Cheapest Car Insurance Quotes in North Hartsville

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North Hartsville Car Insurance

^$ 27

/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 North Hartsville

The car insurance rate in North Hartsville is $895 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $366, making it a popular choice for budget-conscious drivers. Rates in North Hartsville 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 North Hartsville

$895

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in North Hartsville

1st place: American National P&C

At $366 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 $475 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 $526 for six months, making it the third cheapest auto insurance company in North Hartsville.

North Hartsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Hartsville, SC is American National P&C, offering policies at just $366 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $475.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1456 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Hartsville drivers find the best deals.

Cheap Car Insurance Companies in North Hartsville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$63
South Carolina Farm Bureau	$475	$79
American National	$526	$89
Auto-Owners Insurance Co	$545	$91
American Family	$827	$140
Encompass	$853	$143
USAA	$943	$159
Auto-Owners	$962	$162
Travelers	$995	$167
Progressive	$1045	$176
Farm Bureau	$1065	$181
Allstate	$1238	$208
State Farm	$1251	$211
Nationwide	$1456	$243

Key Takeaways

Way's key takeaways about car insurance in North Hartsville

The auto insurance costs in North Hartsville fall around $366 for six months.
The cheapest auto insurance company in North Hartsville is American National.
Teen drivers pay the highest rate in North Hartsville at $29 per month.

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Cheapest Minimum Liability Car Insurance in North Hartsville

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 North Hartsville are given below.

American National provides the cheapest minimum car insurance coverage in North Hartsville. Their Average 6 Month Premium is $161. Nationwide is the most expensive at $744 for the same period.

Cheapest Liability Coverage in North Hartsville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$161	$27
American National P&C	$199	$33
Encompass	$238	$40
USAA	$244	$41
South Carolina Farm Bureau	$257	$43
Auto-Owners Insurance Co	$288	$49
American Family	$353	$60
Progressive	$373	$63
Auto-Owners	$417	$70
Travelers	$443	$75
Farm Bureau	$449	$77
Allstate	$456	$77
State Farm	$558	$94
Nationwide	$744	$124

Cheapest Full Coverage Car Insurance in North Hartsville

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 North Hartsville is American National P&C at $63 per month and $366 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Hartsville, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$366	$63
South Carolina Farm Bureau	$475	$79
American National	$526	$89
Auto-Owners Insurance Co	$545	$91
American Family	$827	$140
Encompass	$853	$143
USAA	$943	$159
Auto-Owners	$962	$162
Travelers	$995	$167
Progressive	$1045	$176
Farm Bureau	$1065	$181
Allstate	$1238	$208
State Farm	$1251	$211
Nationwide	$1456	$243

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Average Car Insurance in North Hartsville 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 North Hartsville, SC increasing?

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

Car Insurance Premiums by Age in North Hartsville

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 North Hartsville,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 North Hartsville at $39 per month. At $173 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	$231	$39
South Carolina Farm Bureau	$334	$57
Auto-Owners Insurance Co	$366	$60
American Family	$397	$68
Travelers	$1623	$273
Farm Bureau	$1918	$326
USAA	$1995	$336
Allstate	$2206	$372
Auto-Owners	$2393	$403
Progressive	$3002	$505
State Farm	$3175	$535
Nationwide	$3759	$639
American National	$173	$29

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 North Hartsville, South Carolina Farm Bureau is the cheapest car insurance provider. At $482 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 North Hartsville is State Farm, offering rates of around $5408 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$482	$80
American National P&C	$674	$114
American Family	$770	$129
Auto-Owners Insurance Co	$808	$137
USAA	$1123	$187
Travelers	$1392	$234
Progressive	$1444	$243
Allstate	$1765	$297
Farm Bureau	$1912	$319
Nationwide	$2200	$374
Auto-Owners	$2695	$449
State Farm	$5408	$919

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Car Insurance Rates with An Accident in North Hartsville

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Hartsville

The cheapest car insurance companies after an at-fault accident in North Hartsville include American National and American National P&C, offering $205 and $264, respectively. Nationwide is an expensive provider with an average six-month premium of $2097.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$205	$35
American National P&C	$264	$44
Encompass	$295	$50
South Carolina Farm Bureau	$327	$56
American Family	$366	$60
Auto-Owners Insurance Co	$417	$71
Auto-Owners	$866	$146
USAA	$873	$147
Travelers	$886	$149
Farm Bureau	$982	$165
Progressive	$1270	$214
State Farm	$1386	$233
Allstate	$1982	$334
Nationwide	$2097	$356

North Hartsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Hartsville SC. For example, the car insurance in North Hartsville after a DUI increases to $751 for a six month policy. While the rate increases by $327 for a six-month policy in the case of a speeding ticket.

North Hartsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1296	$216
One Med/PIP claim	$1296	$220
Not-at-fault accident	$1366	$228
Two Med/PIP claims	$1379	$234
One comp claim	$1386	$231
Two comp claims	$1431	$243
Failure to wear a seat belt	$1482	$247
Child safety restraint	$1514	$257
Driving without lights	$1514	$253
Failure to show documents	$1527	$259
Failure to yield	$1571	$262
Failure to stop at a red light	$1578	$268
Driving too slowly	$1623	$270
Speeding 6 - 10 MPH over limit	$1623	$276
Speeding in school zone	$1623	$270
At-fault accident - less than $1000	$1630	$278
In 65 MPH zone	$1630	$271
Driving with expired registration	$1636	$279
Following too closely	$1636	$272
Illegal turn	$1636	$279
Speeding 11 - 15 MPH over limit	$1636	$272
Wrong way/wrong lane	$1636	$279
Cell phone violation	$1643	$273
Texting while driving	$1643	$280
Improper passing	$1649	$274
Operating a vehicle without permission	$1649	$281
Speeding 16 - 20 MPH over limit	$1649	$274
Speeding 21 - 25 MPH over limit	$1649	$281
Passing school bus	$1674	$279
Open container	$1687	$287
At-fault accident - $1000-$2000	$1861	$310
At-fault accident - greater than $2000	$1861	$316
Refusal to submit to a chemical test	$2021	$337
DUI	$2047	$348
Reckless driving	$2097	$350
Driving with a suspended license	$2104	$357
Racing	$2110	$352
Leaving scene of an accident/hit and run	$2182	$370

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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 North Hartsville 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 North Hartsville.

The cheapest car insurance premiums in North Hartsville are offered by American National P&C at $295 for a six-month policy. However, it can be as expensive as $251 with companies like American National.

North Hartsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$295	$50
American Family	$308	$52
South Carolina Farm Bureau	$314	$53
Auto-Owners Insurance Co	$654	$111
Farm Bureau	$910	$153
Travelers	$1001	$168
USAA	$1058	$178
Progressive	$1065	$179
State Farm	$1405	$237
Allstate	$1565	$264
Auto-Owners	$2040	$340
Nationwide	$2784	$473
American National	$251	$42

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 North Hartsville are offered by American National P&C at $264. However, it can be as expensive as $1770 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in North Hartsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$264	$44
South Carolina Farm Bureau	$295	$50
Auto-Owners Insurance Co	$327	$54
American Family	$373	$64
USAA	$886	$148
Auto-Owners	$930	$158
State Farm	$1020	$172
Travelers	$1032	$174
Farm Bureau	$1155	$192
Progressive	$1206	$203
Allstate	$1456	$245
Nationwide	$1770	$301

Car Insurance Price Trends in North Hartsville, South Carolina

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

The average cost of full coverage in the North Hartsville rose by $211 in January compared to $188 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the North Hartsville rose to $65 in January, compared to $63 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 North Hartsville?

The car insurance in North Hartsville is $27 per month, which is lower than the national average.

What is the cheapest car insurance in North Hartsville?

The cheapest car insurance in North Hartsville is $63 per month for full coverage.

How much is car insurance in North Hartsville for teenagers?

Car insurance for teenagers costs $231 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 North Hartsville?

The average cost of car insurance is $829 for a six-month policy. It will cost around $150 per month to insure your car in North Hartsville.

Is car insurance expensive in North Hartsville?

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

What is the best car insurance in North Hartsville, SC?

The best car insurance company in North Hartsville SC is American National P&C, offering $366 for a six-month policy.