Cheapest Car Insurance Quotes in Laurel Bay

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Laurel Bay Car Insurance

^$ 26

/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 Laurel Bay

The car insurance rate in Laurel Bay is $846 for a six-month policy, which is $17 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Laurel Bay 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 Laurel Bay

$846

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Laurel Bay

1st place: American National P&C

At $346 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 $449 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 $497 for six months, making it the third cheapest auto insurance company in Laurel Bay.

Laurel Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laurel Bay, SC is American National P&C, offering policies at just $346 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $449.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1375 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laurel Bay drivers find the best deals.

Cheap Car Insurance Companies in Laurel Bay, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$346	$59
South Carolina Farm Bureau	$449	$74
American National	$497	$84
Auto-Owners Insurance Co	$515	$86
American Family	$781	$133
Encompass	$806	$135
USAA	$890	$150
Auto-Owners	$909	$153
Travelers	$939	$158
Progressive	$987	$166
Farm Bureau	$1006	$171
Allstate	$1169	$197
State Farm	$1181	$199
Nationwide	$1375	$230

Key Takeaways

Way's key takeaways about car insurance in Laurel Bay

The auto insurance costs in Laurel Bay fall around $346 for six months.
The cheapest auto insurance company in Laurel Bay is American National.
Teen drivers pay the highest rate in Laurel Bay at $28 per month.

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Cheapest Minimum Liability Car Insurance in Laurel Bay

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 Laurel Bay are given below.

American National provides the cheapest minimum car insurance coverage in Laurel Bay. Their Average 6 Month Premium is $152. Nationwide is the most expensive at $703 for the same period.

Cheapest Liability Coverage in Laurel Bay, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$152	$26
American National P&C	$188	$32
Encompass	$224	$38
USAA	$231	$39
South Carolina Farm Bureau	$243	$41
Auto-Owners Insurance Co	$272	$46
American Family	$334	$57
Progressive	$352	$59
Auto-Owners	$394	$66
Travelers	$418	$70
Farm Bureau	$424	$72
Allstate	$430	$72
State Farm	$527	$89
Nationwide	$703	$117

Cheapest Full Coverage Car Insurance in Laurel Bay

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 Laurel Bay is American National P&C at $59 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laurel Bay, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$346	$59
South Carolina Farm Bureau	$449	$74
American National	$497	$84
Auto-Owners Insurance Co	$515	$86
American Family	$781	$133
Encompass	$806	$135
USAA	$890	$150
Auto-Owners	$909	$153
Travelers	$939	$158
Progressive	$987	$166
Farm Bureau	$1006	$171
Allstate	$1169	$197
State Farm	$1181	$199
Nationwide	$1375	$230

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Average Car Insurance in Laurel Bay 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 Laurel Bay, SC increasing?

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

Car Insurance Premiums by Age in Laurel Bay

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 Laurel Bay,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 Laurel Bay at $37 per month. At $163 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	$218	$37
South Carolina Farm Bureau	$315	$54
Auto-Owners Insurance Co	$346	$57
American Family	$375	$64
Travelers	$1533	$258
Farm Bureau	$1812	$308
USAA	$1884	$317
Allstate	$2084	$351
Auto-Owners	$2260	$380
Progressive	$2836	$477
State Farm	$2999	$505
Nationwide	$3551	$604
American National	$163	$28

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 Laurel Bay, South Carolina Farm Bureau is the cheapest car insurance provider. At $455 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 Laurel Bay is State Farm, offering rates of around $5107 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$455	$75
American National P&C	$636	$108
American Family	$727	$121
Auto-Owners Insurance Co	$763	$130
USAA	$1061	$176
Travelers	$1315	$221
Progressive	$1364	$230
Allstate	$1667	$281
Farm Bureau	$1805	$301
Nationwide	$2078	$353
Auto-Owners	$2545	$424
State Farm	$5107	$868

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Car Insurance Rates with An Accident in Laurel Bay

