Cheapest Car Insurance Quotes in Heath Springs

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Heath Springs 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 Heath Springs

The car insurance rate in Heath Springs is $862 for a six-month policy, which is $33 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Heath Springs 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 Heath Springs

$862

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Heath Springs

1st place: American National P&C

At $353 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 $458 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 $506 for six months, making it the third cheapest auto insurance company in Heath Springs.

Heath Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Heath Springs, SC is American National P&C, offering policies at just $353 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $458.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1402 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heath Springs drivers find the best deals.

Cheap Car Insurance Companies in Heath Springs, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$353	$60
South Carolina Farm Bureau	$458	$76
American National	$506	$85
Auto-Owners Insurance Co	$525	$87
American Family	$797	$135
Encompass	$822	$137
USAA	$908	$153
Auto-Owners	$927	$156
Travelers	$958	$161
Progressive	$1007	$170
Farm Bureau	$1025	$175
Allstate	$1192	$201
State Farm	$1204	$203
Nationwide	$1402	$234

Key Takeaways

Way's key takeaways about car insurance in Heath Springs

The auto insurance costs in Heath Springs fall around $353 for six months.
The cheapest auto insurance company in Heath Springs is American National.
Teen drivers pay the highest rate in Heath Springs at $28 per month.

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Cheapest Minimum Liability Car Insurance in Heath Springs

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 Heath Springs are given below.

American National provides the cheapest minimum car insurance coverage in Heath Springs. Their Average 6 Month Premium is $155. Nationwide is the most expensive at $717 for the same period.

Cheapest Liability Coverage in Heath Springs, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$155	$26
American National P&C	$191	$32
Encompass	$229	$38
USAA	$235	$40
South Carolina Farm Bureau	$248	$42
Auto-Owners Insurance Co	$278	$47
American Family	$340	$58
Progressive	$359	$60
Auto-Owners	$401	$68
Travelers	$426	$72
Farm Bureau	$433	$74
Allstate	$439	$74
State Farm	$538	$90
Nationwide	$717	$120

Cheapest Full Coverage Car Insurance in Heath Springs

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 Heath Springs is American National P&C at $60 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Heath Springs, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$353	$60
South Carolina Farm Bureau	$458	$76
American National	$506	$85
Auto-Owners Insurance Co	$525	$87
American Family	$797	$135
Encompass	$822	$137
USAA	$908	$153
Auto-Owners	$927	$156
Travelers	$958	$161
Progressive	$1007	$170
Farm Bureau	$1025	$175
Allstate	$1192	$201
State Farm	$1204	$203
Nationwide	$1402	$234

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Average Car Insurance in Heath Springs 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 Heath Springs, SC increasing?

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

Car Insurance Premiums by Age in Heath Springs

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 Heath Springs,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 Heath Springs at $37 per month. At $166 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	$223	$37
South Carolina Farm Bureau	$321	$55
Auto-Owners Insurance Co	$353	$58
American Family	$383	$66
Travelers	$1563	$263
Farm Bureau	$1847	$314
USAA	$1921	$323
Allstate	$2125	$358
Auto-Owners	$2305	$388
Progressive	$2891	$487
State Farm	$3058	$515
Nationwide	$3620	$616
American National	$166	$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 Heath Springs, South Carolina Farm Bureau is the cheapest car insurance provider. At $464 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 Heath Springs is State Farm, offering rates of around $5207 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$464	$77
American National P&C	$649	$110
American Family	$742	$124
Auto-Owners Insurance Co	$778	$132
USAA	$1082	$180
Travelers	$1341	$226
Progressive	$1390	$234
Allstate	$1699	$286
Farm Bureau	$1841	$307
Nationwide	$2118	$360
Auto-Owners	$2595	$433
State Farm	$5207	$885

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Car Insurance Rates with An Accident in Heath Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Heath Springs

