Cheapest Car Insurance Quotes in Gray Court

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Gray Court Car Insurance

^$ 24

/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 Gray Court

The car insurance rate in Gray Court is $788 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $322, making it a popular choice for budget-conscious drivers. Rates in Gray Court 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 Gray Court

$788

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Gray Court

1st place: American National P&C

At $322 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 $418 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 $463 for six months, making it the third cheapest auto insurance company in Gray Court.

Gray Court Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gray Court, SC is American National P&C, offering policies at just $322 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $418.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1281 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gray Court drivers find the best deals.

Cheap Car Insurance Companies in Gray Court, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$322	$55
South Carolina Farm Bureau	$418	$69
American National	$463	$78
Auto-Owners Insurance Co	$480	$80
American Family	$728	$124
Encompass	$751	$125
USAA	$829	$140
Auto-Owners	$846	$143
Travelers	$875	$147
Progressive	$920	$155
Farm Bureau	$937	$160
Allstate	$1089	$183
State Farm	$1100	$185
Nationwide	$1281	$214

Key Takeaways

Way's key takeaways about car insurance in Gray Court

The auto insurance costs in Gray Court fall around $322 for six months.
The cheapest auto insurance company in Gray Court is American National.
Teen drivers pay the highest rate in Gray Court at $26 per month.

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Cheapest Minimum Liability Car Insurance in Gray Court

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 Gray Court are given below.

American National provides the cheapest minimum car insurance coverage in Gray Court. Their Average 6 Month Premium is $142. Nationwide is the most expensive at $655 for the same period.

Cheapest Liability Coverage in Gray Court, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$142	$24
American National P&C	$175	$29
Encompass	$209	$35
USAA	$215	$36
South Carolina Farm Bureau	$226	$38
Auto-Owners Insurance Co	$254	$43
American Family	$311	$53
Progressive	$328	$55
Auto-Owners	$367	$62
Travelers	$390	$66
Farm Bureau	$395	$67
Allstate	$401	$67
State Farm	$491	$83
Nationwide	$655	$109

Cheapest Full Coverage Car Insurance in Gray Court

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 Gray Court is American National P&C at $55 per month and $322 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gray Court, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$322	$55
South Carolina Farm Bureau	$418	$69
American National	$463	$78
Auto-Owners Insurance Co	$480	$80
American Family	$728	$124
Encompass	$751	$125
USAA	$829	$140
Auto-Owners	$846	$143
Travelers	$875	$147
Progressive	$920	$155
Farm Bureau	$937	$160
Allstate	$1089	$183
State Farm	$1100	$185
Nationwide	$1281	$214

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Average Car Insurance in Gray Court 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 Gray Court, SC increasing?

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

Car Insurance Premiums by Age in Gray Court

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 Gray Court,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 Gray Court at $34 per month. At $152 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	$203	$34
South Carolina Farm Bureau	$294	$50
Auto-Owners Insurance Co	$322	$53
American Family	$350	$60
Travelers	$1428	$240
Farm Bureau	$1687	$287
USAA	$1755	$295
Allstate	$1941	$327
Auto-Owners	$2105	$354
Progressive	$2641	$445
State Farm	$2793	$470
Nationwide	$3307	$562
American National	$152	$26

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 Gray Court, South Carolina Farm Bureau is the cheapest car insurance provider. At $424 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 Gray Court is State Farm, offering rates of around $4757 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$424	$70
American National P&C	$593	$101
American Family	$677	$113
Auto-Owners Insurance Co	$711	$121
USAA	$988	$164
Travelers	$1225	$206
Progressive	$1270	$214
Allstate	$1552	$261
Farm Bureau	$1682	$280
Nationwide	$1935	$329
Auto-Owners	$2370	$395
State Farm	$4757	$808

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Car Insurance Rates with An Accident in Gray Court

