Cheapest Car Insurance Quotes in Hopkins

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406,175 Policies Sold

Hopkins Car Insurance

^$ 27

/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 Hopkins

The car insurance rate in Hopkins is $879 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, making it a popular choice for budget-conscious drivers. Rates in Hopkins 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 Hopkins

$879

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Hopkins

1st place: American National P&C

At $359 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 $466 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 $516 for six months, making it the third cheapest auto insurance company in Hopkins.

Hopkins Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hopkins, SC is American National P&C, offering policies at just $359 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $466.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1429 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hopkins drivers find the best deals.

Cheap Car Insurance Companies in Hopkins, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$359	$61
South Carolina Farm Bureau	$466	$77
American National	$516	$87
Auto-Owners Insurance Co	$535	$89
American Family	$812	$138
Encompass	$837	$140
USAA	$925	$156
Auto-Owners	$944	$159
Travelers	$976	$164
Progressive	$1026	$173
Farm Bureau	$1045	$178
Allstate	$1215	$205
State Farm	$1227	$207
Nationwide	$1429	$239

Key Takeaways

Way's key takeaways about car insurance in Hopkins

The auto insurance costs in Hopkins fall around $359 for six months.
The cheapest auto insurance company in Hopkins is American National.
Teen drivers pay the highest rate in Hopkins at $29 per month.

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Cheapest Minimum Liability Car Insurance in Hopkins

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 Hopkins are given below.

American National provides the cheapest minimum car insurance coverage in Hopkins. Their Average 6 Month Premium is $158. Nationwide is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Hopkins, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$158	$27
American National P&C	$195	$33
Encompass	$233	$39
USAA	$240	$40
South Carolina Farm Bureau	$252	$42
Auto-Owners Insurance Co	$283	$48
American Family	$347	$59
Progressive	$366	$61
Auto-Owners	$409	$69
Travelers	$435	$73
Farm Bureau	$441	$75
Allstate	$447	$75
State Farm	$548	$92
Nationwide	$730	$122

Cheapest Full Coverage Car Insurance in Hopkins

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 Hopkins is American National P&C at $61 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hopkins, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$359	$61
South Carolina Farm Bureau	$466	$77
American National	$516	$87
Auto-Owners Insurance Co	$535	$89
American Family	$812	$138
Encompass	$837	$140
USAA	$925	$156
Auto-Owners	$944	$159
Travelers	$976	$164
Progressive	$1026	$173
Farm Bureau	$1045	$178
Allstate	$1215	$205
State Farm	$1227	$207
Nationwide	$1429	$239

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Average Car Insurance in Hopkins 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 Hopkins, SC increasing?

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

Car Insurance Premiums by Age in Hopkins

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 Hopkins,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 Hopkins at $38 per month. At $170 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	$227	$38
South Carolina Farm Bureau	$328	$56
Auto-Owners Insurance Co	$359	$59
American Family	$390	$67
Travelers	$1593	$268
Farm Bureau	$1883	$320
USAA	$1958	$330
Allstate	$2166	$365
Auto-Owners	$2349	$395
Progressive	$2947	$496
State Farm	$3116	$525
Nationwide	$3690	$628
American National	$170	$29

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 Hopkins, South Carolina Farm Bureau is the cheapest car insurance provider. At $473 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 Hopkins is State Farm, offering rates of around $5307 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$473	$78
American National P&C	$661	$112
American Family	$756	$126
Auto-Owners Insurance Co	$793	$135
USAA	$1102	$183
Travelers	$1366	$230
Progressive	$1417	$239
Allstate	$1732	$292
Farm Bureau	$1876	$313
Nationwide	$2159	$367
Auto-Owners	$2645	$441
State Farm	$5307	$902

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Car Insurance Rates with An Accident in Hopkins

