Cheapest Car Insurance Quotes in Hilton Head Island

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Hilton Head Island Car Insurance

^$ 23

/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 Hilton Head Island

The car insurance rate in Hilton Head Island is $688 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $308, making it a popular choice for budget-conscious drivers. Rates in Hilton Head Island 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 Hilton Head Island

$688

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Hilton Head Island

1st place: American National P&C

At $308 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 $400 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 $443 for six months, making it the third cheapest auto insurance company in Hilton Head Island.

Hilton Head Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hilton Head Island, SC is American National P&C, offering policies at just $308 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $400.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $956 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hilton Head Island drivers find the best deals.

Cheap Car Insurance Companies in Hilton Head Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$308	$53
South Carolina Farm Bureau	$400	$66
American National	$443	$75
Auto-Owners Insurance Co	$460	$76
American Family	$697	$118
Farm Bureau	$703	$117
Encompass	$719	$122
Auto-Owners	$778	$131
USAA	$778	$131
Travelers	$805	$136
Progressive	$816	$137
Nationwide	$854	$142
Allstate	$914	$154
State Farm	$956	$161

Key Takeaways

Way's key takeaways about car insurance in Hilton Head Island

The auto insurance costs in Hilton Head Island fall around $308 for six months.
The cheapest auto insurance company in Hilton Head Island is American National.
Teen drivers pay the highest rate in Hilton Head Island at $25 per month.

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Cheapest Minimum Liability Car Insurance in Hilton Head Island

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 Hilton Head Island are given below.

American National provides the cheapest minimum car insurance coverage in Hilton Head Island. Their Average 6 Month Premium is $136. State Farm is the most expensive at $432 for the same period.

Cheapest Liability Coverage in Hilton Head Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$136	$23
American National P&C	$167	$28
Encompass	$200	$34
USAA	$200	$34
South Carolina Farm Bureau	$217	$36
Auto-Owners Insurance Co	$243	$41
American Family	$298	$51
Progressive	$308	$52
Auto-Owners	$329	$56
Farm Bureau	$335	$56
Travelers	$368	$62
Allstate	$379	$64
Nationwide	$410	$70
State Farm	$432	$73

Cheapest Full Coverage Car Insurance in Hilton Head Island

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 Hilton Head Island is American National P&C at $53 per month and $308 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hilton Head Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$308	$53
South Carolina Farm Bureau	$400	$66
American National	$443	$75
Auto-Owners Insurance Co	$460	$76
American Family	$697	$118
Farm Bureau	$703	$117
Encompass	$719	$122
Auto-Owners	$778	$131
USAA	$778	$131
Travelers	$805	$136
Progressive	$816	$137
Nationwide	$854	$142
Allstate	$914	$154
State Farm	$956	$161

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Average Car Insurance in Hilton Head Island 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 Hilton Head Island, SC increasing?

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

Car Insurance Premiums by Age in Hilton Head Island

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 Hilton Head Island,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 Hilton Head Island at $33 per month. At $146 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	$195	$33
South Carolina Farm Bureau	$281	$48
Auto-Owners Insurance Co	$308	$51
American Family	$335	$57
Travelers	$1211	$204
Farm Bureau	$1298	$220
Allstate	$1600	$269
USAA	$1605	$270
Auto-Owners	$2108	$355
Progressive	$2276	$383
State Farm	$2373	$399
Nationwide	$3098	$527
American National	$146	$25

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 Hilton Head Island, South Carolina Farm Bureau is the cheapest car insurance provider. At $406 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 Hilton Head Island is State Farm, offering rates of around $3373 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$406	$67
American National P&C	$568	$96
American Family	$649	$108
Auto-Owners Insurance Co	$681	$116
USAA	$870	$145
Progressive	$1016	$171
Travelers	$1037	$175
Allstate	$1168	$197
Farm Bureau	$1265	$211
Nationwide	$1303	$221
Auto-Owners	$2011	$335
State Farm	$3373	$573

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Car Insurance Rates with An Accident in Hilton Head Island

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 Hilton Head Island, SC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hilton Head Island

The cheapest car insurance companies after an at-fault accident in Hilton Head Island include American National and American National P&C, offering $173 and $222, respectively. Allstate is an expensive provider with an average six-month premium of $1665.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$173	$29
American National P&C	$222	$37
Encompass	$248	$42
South Carolina Farm Bureau	$276	$47
American Family	$308	$51
Auto-Owners Insurance Co	$351	$60
Farm Bureau	$778	$131
Travelers	$789	$133
USAA	$816	$137
Auto-Owners	$875	$147
Progressive	$1081	$182
State Farm	$1265	$213
Nationwide	$1649	$275
Allstate	$1665	$280

Hilton Head Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hilton Head Island SC. For example, the car insurance in Hilton Head Island after a DUI increases to $632 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.

