Cheapest Car Insurance Quotes in Kiawah Island

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Kiawah Island 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 Kiawah Island

The car insurance rate in Kiawah Island is $816 for a six-month policy, which is $60 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $366, making it a popular choice for budget-conscious drivers. Rates in Kiawah 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 Kiawah Island

$816

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Kiawah Island

1st place: American National P&C

At $366 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 $475 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 $526 for six months, making it the third cheapest auto insurance company in Kiawah Island.

Kiawah Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kiawah Island, SC is American National P&C, offering policies at just $366 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $475.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1135 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kiawah Island drivers find the best deals.

Cheap Car Insurance Companies in Kiawah Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$63
South Carolina Farm Bureau	$475	$79
American National	$526	$89
Auto-Owners Insurance Co	$545	$91
American Family	$827	$140
Farm Bureau	$834	$139
Encompass	$853	$145
Auto-Owners	$923	$156
USAA	$923	$156
Travelers	$956	$161
Progressive	$969	$163
Nationwide	$1014	$168
Allstate	$1084	$183
State Farm	$1135	$191

Key Takeaways

Way's key takeaways about car insurance in Kiawah Island

The auto insurance costs in Kiawah Island fall around $366 for six months.
The cheapest auto insurance company in Kiawah Island is American National.
Teen drivers pay the highest rate in Kiawah Island at $29 per month.

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Cheapest Minimum Liability Car Insurance in Kiawah 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 Kiawah Island are given below.

American National provides the cheapest minimum car insurance coverage in Kiawah Island. Their Average 6 Month Premium is $161. State Farm is the most expensive at $513 for the same period.

Cheapest Liability Coverage in Kiawah Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$161	$27
American National P&C	$199	$33
Encompass	$238	$40
USAA	$238	$40
South Carolina Farm Bureau	$257	$43
Auto-Owners Insurance Co	$288	$49
American Family	$353	$60
Progressive	$366	$62
Auto-Owners	$391	$66
Farm Bureau	$397	$66
Travelers	$436	$73
Allstate	$449	$76
Nationwide	$487	$83
State Farm	$513	$86

Cheapest Full Coverage Car Insurance in Kiawah 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 Kiawah Island is American National P&C at $63 per month and $366 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kiawah Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$63
South Carolina Farm Bureau	$475	$79
American National	$526	$89
Auto-Owners Insurance Co	$545	$91
American Family	$827	$140
Farm Bureau	$834	$139
Encompass	$853	$145
Auto-Owners	$923	$156
USAA	$923	$156
Travelers	$956	$161
Progressive	$969	$163
Nationwide	$1014	$168
Allstate	$1084	$183
State Farm	$1135	$191

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Average Car Insurance in Kiawah 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 Kiawah Island, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Kiawah 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, Kiawah 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 Kiawah 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 Kiawah 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 Kiawah Island at $39 per month. At $173 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	$231	$39
South Carolina Farm Bureau	$334	$57
Auto-Owners Insurance Co	$366	$60
American Family	$397	$68
Travelers	$1437	$242
Farm Bureau	$1540	$261
Allstate	$1899	$320
USAA	$1905	$321
Auto-Owners	$2502	$421
Progressive	$2701	$455
State Farm	$2817	$474
Nationwide	$3676	$625
American National	$173	$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 Kiawah Island, South Carolina Farm Bureau is the cheapest car insurance provider. At $482 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 Kiawah Island is State Farm, offering rates of around $4004 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$482	$80
American National P&C	$674	$114
American Family	$770	$129
Auto-Owners Insurance Co	$808	$137
USAA	$1032	$172
Progressive	$1206	$203
Travelers	$1231	$207
Allstate	$1386	$233
Farm Bureau	$1501	$251
Nationwide	$1547	$262
Auto-Owners	$2387	$397
State Farm	$4004	$680

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Car Insurance Rates with An Accident in Kiawah 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 Kiawah Island, SC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Kiawah Island include American National and American National P&C, offering $205 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $1976.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$205	$35
American National P&C	$264	$44
Encompass	$295	$50
South Carolina Farm Bureau	$327	$56
American Family	$366	$60
Auto-Owners Insurance Co	$417	$71
Farm Bureau	$923	$156
Travelers	$936	$158
USAA	$969	$163
Auto-Owners	$1039	$175
Progressive	$1283	$216
State Farm	$1501	$253
Nationwide	$1957	$326
Allstate	$1976	$333

Kiawah Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kiawah Island SC. For example, the car insurance in Kiawah Island after a DUI increases to $751 for a six month policy. While the rate increases by $327 for a six-month policy in the case of a speeding ticket.