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

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

The cheapest car insurance companies after an at-fault accident in Hopkins include American National and American National P&C, offering $201 and $259, respectively. Nationwide is an expensive provider with an average six-month premium of $2059.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$201	$34
American National P&C	$259	$43
Encompass	$289	$49
South Carolina Farm Bureau	$321	$55
American Family	$359	$59
Auto-Owners Insurance Co	$409	$70
Auto-Owners	$850	$143
USAA	$856	$144
Travelers	$869	$146
Farm Bureau	$964	$162
Progressive	$1247	$210
State Farm	$1360	$229
Allstate	$1945	$328
Nationwide	$2059	$350

Hopkins Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hopkins SC. For example, the car insurance in Hopkins after a DUI increases to $737 for a six month policy. While the rate increases by $321 for a six-month policy in the case of a speeding ticket.

Hopkins auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1272	$212
One Med/PIP claim	$1272	$216
Not-at-fault accident	$1341	$224
Two Med/PIP claims	$1354	$230
One comp claim	$1360	$227
Two comp claims	$1405	$239
Failure to wear a seat belt	$1454	$243
Child safety restraint	$1486	$252
Driving without lights	$1486	$248
Failure to show documents	$1499	$254
Failure to yield	$1542	$258
Failure to stop at a red light	$1549	$263
Driving too slowly	$1593	$265
Speeding 6 - 10 MPH over limit	$1593	$271
Speeding in school zone	$1593	$265
At-fault accident - less than $1000	$1600	$272
In 65 MPH zone	$1600	$266
Driving with expired registration	$1606	$273
Following too closely	$1606	$267
Illegal turn	$1606	$273
Speeding 11 - 15 MPH over limit	$1606	$267
Wrong way/wrong lane	$1606	$273
Cell phone violation	$1612	$268
Texting while driving	$1612	$275
Improper passing	$1619	$269
Operating a vehicle without permission	$1619	$276
Speeding 16 - 20 MPH over limit	$1619	$269
Speeding 21 - 25 MPH over limit	$1619	$276
Passing school bus	$1643	$273
Open container	$1656	$282
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Refusal to submit to a chemical test	$1983	$331
DUI	$2009	$341
Reckless driving	$2059	$343
Driving with a suspended license	$2065	$351
Racing	$2071	$346
Leaving scene of an accident/hit and run	$2141	$364

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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 Hopkins 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 Hopkins.

The cheapest car insurance premiums in Hopkins are offered by American National P&C at $289 for a six-month policy. However, it can be as expensive as $246 with companies like American National.

Hopkins car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$289	$49
American Family	$302	$51
South Carolina Farm Bureau	$308	$52
Auto-Owners Insurance Co	$642	$109
Farm Bureau	$894	$151
Travelers	$983	$165
USAA	$1039	$175
Progressive	$1045	$176
State Farm	$1379	$232
Allstate	$1536	$259
Auto-Owners	$2002	$334
Nationwide	$2733	$464
American National	$246	$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 Hopkins are offered by American National P&C at $259. However, it can be as expensive as $1737 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Hopkins after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$259	$43
South Carolina Farm Bureau	$289	$49
Auto-Owners Insurance Co	$321	$53
American Family	$366	$63
USAA	$869	$145
Auto-Owners	$913	$155
State Farm	$1001	$169
Travelers	$1013	$171
Farm Bureau	$1133	$189
Progressive	$1184	$199
Allstate	$1429	$241
Nationwide	$1737	$296

Car Insurance Price Trends in Hopkins, South Carolina

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

The average cost of full coverage in the Hopkins rose by $207 in January compared to $184 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Hopkins rose to $64 in January, compared to $61 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hopkins?

The car insurance in Hopkins is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Hopkins?

The cheapest car insurance in Hopkins is $61 per month for full coverage.

How much is car insurance in Hopkins for teenagers?

Car insurance for teenagers costs $227 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 Hopkins?

The average cost of car insurance is $829 for a six-month policy. It will cost around $147 per month to insure your car in Hopkins.

Is car insurance expensive in Hopkins?

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

What is the best car insurance in Hopkins, SC?

The best car insurance company in Hopkins SC is American National P&C, offering $359 for a six-month policy.