Cheapest Car Insurance Quotes in Murphys Estates

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Murphys Estates 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 Murphys Estates

The car insurance rate in Murphys Estates is $711 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $319, making it a popular choice for budget-conscious drivers. Rates in Murphys Estates 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 Murphys Estates

$711

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Murphys Estates

1st place: American National P&C

At $319 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 $414 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 $458 for six months, making it the third cheapest auto insurance company in Murphys Estates.

Murphys Estates Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Murphys Estates, SC is American National P&C, offering policies at just $319 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $414.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $988 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Murphys Estates drivers find the best deals.

Cheap Car Insurance Companies in Murphys Estates, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$319	$55
South Carolina Farm Bureau	$414	$69
American National	$458	$77
Auto-Owners Insurance Co	$475	$79
American Family	$720	$122
Farm Bureau	$726	$121
Encompass	$743	$126
Auto-Owners	$804	$135
USAA	$804	$135
Travelers	$832	$140
Progressive	$843	$142
Nationwide	$883	$147
Allstate	$944	$159
State Farm	$988	$166

Key Takeaways

Way's key takeaways about car insurance in Murphys Estates

The auto insurance costs in Murphys Estates fall around $319 for six months.
The cheapest auto insurance company in Murphys Estates is American National.
Teen drivers pay the highest rate in Murphys Estates at $25 per month.

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Cheapest Minimum Liability Car Insurance in Murphys Estates

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 Murphys Estates are given below.

American National provides the cheapest minimum car insurance coverage in Murphys Estates. Their Average 6 Month Premium is $140. State Farm is the most expensive at $447 for the same period.

Cheapest Liability Coverage in Murphys Estates, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$140	$24
American National P&C	$173	$29
Encompass	$207	$35
USAA	$207	$35
South Carolina Farm Bureau	$224	$38
Auto-Owners Insurance Co	$251	$42
American Family	$307	$53
Progressive	$319	$54
Auto-Owners	$340	$57
Farm Bureau	$346	$57
Travelers	$380	$64
Allstate	$391	$66
Nationwide	$424	$72
State Farm	$447	$75

Cheapest Full Coverage Car Insurance in Murphys Estates

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 Murphys Estates is American National P&C at $55 per month and $319 for six months.

Cheapest Full Coverage Car Insurance Quotes in Murphys Estates, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$319	$55
South Carolina Farm Bureau	$414	$69
American National	$458	$77
Auto-Owners Insurance Co	$475	$79
American Family	$720	$122
Farm Bureau	$726	$121
Encompass	$743	$126
Auto-Owners	$804	$135
USAA	$804	$135
Travelers	$832	$140
Progressive	$843	$142
Nationwide	$883	$147
Allstate	$944	$159
State Farm	$988	$166

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Average Car Insurance in Murphys Estates 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 Murphys Estates, SC increasing?

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

Car Insurance Premiums by Age in Murphys Estates

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 Murphys Estates,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 Murphys Estates at $34 per month. At $150 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	$201	$34
South Carolina Farm Bureau	$290	$50
Auto-Owners Insurance Co	$319	$53
American Family	$346	$59
Travelers	$1251	$211
Farm Bureau	$1340	$227
Allstate	$1653	$278
USAA	$1658	$279
Auto-Owners	$2178	$367
Progressive	$2351	$396
State Farm	$2452	$413
Nationwide	$3200	$544
American National	$150	$25

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 Murphys Estates, South Carolina Farm Bureau is the cheapest car insurance provider. At $419 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 Murphys Estates is State Farm, offering rates of around $3485 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$419	$70
American National P&C	$587	$100
American Family	$670	$112
Auto-Owners Insurance Co	$703	$119
USAA	$899	$149
Progressive	$1050	$177
Travelers	$1072	$180
Allstate	$1206	$203
Farm Bureau	$1307	$218
Nationwide	$1346	$228
Auto-Owners	$2077	$346
State Farm	$3485	$592

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Car Insurance Rates with An Accident in Murphys Estates