The cheapest car insurance companies after an at-fault accident in Heath Springs include American National and American National P&C, offering $198 and $254, respectively. Nationwide is an expensive provider with an average six-month premium of $2020.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$198	$33
American National P&C	$254	$43
Encompass	$284	$48
South Carolina Farm Bureau	$315	$54
American Family	$353	$58
Auto-Owners Insurance Co	$401	$69
Auto-Owners	$834	$140
USAA	$840	$141
Travelers	$853	$144
Farm Bureau	$945	$159
Progressive	$1223	$206
State Farm	$1334	$225
Allstate	$1908	$321
Nationwide	$2020	$343

Heath Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Heath Springs SC. For example, the car insurance in Heath Springs after a DUI increases to $723 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

Heath Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1248	$208
One Med/PIP claim	$1248	$212
Not-at-fault accident	$1316	$219
Two Med/PIP claims	$1328	$226
One comp claim	$1334	$223
Two comp claims	$1378	$234
Failure to wear a seat belt	$1427	$238
Child safety restraint	$1458	$248
Driving without lights	$1458	$243
Failure to show documents	$1471	$250
Failure to yield	$1513	$253
Failure to stop at a red light	$1519	$258
Driving too slowly	$1563	$260
Speeding 6 - 10 MPH over limit	$1563	$266
Speeding in school zone	$1563	$260
At-fault accident - less than $1000	$1569	$267
In 65 MPH zone	$1569	$261
Driving with expired registration	$1576	$268
Following too closely	$1576	$262
Illegal turn	$1576	$268
Speeding 11 - 15 MPH over limit	$1576	$262
Wrong way/wrong lane	$1576	$268
Cell phone violation	$1582	$263
Texting while driving	$1582	$269
Improper passing	$1588	$264
Operating a vehicle without permission	$1588	$270
Speeding 16 - 20 MPH over limit	$1588	$264
Speeding 21 - 25 MPH over limit	$1588	$270
Passing school bus	$1612	$268
Open container	$1624	$277
At-fault accident - $1000-$2000	$1792	$298
At-fault accident - greater than $2000	$1792	$305
Refusal to submit to a chemical test	$1946	$324
DUI	$1971	$335
Reckless driving	$2020	$337
Driving with a suspended license	$2026	$344
Racing	$2032	$339
Leaving scene of an accident/hit and run	$2101	$357

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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 Heath Springs 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 Heath Springs.

The cheapest car insurance premiums in Heath Springs are offered by American National P&C at $284 for a six-month policy. However, it can be as expensive as $241 with companies like American National.

Heath Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$284	$48
American Family	$296	$50
South Carolina Farm Bureau	$303	$51
Auto-Owners Insurance Co	$630	$107
Farm Bureau	$877	$148
Travelers	$964	$162
USAA	$1019	$172
Progressive	$1025	$173
State Farm	$1353	$228
Allstate	$1507	$254
Auto-Owners	$1965	$328
Nationwide	$2681	$456
American National	$241	$41

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 Heath Springs are offered by American National P&C at $254. However, it can be as expensive as $1705 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Heath Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$254	$43
South Carolina Farm Bureau	$284	$48
Auto-Owners Insurance Co	$315	$52
American Family	$359	$61
USAA	$853	$142
Auto-Owners	$895	$152
State Farm	$982	$165
Travelers	$994	$167
Farm Bureau	$1112	$185
Progressive	$1162	$196
Allstate	$1402	$236
Nationwide	$1705	$290

Car Insurance Price Trends in Heath Springs, South Carolina

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

The average cost of full coverage in the Heath Springs rose by $203 in January compared to $181 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 Heath Springs 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 Heath Springs?

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

What is the cheapest car insurance in Heath Springs?

The cheapest car insurance in Heath Springs is $60 per month for full coverage.

How much is car insurance in Heath Springs for teenagers?

Car insurance for teenagers costs $223 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 Heath Springs?

The average cost of car insurance is $829 for a six-month policy. It will cost around $145 per month to insure your car in Heath Springs.

Is car insurance expensive in Heath Springs?

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

What is the best car insurance in Heath Springs, SC?

The best car insurance company in Heath Springs SC is American National P&C, offering $353 for a six-month policy.