Kiawah Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1296	$220
Not-at-fault accident	$1366	$228
Two Med/PIP claims	$1379	$234
One comp claim	$1386	$231
Two comp claims	$1431	$243
Failure to wear a seat belt	$1482	$247
Child safety restraint	$1514	$257
Driving without lights	$1514	$253
Failure to show documents	$1527	$259
Failure to yield	$1571	$262
Failure to stop at a red light	$1578	$268
Driving too slowly	$1623	$270
Speeding 6 - 10 MPH over limit	$1623	$276
Speeding in school zone	$1623	$270
At-fault accident - less than $1000	$1630	$278
In 65 MPH zone	$1630	$271
Driving with expired registration	$1636	$279
Following too closely	$1636	$272
Illegal turn	$1636	$279
Speeding 11 - 15 MPH over limit	$1636	$272
Wrong way/wrong lane	$1636	$279
Cell phone violation	$1643	$273
Texting while driving	$1643	$280
Improper passing	$1649	$274
Operating a vehicle without permission	$1649	$281
Speeding 16 - 20 MPH over limit	$1649	$274
Speeding 21 - 25 MPH over limit	$1649	$281
Passing school bus	$1674	$279
Open container	$1687	$287
At-fault accident - $1000-$2000	$1861	$310
At-fault accident - greater than $2000	$1861	$316
Refusal to submit to a chemical test	$2021	$337
DUI	$2047	$348
Reckless driving	$2097	$350
Driving with a suspended license	$2104	$357
Racing	$2110	$352
Leaving scene of an accident/hit and run	$2182	$370

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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 Kiawah 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 Kiawah Island.

The cheapest car insurance premiums in Kiawah Island are offered by American National P&C at $295 for a six-month policy. However, it can be as expensive as $251 with companies like American National.

Kiawah Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$295	$50
American Family	$308	$52
South Carolina Farm Bureau	$314	$53
Auto-Owners Insurance Co	$654	$111
Farm Bureau	$777	$131
Travelers	$930	$157
Progressive	$969	$163
USAA	$1020	$172
State Farm	$1187	$200
Allstate	$1360	$229
Auto-Owners	$1706	$284
Nationwide	$1867	$318
American National	$251	$42

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 Kiawah Island are offered by American National P&C at $264. However, it can be as expensive as $1213 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Kiawah Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$264	$44
South Carolina Farm Bureau	$295	$50
Auto-Owners Insurance Co	$327	$54
American Family	$373	$64
Auto-Owners	$783	$131
USAA	$814	$138
State Farm	$840	$141
Farm Bureau	$910	$154
Travelers	$930	$157
Progressive	$1008	$170
Allstate	$1161	$195
Nationwide	$1213	$206

Car Insurance Price Trends in Kiawah Island, South Carolina

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

The average cost of full coverage in the Kiawah Island rose by $188 in December compared to $186 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 Kiawah Island rose to $63 in December, compared to $59 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Kiawah Island?

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

What is the cheapest car insurance in Kiawah Island?

The cheapest car insurance in Kiawah Island is $63 per month for full coverage.

How much is car insurance in Kiawah Island for teenagers?

Car insurance for teenagers costs $231 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 Kiawah Island?

The average cost of car insurance is $756 for a six-month policy. It will cost around $137 per month to insure your car in Kiawah Island.

Is car insurance expensive in Kiawah Island?

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

What is the best car insurance in Kiawah Island, SC?

The best car insurance company in Kiawah Island SC is American National P&C, offering $366 for a six-month policy.