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

Cheapest Car Insurance Companies after an At-Fault Accident in Murphys Estates

The cheapest car insurance companies after an at-fault accident in Murphys Estates include American National and American National P&C, offering $179 and $229, respectively. Allstate is an expensive provider with an average six-month premium of $1720.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$179	$30
American National P&C	$229	$39
Encompass	$257	$43
South Carolina Farm Bureau	$285	$49
American Family	$319	$53
Auto-Owners Insurance Co	$363	$62
Farm Bureau	$804	$135
Travelers	$815	$137
USAA	$843	$142
Auto-Owners	$904	$152
Progressive	$1117	$188
State Farm	$1307	$220
Nationwide	$1703	$284
Allstate	$1720	$290

Murphys Estates Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Murphys Estates SC. For example, the car insurance in Murphys Estates after a DUI increases to $653 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Murphys Estates auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1128	$188
One Med/PIP claim	$1128	$192
Not-at-fault accident	$1189	$198
Two Med/PIP claims	$1200	$204
One comp claim	$1206	$201
Two comp claims	$1246	$212
Failure to wear a seat belt	$1290	$215
Child safety restraint	$1318	$224
Driving without lights	$1318	$220
Failure to show documents	$1329	$226
Failure to yield	$1368	$228
Failure to stop at a red light	$1373	$233
Driving too slowly	$1413	$235
Speeding 6 - 10 MPH over limit	$1413	$241
Speeding in school zone	$1413	$235
At-fault accident - less than $1000	$1418	$242
In 65 MPH zone	$1418	$236
Driving with expired registration	$1424	$243
Following too closely	$1424	$237
Illegal turn	$1424	$243
Speeding 11 - 15 MPH over limit	$1424	$237
Wrong way/wrong lane	$1424	$243
Cell phone violation	$1430	$238
Texting while driving	$1430	$243
Improper passing	$1435	$239
Operating a vehicle without permission	$1435	$244
Speeding 16 - 20 MPH over limit	$1435	$239
Speeding 21 - 25 MPH over limit	$1435	$244
Passing school bus	$1457	$243
Open container	$1468	$250
At-fault accident - $1000-$2000	$1620	$270
At-fault accident - greater than $2000	$1620	$275
Refusal to submit to a chemical test	$1759	$293
DUI	$1781	$303
Reckless driving	$1825	$305
Driving with a suspended license	$1831	$311
Racing	$1837	$306
Leaving scene of an accident/hit and run	$1899	$322

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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 Murphys Estates 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 Murphys Estates.

The cheapest car insurance premiums in Murphys Estates are offered by American National P&C at $257 for a six-month policy. However, it can be as expensive as $218 with companies like American National.

Murphys Estates car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$257	$43
American Family	$268	$45
South Carolina Farm Bureau	$274	$46
Auto-Owners Insurance Co	$570	$97
Farm Bureau	$676	$114
Travelers	$809	$136
Progressive	$843	$142
USAA	$887	$149
State Farm	$1033	$174
Allstate	$1183	$199
Auto-Owners	$1485	$247
Nationwide	$1625	$276
American National	$218	$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 Murphys Estates are offered by American National P&C at $229. However, it can be as expensive as $1056 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Murphys Estates after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$229	$39
South Carolina Farm Bureau	$257	$43
Auto-Owners Insurance Co	$285	$47
American Family	$324	$55
Auto-Owners	$682	$114
USAA	$709	$120
State Farm	$731	$123
Farm Bureau	$792	$134
Travelers	$809	$136
Progressive	$877	$148
Allstate	$1010	$170
Nationwide	$1056	$180

Car Insurance Price Trends in Murphys Estates, South Carolina

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

The average cost of full coverage in the Murphys Estates rose by $164 in December compared to $162 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 Murphys Estates 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 Murphys Estates?

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

What is the cheapest car insurance in Murphys Estates?

The cheapest car insurance in Murphys Estates is $55 per month for full coverage.

How much is car insurance in Murphys Estates for teenagers?

Car insurance for teenagers costs $201 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 Murphys Estates?

The average cost of car insurance is $756 for a six-month policy. It will cost around $119 per month to insure your car in Murphys Estates.

Is car insurance expensive in Murphys Estates?

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

What is the best car insurance in Murphys Estates, SC?

The best car insurance company in Murphys Estates SC is American National P&C, offering $319 for a six-month policy.