Hilton Head Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1092	$182
One Med/PIP claim	$1092	$186
Not-at-fault accident	$1151	$192
Two Med/PIP claims	$1162	$197
One comp claim	$1168	$195
Two comp claims	$1206	$205
Failure to wear a seat belt	$1249	$208
Child safety restraint	$1276	$217
Driving without lights	$1276	$213
Failure to show documents	$1287	$218
Failure to yield	$1324	$221
Failure to stop at a red light	$1330	$226
Driving too slowly	$1368	$228
Speeding 6 - 10 MPH over limit	$1368	$233
Speeding in school zone	$1368	$228
At-fault accident - less than $1000	$1373	$234
In 65 MPH zone	$1373	$228
Driving with expired registration	$1379	$235
Following too closely	$1379	$229
Illegal turn	$1379	$235
Speeding 11 - 15 MPH over limit	$1379	$229
Wrong way/wrong lane	$1379	$235
Cell phone violation	$1384	$230
Texting while driving	$1384	$236
Improper passing	$1390	$231
Operating a vehicle without permission	$1390	$237
Speeding 16 - 20 MPH over limit	$1390	$231
Speeding 21 - 25 MPH over limit	$1390	$237
Passing school bus	$1411	$235
Open container	$1421	$242
At-fault accident - $1000-$2000	$1568	$261
At-fault accident - greater than $2000	$1568	$267
Refusal to submit to a chemical test	$1703	$284
DUI	$1724	$293
Reckless driving	$1767	$295
Driving with a suspended license	$1773	$301
Racing	$1778	$297
Leaving scene of an accident/hit and run	$1838	$312

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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 Hilton Head Island 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 Hilton Head Island.

The cheapest car insurance premiums in Hilton Head Island are offered by American National P&C at $248 for a six-month policy. However, it can be as expensive as $211 with companies like American National.

Hilton Head Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$248	$42
American Family	$259	$44
South Carolina Farm Bureau	$265	$45
Auto-Owners Insurance Co	$551	$94
Farm Bureau	$654	$110
Travelers	$784	$132
Progressive	$816	$137
USAA	$859	$145
State Farm	$1000	$168
Allstate	$1146	$193
Auto-Owners	$1438	$239
Nationwide	$1573	$268
American National	$211	$35

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 Hilton Head Island are offered by American National P&C at $222. However, it can be as expensive as $1022 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Hilton Head Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$222	$37
South Carolina Farm Bureau	$248	$42
Auto-Owners Insurance Co	$276	$46
American Family	$314	$54
Auto-Owners	$660	$110
USAA	$686	$116
State Farm	$708	$119
Farm Bureau	$767	$130
Travelers	$784	$132
Progressive	$849	$143
Allstate	$978	$165
Nationwide	$1022	$174

Car Insurance Price Trends in Hilton Head Island, South Carolina

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

The average cost of full coverage in the Hilton Head Island rose by $158 in December compared to $157 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Hilton Head Island rose to $53 in December, compared to $50 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 Hilton Head Island?

The car insurance in Hilton Head Island is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Hilton Head Island?

The cheapest car insurance in Hilton Head Island is $53 per month for full coverage.

How much is car insurance in Hilton Head Island for teenagers?

Car insurance for teenagers costs $195 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 Hilton Head Island?

The average cost of car insurance is $756 for a six-month policy. It will cost around $116 per month to insure your car in Hilton Head Island.

Is car insurance expensive in Hilton Head Island?

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

What is the best car insurance in Hilton Head Island, SC?

The best car insurance company in Hilton Head Island SC is American National P&C, offering $308 for a six-month policy.