Cheapest Car Insurance Quotes in Newberry

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Newberry 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 Newberry

The car insurance rate in Newberry is $796 for a six-month policy, which is $33 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $325, making it a popular choice for budget-conscious drivers. Rates in Newberry 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 Newberry

$796

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Newberry

1st place: American National P&C

At $325 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 $422 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 $468 for six months, making it the third cheapest auto insurance company in Newberry.

Newberry Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Newberry, SC is American National P&C, offering policies at just $325 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $422.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1294 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Newberry drivers find the best deals.

Cheap Car Insurance Companies in Newberry, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$325	$56
South Carolina Farm Bureau	$422	$70
American National	$468	$79
Auto-Owners Insurance Co	$485	$81
American Family	$735	$125
Encompass	$758	$127
USAA	$838	$141
Auto-Owners	$855	$144
Travelers	$884	$149
Progressive	$929	$156
Farm Bureau	$947	$161
Allstate	$1100	$185
State Farm	$1112	$187
Nationwide	$1294	$216

Key Takeaways

Way's key takeaways about car insurance in Newberry

The auto insurance costs in Newberry fall around $325 for six months.
The cheapest auto insurance company in Newberry is American National.
Teen drivers pay the highest rate in Newberry at $26 per month.

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Cheapest Minimum Liability Car Insurance in Newberry

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 Newberry are given below.

American National provides the cheapest minimum car insurance coverage in Newberry. Their Average 6 Month Premium is $143. Nationwide is the most expensive at $661 for the same period.

Cheapest Liability Coverage in Newberry, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$143	$24
American National P&C	$177	$30
Encompass	$211	$36
USAA	$217	$36
South Carolina Farm Bureau	$228	$38
Auto-Owners Insurance Co	$256	$43
American Family	$314	$54
Progressive	$331	$56
Auto-Owners	$371	$62
Travelers	$394	$66
Farm Bureau	$399	$68
Allstate	$405	$68
State Farm	$496	$84
Nationwide	$661	$110

Cheapest Full Coverage Car Insurance in Newberry

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 Newberry is American National P&C at $56 per month and $325 for six months.

Cheapest Full Coverage Car Insurance Quotes in Newberry, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$325	$56
South Carolina Farm Bureau	$422	$70
American National	$468	$79
Auto-Owners Insurance Co	$485	$81
American Family	$735	$125
Encompass	$758	$127
USAA	$838	$141
Auto-Owners	$855	$144
Travelers	$884	$149
Progressive	$929	$156
Farm Bureau	$947	$161
Allstate	$1100	$185
State Farm	$1112	$187
Nationwide	$1294	$216

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Average Car Insurance in Newberry 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 Newberry, SC increasing?

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

Car Insurance Premiums by Age in Newberry

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 Newberry,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 Newberry at $35 per month. At $154 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	$205	$35
South Carolina Farm Bureau	$297	$51
Auto-Owners Insurance Co	$325	$54
American Family	$353	$60
Travelers	$1443	$243
Farm Bureau	$1705	$290
USAA	$1773	$299
Allstate	$1961	$330
Auto-Owners	$2127	$358
Progressive	$2669	$449
State Farm	$2822	$475
Nationwide	$3342	$568
American National	$154	$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 Newberry, South Carolina Farm Bureau is the cheapest car insurance provider. At $428 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 Newberry is State Farm, offering rates of around $4807 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$428	$71
American National P&C	$599	$102
American Family	$684	$114
Auto-Owners Insurance Co	$718	$122
USAA	$998	$166
Travelers	$1237	$208
Progressive	$1284	$216
Allstate	$1569	$264
Farm Bureau	$1699	$283
Nationwide	$1956	$332
Auto-Owners	$2395	$399
State Farm	$4807	$817

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Car Insurance Rates with An Accident in Newberry