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gray Court

The cheapest car insurance companies after an at-fault accident in Gray Court include American National and American National P&C, offering $181 and $232, respectively. Nationwide is an expensive provider with an average six-month premium of $1845.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$181	$30
American National P&C	$232	$39
Encompass	$259	$44
South Carolina Farm Bureau	$288	$49
American Family	$322	$53
Auto-Owners Insurance Co	$367	$63
Auto-Owners	$762	$128
USAA	$768	$129
Travelers	$779	$131
Farm Bureau	$864	$145
Progressive	$1117	$188
State Farm	$1219	$205
Allstate	$1743	$294
Nationwide	$1845	$314

Gray Court Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gray Court SC. For example, the car insurance in Gray Court after a DUI increases to $660 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Gray Court auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1140	$194
Not-at-fault accident	$1202	$200
Two Med/PIP claims	$1213	$206
One comp claim	$1219	$203
Two comp claims	$1259	$214
Failure to wear a seat belt	$1303	$218
Child safety restraint	$1332	$226
Driving without lights	$1332	$222
Failure to show documents	$1343	$228
Failure to yield	$1382	$231
Failure to stop at a red light	$1388	$236
Driving too slowly	$1428	$238
Speeding 6 - 10 MPH over limit	$1428	$243
Speeding in school zone	$1428	$238
At-fault accident - less than $1000	$1434	$244
In 65 MPH zone	$1434	$238
Driving with expired registration	$1439	$245
Following too closely	$1439	$239
Illegal turn	$1439	$245
Speeding 11 - 15 MPH over limit	$1439	$239
Wrong way/wrong lane	$1439	$245
Cell phone violation	$1445	$240
Texting while driving	$1445	$246
Improper passing	$1451	$241
Operating a vehicle without permission	$1451	$247
Speeding 16 - 20 MPH over limit	$1451	$241
Speeding 21 - 25 MPH over limit	$1451	$247
Passing school bus	$1473	$245
Open container	$1484	$253
At-fault accident - $1000-$2000	$1637	$273
At-fault accident - greater than $2000	$1637	$278
Refusal to submit to a chemical test	$1777	$296
DUI	$1800	$306
Reckless driving	$1845	$308
Driving with a suspended license	$1851	$314
Racing	$1856	$310
Leaving scene of an accident/hit and run	$1919	$326

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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 Gray Court 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 Gray Court.

The cheapest car insurance premiums in Gray Court are offered by American National P&C at $259 for a six-month policy. However, it can be as expensive as $220 with companies like American National.

Gray Court car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$259	$44
American Family	$271	$46
South Carolina Farm Bureau	$276	$47
Auto-Owners Insurance Co	$576	$98
Farm Bureau	$801	$135
Travelers	$881	$148
USAA	$931	$157
Progressive	$937	$158
State Farm	$1236	$208
Allstate	$1377	$232
Auto-Owners	$1795	$299
Nationwide	$2449	$416
American National	$220	$37

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 Gray Court are offered by American National P&C at $232. However, it can be as expensive as $1557 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Gray Court after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$232	$39
South Carolina Farm Bureau	$259	$44
Auto-Owners Insurance Co	$288	$48
American Family	$328	$56
USAA	$779	$130
Auto-Owners	$818	$139
State Farm	$897	$151
Travelers	$908	$153
Farm Bureau	$1016	$169
Progressive	$1061	$179
Allstate	$1281	$216
Nationwide	$1557	$265

Car Insurance Price Trends in Gray Court, South Carolina

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

The average cost of full coverage in the Gray Court rose by $185 in January compared to $165 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Gray Court rose to $57 in January, compared to $55 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 Gray Court?

The car insurance in Gray Court is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Gray Court?

The cheapest car insurance in Gray Court is $55 per month for full coverage.

How much is car insurance in Gray Court for teenagers?

Car insurance for teenagers costs $203 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 Gray Court?

The average cost of car insurance is $829 for a six-month policy. It will cost around $132 per month to insure your car in Gray Court.

Is car insurance expensive in Gray Court?

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

What is the best car insurance in Gray Court, SC?

The best car insurance company in Gray Court SC is American National P&C, offering $322 for a six-month policy.