57
Auto-Owners Insurance Co	$703	$119
Farm Bureau	$834	$140
Travelers	$999	$168
Progressive	$1041	$175
USAA	$1095	$184
State Farm	$1275	$215
Allstate	$1460	$246
Auto-Owners	$1833	$305
Nationwide	$2006	$341
American National	$269	$45

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 Gifford are offered by American National P&C at $283. However, it can be as expensive as $1303 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Gifford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$283	$48
South Carolina Farm Bureau	$317	$53
Auto-Owners Insurance Co	$351	$58
American Family	$400	$68
Auto-Owners	$841	$140
USAA	$875	$148
State Farm	$902	$152
Farm Bureau	$978	$166
Travelers	$999	$168
Progressive	$1082	$182
Allstate	$1247	$210
Nationwide	$1303	$222

Car Insurance Price Trends in Gifford, South Carolina

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

The average cost of full coverage in the Gifford rose by $202 in December compared to $200 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 Gifford rose to $67 in December, compared to $64 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Gifford?

The car insurance in Gifford is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Gifford?

The cheapest car insurance in Gifford is $67 per month for full coverage.

How much is car insurance in Gifford for teenagers?

Car insurance for teenagers costs $248 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 Gifford?

The average cost of car insurance is $756 for a six-month policy. It will cost around $147 per month to insure your car in Gifford.

Is car insurance expensive in Gifford?

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

What is the best car insurance in Gifford, SC?

The best car insurance company in Gifford SC is American National P&C, offering $393 for a six-month policy.