Cheapest Car Insurance Quotes in Lake Murray of Richland

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Lake Murray of Richland Car Insurance

^$ 25

/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 Lake Murray of Richland

The car insurance rate in Lake Murray of Richland is $756 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Lake Murray of Richland 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 Lake Murray of Richland

$756

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Lake Murray of Richland

1st place: American National P&C

At $339 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 $440 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 $487 for six months, making it the third cheapest auto insurance company in Lake Murray of Richland.

Lake Murray of Richland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Murray of Richland, SC is American National P&C, offering policies at just $339 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $440.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1051 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Murray of Richland drivers find the best deals.

Cheap Car Insurance Companies in Lake Murray of Richland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Farm Bureau	$772	$129
Encompass	$790	$134
Auto-Owners	$855	$144
USAA	$855	$144
Travelers	$885	$149
Progressive	$897	$151
Nationwide	$939	$156
Allstate	$1004	$169
State Farm	$1051	$177

Key Takeaways

Way's key takeaways about car insurance in Lake Murray of Richland

The auto insurance costs in Lake Murray of Richland fall around $339 for six months.
The cheapest auto insurance company in Lake Murray of Richland is American National.
Teen drivers pay the highest rate in Lake Murray of Richland at $27 per month.

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Cheapest Minimum Liability Car Insurance in Lake Murray of Richland

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 Lake Murray of Richland are given below.

American National provides the cheapest minimum car insurance coverage in Lake Murray of Richland. Their Average 6 Month Premium is $149. State Farm is the most expensive at $475 for the same period.

Cheapest Liability Coverage in Lake Murray of Richland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$149	$25
American National P&C	$184	$31
Encompass	$220	$37
USAA	$220	$37
South Carolina Farm Bureau	$238	$40
Auto-Owners Insurance Co	$267	$45
American Family	$327	$56
Progressive	$339	$57
Auto-Owners	$362	$61
Farm Bureau	$368	$61
Travelers	$404	$68
Allstate	$416	$70
Nationwide	$451	$77
State Farm	$475	$80

Cheapest Full Coverage Car Insurance in Lake Murray of Richland

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 Lake Murray of Richland is American National P&C at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Murray of Richland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Farm Bureau	$772	$129
Encompass	$790	$134
Auto-Owners	$855	$144
USAA	$855	$144
Travelers	$885	$149
Progressive	$897	$151
Nationwide	$939	$156
Allstate	$1004	$169
State Farm	$1051	$177

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Average Car Insurance in Lake Murray of Richland 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 Lake Murray of Richland, SC increasing?

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

Car Insurance Premiums by Age in Lake Murray of Richland

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 Lake Murray of Richland,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 Lake Murray of Richland at $36 per month. At $160 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	$214	$36
South Carolina Farm Bureau	$309	$53
Auto-Owners Insurance Co	$339	$56
American Family	$368	$63
Travelers	$1331	$224
Farm Bureau	$1426	$242
Allstate	$1758	$296
USAA	$1764	$297
Auto-Owners	$2317	$390
Progressive	$2501	$421
State Farm	$2608	$439
Nationwide	$3404	$579
American National	$160	$27

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 Lake Murray of Richland, South Carolina Farm Bureau is the cheapest car insurance provider. At $446 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 Lake Murray of Richland is State Farm, offering rates of around $3707 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$446	$74
American National P&C	$624	$106
American Family	$713	$119
Auto-Owners Insurance Co	$748	$127
USAA	$956	$159
Progressive	$1117	$188
Travelers	$1140	$192
Allstate	$1283	$216
Farm Bureau	$1390	$232
Nationwide	$1432	$243
Auto-Owners	$2210	$368
State Farm	$3707	$630

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Car Insurance Rates with An Accident in Lake Murray of Richland

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 Lake Murray of Richland, SC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Murray of Richland

