Cheapest Car Insurance Quotes in Lake Wylie

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Lake Wylie Car Insurance

^$ 24

/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 Wylie

The car insurance rate in Lake Wylie is $718 for a six-month policy, which is $38 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $322, making it a popular choice for budget-conscious drivers. Rates in Lake Wylie 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 Wylie

$718

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Lake Wylie

1st place: American National P&C

At $322 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 $418 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 $463 for six months, making it the third cheapest auto insurance company in Lake Wylie.

Lake Wylie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Wylie, SC is American National P&C, offering policies at just $322 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $418.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $998 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Wylie drivers find the best deals.

Cheap Car Insurance Companies in Lake Wylie, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$322	$55
South Carolina Farm Bureau	$418	$69
American National	$463	$78
Auto-Owners Insurance Co	$480	$80
American Family	$728	$124
Farm Bureau	$733	$123
Encompass	$751	$127
Auto-Owners	$812	$137
USAA	$812	$137
Travelers	$841	$142
Progressive	$852	$143
Nationwide	$892	$148
Allstate	$954	$161
State Farm	$998	$168

Key Takeaways

Way's key takeaways about car insurance in Lake Wylie

The auto insurance costs in Lake Wylie fall around $322 for six months.
The cheapest auto insurance company in Lake Wylie is American National.
Teen drivers pay the highest rate in Lake Wylie at $26 per month.

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Cheapest Minimum Liability Car Insurance in Lake Wylie

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 Wylie are given below.

American National provides the cheapest minimum car insurance coverage in Lake Wylie. Their Average 6 Month Premium is $142. State Farm is the most expensive at $451 for the same period.

Cheapest Liability Coverage in Lake Wylie, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$142	$24
American National P&C	$175	$29
Encompass	$209	$35
USAA	$209	$35
South Carolina Farm Bureau	$226	$38
Auto-Owners Insurance Co	$254	$43
American Family	$311	$53
Progressive	$322	$54
Auto-Owners	$344	$58
Farm Bureau	$350	$58
Travelers	$384	$65
Allstate	$395	$67
Nationwide	$428	$73
State Farm	$451	$76

Cheapest Full Coverage Car Insurance in Lake Wylie

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 Wylie is American National P&C at $55 per month and $322 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Wylie, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$322	$55
South Carolina Farm Bureau	$418	$69
American National	$463	$78
Auto-Owners Insurance Co	$480	$80
American Family	$728	$124
Farm Bureau	$733	$123
Encompass	$751	$127
Auto-Owners	$812	$137
USAA	$812	$137
Travelers	$841	$142
Progressive	$852	$143
Nationwide	$892	$148
Allstate	$954	$161
State Farm	$998	$168

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Average Car Insurance in Lake Wylie 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 Wylie, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Wylie, 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 Wylie'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 Wylie

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 Wylie,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 Wylie at $34 per month. At $152 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	$203	$34
South Carolina Farm Bureau	$294	$50
Auto-Owners Insurance Co	$322	$53
American Family	$350	$60
Travelers	$1264	$213
Farm Bureau	$1355	$230
Allstate	$1670	$281
USAA	$1676	$282
Auto-Owners	$2201	$371
Progressive	$2376	$400
State Farm	$2478	$417
Nationwide	$3234	$550
American National	$152	$26

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 Wylie, South Carolina Farm Bureau is the cheapest car insurance provider. At $424 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 Wylie is State Farm, offering rates of around $3522 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$424	$70
American National P&C	$593	$101
American Family	$677	$113
Auto-Owners Insurance Co	$711	$121
USAA	$908	$151
Progressive	$1061	$179
Travelers	$1083	$182
Allstate	$1219	$205
Farm Bureau	$1321	$220
Nationwide	$1360	$231
Auto-Owners	$2100	$350
State Farm	$3522	$599

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Car Insurance Rates with An Accident in Lake Wylie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Wylie