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

Cheapest Car Insurance Companies after an At-Fault Accident in Newberry

The cheapest car insurance companies after an at-fault accident in Newberry include American National and American National P&C, offering $182 and $234, respectively. Nationwide is an expensive provider with an average six-month premium of $1864.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$182	$31
American National P&C	$234	$39
Encompass	$262	$44
South Carolina Farm Bureau	$291	$50
American Family	$325	$54
Auto-Owners Insurance Co	$371	$63
Auto-Owners	$770	$130
USAA	$776	$131
Travelers	$787	$132
Farm Bureau	$873	$147
Progressive	$1129	$190
State Farm	$1232	$207
Allstate	$1762	$297
Nationwide	$1864	$317

Newberry Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Newberry SC. For example, the car insurance in Newberry after a DUI increases to $667 for a six month policy. While the rate increases by $291 for a six-month policy in the case of a speeding ticket.

Newberry auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1152	$192
One Med/PIP claim	$1152	$196
Not-at-fault accident	$1214	$203
Two Med/PIP claims	$1226	$208
One comp claim	$1232	$205
Two comp claims	$1272	$216
Failure to wear a seat belt	$1317	$220
Child safety restraint	$1346	$228
Driving without lights	$1346	$225
Failure to show documents	$1357	$230
Failure to yield	$1397	$233
Failure to stop at a red light	$1403	$238
Driving too slowly	$1443	$240
Speeding 6 - 10 MPH over limit	$1443	$246
Speeding in school zone	$1443	$240
At-fault accident - less than $1000	$1449	$247
In 65 MPH zone	$1449	$241
Driving with expired registration	$1454	$248
Following too closely	$1454	$242
Illegal turn	$1454	$248
Speeding 11 - 15 MPH over limit	$1454	$242
Wrong way/wrong lane	$1454	$248
Cell phone violation	$1460	$243
Texting while driving	$1460	$249
Improper passing	$1466	$244
Operating a vehicle without permission	$1466	$250
Speeding 16 - 20 MPH over limit	$1466	$244
Speeding 21 - 25 MPH over limit	$1466	$250
Passing school bus	$1488	$248
Open container	$1500	$255
At-fault accident - $1000-$2000	$1654	$276
At-fault accident - greater than $2000	$1654	$281
Refusal to submit to a chemical test	$1796	$300
DUI	$1819	$309
Reckless driving	$1864	$311
Driving with a suspended license	$1870	$318
Racing	$1876	$313
Leaving scene of an accident/hit and run	$1939	$329

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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 Newberry 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 Newberry.

The cheapest car insurance premiums in Newberry are offered by American National P&C at $262 for a six-month policy. However, it can be as expensive as $223 with companies like American National.

Newberry car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$262	$44
American Family	$274	$46
South Carolina Farm Bureau	$279	$47
Auto-Owners Insurance Co	$582	$99
Farm Bureau	$809	$136
Travelers	$890	$150
USAA	$941	$158
Progressive	$947	$159
State Farm	$1249	$210
Allstate	$1391	$234
Auto-Owners	$1813	$302
Nationwide	$2475	$420
American National	$223	$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 Newberry are offered by American National P&C at $234. However, it can be as expensive as $1573 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Newberry after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$234	$39
South Carolina Farm Bureau	$262	$44
Auto-Owners Insurance Co	$291	$48
American Family	$331	$57
USAA	$787	$132
Auto-Owners	$827	$140
State Farm	$906	$153
Travelers	$918	$155
Farm Bureau	$1026	$171
Progressive	$1072	$180
Allstate	$1294	$218
Nationwide	$1573	$268

Car Insurance Price Trends in Newberry, South Carolina

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

The average cost of full coverage in the Newberry rose by $187 in January compared to $167 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Newberry rose to $58 in January, compared to $56 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 Newberry?

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

What is the cheapest car insurance in Newberry?

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

How much is car insurance in Newberry for teenagers?

Car insurance for teenagers costs $205 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 Newberry?

The average cost of car insurance is $829 for a six-month policy. It will cost around $133 per month to insure your car in Newberry.

Is car insurance expensive in Newberry?

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

What is the best car insurance in Newberry, SC?

The best car insurance company in Newberry SC is American National P&C, offering $325 for a six-month policy.