Cheapest Car Insurance Quotes in Monarch Mill

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Monarch Mill 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 Monarch Mill

The car insurance rate in Monarch Mill is $733 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Monarch Mill 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 Monarch Mill

$733

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Monarch Mill

1st place: American National P&C

At $329 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 $427 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 $472 for six months, making it the third cheapest auto insurance company in Monarch Mill.

Monarch Mill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Monarch Mill, SC is American National P&C, offering policies at just $329 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $427.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1019 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Monarch Mill drivers find the best deals.

Cheap Car Insurance Companies in Monarch Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$329	$56
South Carolina Farm Bureau	$427	$71
American National	$472	$80
Auto-Owners Insurance Co	$490	$81
American Family	$743	$126
Farm Bureau	$749	$125
Encompass	$766	$130
Auto-Owners	$829	$140
USAA	$829	$140
Travelers	$858	$145
Progressive	$870	$146
Nationwide	$911	$151
Allstate	$974	$164
State Farm	$1019	$172

Key Takeaways

Way's key takeaways about car insurance in Monarch Mill

The auto insurance costs in Monarch Mill fall around $329 for six months.
The cheapest auto insurance company in Monarch Mill is American National.
Teen drivers pay the highest rate in Monarch Mill at $26 per month.

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Cheapest Minimum Liability Car Insurance in Monarch Mill

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 Monarch Mill are given below.

American National provides the cheapest minimum car insurance coverage in Monarch Mill. Their Average 6 Month Premium is $145. State Farm is the most expensive at $461 for the same period.

Cheapest Liability Coverage in Monarch Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$145	$24
American National P&C	$178	$30
Encompass	$213	$36
USAA	$213	$36
South Carolina Farm Bureau	$231	$39
Auto-Owners Insurance Co	$259	$44
American Family	$317	$54
Progressive	$329	$55
Auto-Owners	$351	$59
Farm Bureau	$357	$59
Travelers	$392	$66
Allstate	$404	$68
Nationwide	$437	$75
State Farm	$461	$78

Cheapest Full Coverage Car Insurance in Monarch Mill

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 Monarch Mill is American National P&C at $56 per month and $329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Monarch Mill, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$329	$56
South Carolina Farm Bureau	$427	$71
American National	$472	$80
Auto-Owners Insurance Co	$490	$81
American Family	$743	$126
Farm Bureau	$749	$125
Encompass	$766	$130
Auto-Owners	$829	$140
USAA	$829	$140
Travelers	$858	$145
Progressive	$870	$146
Nationwide	$911	$151
Allstate	$974	$164
State Farm	$1019	$172

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Average Car Insurance in Monarch Mill 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 Monarch Mill, SC increasing?

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

Car Insurance Premiums by Age in Monarch Mill

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 Monarch Mill,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 Monarch Mill at $35 per month. At $155 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	$208	$35
South Carolina Farm Bureau	$300	$51
Auto-Owners Insurance Co	$329	$54
American Family	$357	$61
Travelers	$1291	$217
Farm Bureau	$1383	$235
Allstate	$1705	$287
USAA	$1711	$288
Auto-Owners	$2247	$378
Progressive	$2426	$408
State Farm	$2530	$426
Nationwide	$3302	$562
American National	$155	$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 Monarch Mill, South Carolina Farm Bureau is the cheapest car insurance provider. At $433 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 Monarch Mill is State Farm, offering rates of around $3596 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$433	$72
American National P&C	$605	$103
American Family	$692	$115
Auto-Owners Insurance Co	$726	$123
USAA	$927	$154
Progressive	$1083	$182
Travelers	$1106	$186
Allstate	$1245	$210
Farm Bureau	$1348	$225
Nationwide	$1389	$236
Auto-Owners	$2144	$357
State Farm	$3596	$611

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Car Insurance Rates with An Accident in Monarch Mill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Monarch Mill

The cheapest car insurance companies after an at-fault accident in Monarch Mill include American National and American National P&C, offering $184 and $237, respectively. Allstate is an expensive provider with an average six-month premium of $1775.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$184	$31
American National P&C	$237	$40
Encompass	$265	$45
South Carolina Farm Bureau	$294	$50
American Family	$329	$54
Auto-Owners Insurance Co	$374	$64
Farm Bureau	$829	$140
Travelers	$841	$142
USAA	$870	$146
Auto-Owners	$933	$157
Progressive	$1152	$194
State Farm	$1348	$227
Nationwide	$1758	$293
Allstate	$1775	$299

Monarch Mill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Monarch Mill SC. For example, the car insurance in Monarch Mill after a DUI increases to $674 for a six month policy. While the rate increases by $294 for a six-month policy in the case of a speeding ticket.