The cheapest car insurance companies after an at-fault accident in Lake Wylie include American National and American National P&C, offering $181 and $232, respectively. Allstate is an expensive provider with an average six-month premium of $1739.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$181	$30
American National P&C	$232	$39
Encompass	$259	$44
South Carolina Farm Bureau	$288	$49
American Family	$322	$53
Auto-Owners Insurance Co	$367	$63
Farm Bureau	$812	$137
Travelers	$824	$139
USAA	$852	$143
Auto-Owners	$914	$154
Progressive	$1129	$190
State Farm	$1321	$222
Nationwide	$1721	$287
Allstate	$1739	$293

Lake Wylie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Wylie SC. For example, the car insurance in Lake Wylie after a DUI increases to $660 for a six month policy. While the rate increases by $288 for a six-month policy in the case of a speeding ticket.

Lake Wylie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1140	$194
Not-at-fault accident	$1202	$200
Two Med/PIP claims	$1213	$206
One comp claim	$1219	$203
Two comp claims	$1259	$214
Failure to wear a seat belt	$1303	$218
Child safety restraint	$1332	$226
Driving without lights	$1332	$222
Failure to show documents	$1343	$228
Failure to yield	$1382	$231
Failure to stop at a red light	$1388	$236
Driving too slowly	$1428	$238
Speeding 6 - 10 MPH over limit	$1428	$243
Speeding in school zone	$1428	$238
At-fault accident - less than $1000	$1434	$244
In 65 MPH zone	$1434	$238
Driving with expired registration	$1439	$245
Following too closely	$1439	$239
Illegal turn	$1439	$245
Speeding 11 - 15 MPH over limit	$1439	$239
Wrong way/wrong lane	$1439	$245
Cell phone violation	$1445	$240
Texting while driving	$1445	$246
Improper passing	$1451	$241
Operating a vehicle without permission	$1451	$247
Speeding 16 - 20 MPH over limit	$1451	$241
Speeding 21 - 25 MPH over limit	$1451	$247
Passing school bus	$1473	$245
Open container	$1484	$253
At-fault accident - $1000-$2000	$1637	$273
At-fault accident - greater than $2000	$1637	$278
Refusal to submit to a chemical test	$1777	$296
DUI	$1800	$306
Reckless driving	$1845	$308
Driving with a suspended license	$1851	$314
Racing	$1856	$310
Leaving scene of an accident/hit and run	$1919	$326

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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 Wylie 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 Wylie.

The cheapest car insurance premiums in Lake Wylie are offered by American National P&C at $259 for a six-month policy. However, it can be as expensive as $220 with companies like American National.

Lake Wylie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$259	$44
American Family	$271	$46
South Carolina Farm Bureau	$276	$47
Auto-Owners Insurance Co	$576	$98
Farm Bureau	$683	$115
Travelers	$818	$138
Progressive	$852	$143
USAA	$897	$151
State Farm	$1044	$176
Allstate	$1196	$201
Auto-Owners	$1501	$250
Nationwide	$1643	$279
American National	$220	$37

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 Wylie are offered by American National P&C at $232. However, it can be as expensive as $1067 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Lake Wylie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$232	$39
South Carolina Farm Bureau	$259	$44
Auto-Owners Insurance Co	$288	$48
American Family	$328	$56
Auto-Owners	$689	$115
USAA	$716	$122
State Farm	$739	$124
Farm Bureau	$801	$136
Travelers	$818	$138
Progressive	$886	$149
Allstate	$1021	$172
Nationwide	$1067	$181

Car Insurance Price Trends in Lake Wylie, South Carolina

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

The average cost of full coverage in the Lake Wylie rose by $165 in December compared to $163 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 Wylie rose to $55 in December, compared to $52 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 Wylie?

The car insurance in Lake Wylie is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Wylie?

The cheapest car insurance in Lake Wylie is $55 per month for full coverage.

How much is car insurance in Lake Wylie for teenagers?

Car insurance for teenagers costs $203 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 Wylie?

The average cost of car insurance is $756 for a six-month policy. It will cost around $121 per month to insure your car in Lake Wylie.

Is car insurance expensive in Lake Wylie?

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

What is the best car insurance in Lake Wylie, SC?

The best car insurance company in Lake Wylie SC is American National P&C, offering $322 for a six-month policy.