The cheapest car insurance companies after an at-fault accident in Lake Murray of Richland include American National and American National P&C, offering $190 and $244, respectively. Allstate is an expensive provider with an average six-month premium of $1830.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$190	$32
American National P&C	$244	$41
Encompass	$273	$46
South Carolina Farm Bureau	$303	$52
American Family	$339	$56
Auto-Owners Insurance Co	$386	$66
Farm Bureau	$855	$144
Travelers	$867	$146
USAA	$897	$151
Auto-Owners	$962	$162
Progressive	$1188	$200
State Farm	$1390	$234
Nationwide	$1812	$302
Allstate	$1830	$308

Lake Murray of Richland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Murray of Richland SC. For example, the car insurance in Lake Murray of Richland after a DUI increases to $695 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Lake Murray of Richland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1265	$211
Two Med/PIP claims	$1277	$217
One comp claim	$1283	$214
Two comp claims	$1325	$225
Failure to wear a seat belt	$1372	$229
Child safety restraint	$1402	$238
Driving without lights	$1402	$234
Failure to show documents	$1414	$240
Failure to yield	$1455	$243
Failure to stop at a red light	$1461	$248
Driving too slowly	$1503	$250
Speeding 6 - 10 MPH over limit	$1503	$256
Speeding in school zone	$1503	$250
At-fault accident - less than $1000	$1509	$257
In 65 MPH zone	$1509	$251
Driving with expired registration	$1515	$258
Following too closely	$1515	$252
Illegal turn	$1515	$258
Speeding 11 - 15 MPH over limit	$1515	$252
Wrong way/wrong lane	$1515	$258
Cell phone violation	$1521	$253
Texting while driving	$1521	$259
Improper passing	$1527	$254
Operating a vehicle without permission	$1527	$260
Speeding 16 - 20 MPH over limit	$1527	$254
Speeding 21 - 25 MPH over limit	$1527	$260
Passing school bus	$1550	$258
Open container	$1562	$266
At-fault accident - $1000-$2000	$1723	$287
At-fault accident - greater than $2000	$1723	$293
Refusal to submit to a chemical test	$1871	$312
DUI	$1895	$322
Reckless driving	$1942	$324
Driving with a suspended license	$1948	$331
Racing	$1954	$326
Leaving scene of an accident/hit and run	$2020	$343

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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 Lake Murray of Richland 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 Lake Murray of Richland.

The cheapest car insurance premiums in Lake Murray of Richland are offered by American National P&C at $273 for a six-month policy. However, it can be as expensive as $232 with companies like American National.

Lake Murray of Richland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$46
American Family	$285	$48
South Carolina Farm Bureau	$291	$49
Auto-Owners Insurance Co	$606	$103
Farm Bureau	$719	$121
Travelers	$861	$145
Progressive	$897	$151
USAA	$944	$159
State Farm	$1099	$185
Allstate	$1259	$212
Auto-Owners	$1580	$263
Nationwide	$1729	$294
American National	$232	$39

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 Lake Murray of Richland are offered by American National P&C at $244. However, it can be as expensive as $1123 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lake Murray of Richland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$244	$41
South Carolina Farm Bureau	$273	$46
Auto-Owners Insurance Co	$303	$50
American Family	$345	$59
Auto-Owners	$725	$121
USAA	$754	$128
State Farm	$778	$131
Farm Bureau	$843	$143
Travelers	$861	$145
Progressive	$933	$157
Allstate	$1075	$181
Nationwide	$1123	$191

Car Insurance Price Trends in Lake Murray of Richland, South Carolina

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

The average cost of full coverage in the Lake Murray of Richland rose by $174 in December compared to $172 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 Lake Murray of Richland rose to $58 in December, compared to $55 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 Lake Murray of Richland?

The car insurance in Lake Murray of Richland is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Murray of Richland?

The cheapest car insurance in Lake Murray of Richland is $58 per month for full coverage.

How much is car insurance in Lake Murray of Richland for teenagers?

Car insurance for teenagers costs $214 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 Lake Murray of Richland?

The average cost of car insurance is $756 for a six-month policy. It will cost around $127 per month to insure your car in Lake Murray of Richland.

Is car insurance expensive in Lake Murray of Richland?

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

What is the best car insurance in Lake Murray of Richland, SC?

The best car insurance company in Lake Murray of Richland SC is American National P&C, offering $339 for a six-month policy.