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

Cheapest Car Insurance Companies after an At-Fault Accident in Laurel Bay

The cheapest car insurance companies after an at-fault accident in Laurel Bay include American National and American National P&C, offering $194 and $249, respectively. Nationwide is an expensive provider with an average six-month premium of $1981.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$194	$33
American National P&C	$249	$42
Encompass	$278	$47
South Carolina Farm Bureau	$309	$53
American Family	$346	$57
Auto-Owners Insurance Co	$394	$67
Auto-Owners	$818	$138
USAA	$824	$139
Travelers	$836	$141
Farm Bureau	$927	$156
Progressive	$1200	$202
State Farm	$1309	$220
Allstate	$1872	$315
Nationwide	$1981	$337

Laurel Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laurel Bay SC. For example, the car insurance in Laurel Bay after a DUI increases to $709 for a six month policy. While the rate increases by $309 for a six-month policy in the case of a speeding ticket.

Laurel Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1224	$204
One Med/PIP claim	$1224	$208
Not-at-fault accident	$1290	$215
Two Med/PIP claims	$1303	$221
One comp claim	$1309	$218
Two comp claims	$1352	$230
Failure to wear a seat belt	$1399	$234
Child safety restraint	$1430	$243
Driving without lights	$1430	$239
Failure to show documents	$1442	$245
Failure to yield	$1484	$248
Failure to stop at a red light	$1490	$253
Driving too slowly	$1533	$255
Speeding 6 - 10 MPH over limit	$1533	$261
Speeding in school zone	$1533	$255
At-fault accident - less than $1000	$1539	$262
In 65 MPH zone	$1539	$256
Driving with expired registration	$1545	$263
Following too closely	$1545	$257
Illegal turn	$1545	$263
Speeding 11 - 15 MPH over limit	$1545	$257
Wrong way/wrong lane	$1545	$263
Cell phone violation	$1551	$258
Texting while driving	$1551	$264
Improper passing	$1558	$259
Operating a vehicle without permission	$1558	$265
Speeding 16 - 20 MPH over limit	$1558	$259
Speeding 21 - 25 MPH over limit	$1558	$265
Passing school bus	$1581	$263
Open container	$1593	$271
At-fault accident - $1000-$2000	$1757	$293
At-fault accident - greater than $2000	$1757	$299
Refusal to submit to a chemical test	$1908	$318
DUI	$1933	$328
Reckless driving	$1981	$330
Driving with a suspended license	$1987	$338
Racing	$1993	$333
Leaving scene of an accident/hit and run	$2060	$350

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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 Laurel Bay 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 Laurel Bay.

The cheapest car insurance premiums in Laurel Bay are offered by American National P&C at $278 for a six-month policy. However, it can be as expensive as $237 with companies like American National.

Laurel Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$278	$47
American Family	$291	$49
South Carolina Farm Bureau	$297	$50
Auto-Owners Insurance Co	$618	$105
Farm Bureau	$860	$145
Travelers	$946	$159
USAA	$1000	$168
Progressive	$1006	$169
State Farm	$1327	$223
Allstate	$1478	$249
Auto-Owners	$1927	$321
Nationwide	$2630	$447
American National	$237	$40

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 Laurel Bay are offered by American National P&C at $249. However, it can be as expensive as $1672 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Laurel Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$249	$42
South Carolina Farm Bureau	$278	$47
Auto-Owners Insurance Co	$309	$51
American Family	$352	$60
USAA	$836	$140
Auto-Owners	$878	$149
State Farm	$963	$162
Travelers	$975	$164
Farm Bureau	$1090	$182
Progressive	$1139	$192
Allstate	$1375	$232
Nationwide	$1672	$285

Car Insurance Price Trends in Laurel Bay, South Carolina

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

The average cost of full coverage in the Laurel Bay rose by $199 in January compared to $177 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Laurel Bay rose to $61 in January, compared to $59 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Laurel Bay?

The car insurance in Laurel Bay is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Laurel Bay?

The cheapest car insurance in Laurel Bay is $59 per month for full coverage.

How much is car insurance in Laurel Bay for teenagers?

Car insurance for teenagers costs $218 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 Laurel Bay?

The average cost of car insurance is $829 for a six-month policy. It will cost around $142 per month to insure your car in Laurel Bay.

Is car insurance expensive in Laurel Bay?

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

What is the best car insurance in Laurel Bay, SC?

The best car insurance company in Laurel Bay SC is American National P&C, offering $346 for a six-month policy.