Monarch Mill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1164	$194
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1227	$205
Two Med/PIP claims	$1239	$210
One comp claim	$1245	$208
Two comp claims	$1285	$218
Failure to wear a seat belt	$1331	$222
Child safety restraint	$1360	$231
Driving without lights	$1360	$227
Failure to show documents	$1372	$233
Failure to yield	$1411	$236
Failure to stop at a red light	$1417	$241
Driving too slowly	$1458	$243
Speeding 6 - 10 MPH over limit	$1458	$248
Speeding in school zone	$1458	$243
At-fault accident - less than $1000	$1464	$249
In 65 MPH zone	$1464	$243
Driving with expired registration	$1470	$250
Following too closely	$1470	$244
Illegal turn	$1470	$250
Speeding 11 - 15 MPH over limit	$1470	$244
Wrong way/wrong lane	$1470	$250
Cell phone violation	$1475	$245
Texting while driving	$1475	$251
Improper passing	$1481	$246
Operating a vehicle without permission	$1481	$252
Speeding 16 - 20 MPH over limit	$1481	$246
Speeding 21 - 25 MPH over limit	$1481	$252
Passing school bus	$1504	$250
Open container	$1515	$258
At-fault accident - $1000-$2000	$1671	$278
At-fault accident - greater than $2000	$1671	$284
Refusal to submit to a chemical test	$1815	$303
DUI	$1838	$312
Reckless driving	$1884	$314
Driving with a suspended license	$1890	$321
Racing	$1895	$316
Leaving scene of an accident/hit and run	$1959	$333

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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 Monarch Mill 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 Monarch Mill.

The cheapest car insurance premiums in Monarch Mill are offered by American National P&C at $265 for a six-month policy. However, it can be as expensive as $225 with companies like American National.

Monarch Mill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$265	$45
American Family	$276	$47
South Carolina Farm Bureau	$282	$48
Auto-Owners Insurance Co	$588	$100
Farm Bureau	$697	$117
Travelers	$835	$141
Progressive	$870	$146
USAA	$916	$154
State Farm	$1066	$179
Allstate	$1221	$206
Auto-Owners	$1533	$255
Nationwide	$1677	$285
American National	$225	$38

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 Monarch Mill are offered by American National P&C at $237. However, it can be as expensive as $1089 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Monarch Mill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$237	$40
South Carolina Farm Bureau	$265	$45
Auto-Owners Insurance Co	$294	$49
American Family	$335	$57
Auto-Owners	$703	$117
USAA	$731	$124
State Farm	$755	$127
Farm Bureau	$818	$139
Travelers	$835	$141
Progressive	$905	$152
Allstate	$1043	$176
Nationwide	$1089	$185

Car Insurance Price Trends in Monarch Mill, South Carolina

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

The average cost of full coverage in the Monarch Mill rose by $169 in December compared to $167 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 Monarch Mill rose to $56 in December, compared to $53 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 Monarch Mill?

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

What is the cheapest car insurance in Monarch Mill?

The cheapest car insurance in Monarch Mill is $56 per month for full coverage.

How much is car insurance in Monarch Mill for teenagers?

Car insurance for teenagers costs $208 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 Monarch Mill?

The average cost of car insurance is $756 for a six-month policy. It will cost around $123 per month to insure your car in Monarch Mill.

Is car insurance expensive in Monarch Mill?

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

What is the best car insurance in Monarch Mill, SC?

The best car insurance company in Monarch Mill SC is American National P&C, offering $329 for a six-month policy.