Cheapest Car Insurance Quotes in Pamplico

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399,755 Policies Sold

Pamplico Car Insurance

^$ 28

/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 Pamplico

The car insurance rate in Pamplico is $832 for a six-month policy, which is $76 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $373, making it a popular choice for budget-conscious drivers. Rates in Pamplico 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 Pamplico

$832

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Pamplico

1st place: American National P&C

At $373 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 $484 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 $536 for six months, making it the third cheapest auto insurance company in Pamplico.

Pamplico Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pamplico, SC is American National P&C, offering policies at just $373 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $484.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1156 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pamplico drivers find the best deals.

Cheap Car Insurance Companies in Pamplico, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$373	$64
South Carolina Farm Bureau	$484	$80
American National	$536	$90
Auto-Owners Insurance Co	$556	$92
American Family	$843	$143
Farm Bureau	$849	$142
Encompass	$869	$147
Auto-Owners	$941	$158
USAA	$941	$158
Travelers	$974	$164
Progressive	$987	$166
Nationwide	$1033	$172
Allstate	$1104	$186
State Farm	$1156	$195

Key Takeaways

Way's key takeaways about car insurance in Pamplico

The auto insurance costs in Pamplico fall around $373 for six months.
The cheapest auto insurance company in Pamplico is American National.
Teen drivers pay the highest rate in Pamplico at $30 per month.

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Cheapest Minimum Liability Car Insurance in Pamplico

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 Pamplico are given below.

American National provides the cheapest minimum car insurance coverage in Pamplico. Their Average 6 Month Premium is $164. State Farm is the most expensive at $523 for the same period.

Cheapest Liability Coverage in Pamplico, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$164	$28
American National P&C	$202	$34
Encompass	$242	$41
USAA	$242	$41
South Carolina Farm Bureau	$262	$44
Auto-Owners Insurance Co	$294	$50
American Family	$360	$62
Progressive	$373	$63
Auto-Owners	$398	$67
Farm Bureau	$405	$67
Travelers	$444	$75
Allstate	$458	$77
Nationwide	$496	$85
State Farm	$523	$88

Cheapest Full Coverage Car Insurance in Pamplico

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 Pamplico is American National P&C at $64 per month and $373 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pamplico, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$373	$64
South Carolina Farm Bureau	$484	$80
American National	$536	$90
Auto-Owners Insurance Co	$556	$92
American Family	$843	$143
Farm Bureau	$849	$142
Encompass	$869	$147
Auto-Owners	$941	$158
USAA	$941	$158
Travelers	$974	$164
Progressive	$987	$166
Nationwide	$1033	$172
Allstate	$1104	$186
State Farm	$1156	$195

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Average Car Insurance in Pamplico 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 Pamplico, SC increasing?

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

Car Insurance Premiums by Age in Pamplico

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 Pamplico,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 Pamplico at $40 per month. At $176 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	$235	$40
South Carolina Farm Bureau	$340	$58
Auto-Owners Insurance Co	$373	$62
American Family	$405	$69
Travelers	$1464	$246
Farm Bureau	$1569	$266
Allstate	$1934	$326
USAA	$1940	$327
Auto-Owners	$2549	$429
Progressive	$2751	$463
State Farm	$2869	$483
Nationwide	$3744	$637
American National	$176	$30

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 Pamplico, South Carolina Farm Bureau is the cheapest car insurance provider. At $491 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 Pamplico is State Farm, offering rates of around $4078 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$491	$81
American National P&C	$686	$117
American Family	$784	$131
Auto-Owners Insurance Co	$823	$140
USAA	$1052	$175
Progressive	$1229	$207
Travelers	$1254	$211
Allstate	$1411	$238
Farm Bureau	$1529	$255
Nationwide	$1575	$267
Auto-Owners	$2431	$405
State Farm	$4078	$693

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Car Insurance Rates with An Accident in Pamplico

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

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

The cheapest car insurance companies after an at-fault accident in Pamplico include American National and American National P&C, offering $209 and $268, respectively. Allstate is an expensive provider with an average six-month premium of $2013.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$209	$35
American National P&C	$268	$45
Encompass	$300	$51
South Carolina Farm Bureau	$333	$57
American Family	$373	$62
Auto-Owners Insurance Co	$425	$73
Farm Bureau	$941	$158
Travelers	$954	$161
USAA	$987	$166
Auto-Owners	$1058	$178
Progressive	$1307	$220
State Farm	$1529	$257
Nationwide	$1993	$332
Allstate	$2013	$339

Pamplico Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pamplico SC. For example, the car insurance in Pamplico after a DUI increases to $765 for a six month policy. While the rate increases by $333 for a six-month policy in the case of a speeding ticket.

Pamplico auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1320	$220
One Med/PIP claim	$1320	$224
Not-at-fault accident	$1392	$232
Two Med/PIP claims	$1405	$239
One comp claim	$1411	$235
Two comp claims	$1458	$248
Failure to wear a seat belt	$1509	$252
Child safety restraint	$1542	$262
Driving without lights	$1542	$257
Failure to show documents	$1555	$264
Failure to yield	$1601	$267
Failure to stop at a red light	$1607	$273
Driving too slowly	$1653	$275
Speeding 6 - 10 MPH over limit	$1653	$282
Speeding in school zone	$1653	$275
At-fault accident - less than $1000	$1660	$283
In 65 MPH zone	$1660	$276
Driving with expired registration	$1667	$284
Following too closely	$1667	$277
Illegal turn	$1667	$284
Speeding 11 - 15 MPH over limit	$1667	$277
Wrong way/wrong lane	$1667	$284
Cell phone violation	$1673	$278
Texting while driving	$1673	$285
Improper passing	$1680	$279
Operating a vehicle without permission	$1680	$286
Speeding 16 - 20 MPH over limit	$1680	$279
Speeding 21 - 25 MPH over limit	$1680	$286
Passing school bus	$1705	$284
Open container	$1718	$293
At-fault accident - $1000-$2000	$1895	$316
At-fault accident - greater than $2000	$1895	$322
Refusal to submit to a chemical test	$2058	$343
DUI	$2085	$354
Reckless driving	$2136	$356
Driving with a suspended license	$2143	$364
Racing	$2149	$359
Leaving scene of an accident/hit and run	$2222	$377

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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 Pamplico 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 Pamplico.

The cheapest car insurance premiums in Pamplico are offered by American National P&C at $300 for a six-month policy. However, it can be as expensive as $255 with companies like American National.

Pamplico car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$300	$51
American Family	$314	$53
South Carolina Farm Bureau	$320	$54
Auto-Owners Insurance Co	$667	$113
Farm Bureau	$791	$133
Travelers	$947	$160
Progressive	$987	$166
USAA	$1038	$175
State Farm	$1209	$204
Allstate	$1385	$233
Auto-Owners	$1738	$289
Nationwide	$1902	$323
American National	$255	$43

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 Pamplico are offered by American National P&C at $268. However, it can be as expensive as $1235 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pamplico after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$268	$45
South Carolina Farm Bureau	$300	$51
Auto-Owners Insurance Co	$333	$55
American Family	$380	$65
Auto-Owners	$798	$133
USAA	$829	$141
State Farm	$856	$144
Farm Bureau	$927	$157
Travelers	$947	$160
Progressive	$1026	$173
Allstate	$1183	$199
Nationwide	$1235	$210

Car Insurance Price Trends in Pamplico, South Carolina

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

The average cost of full coverage in the Pamplico rose by $191 in December compared to $189 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 Pamplico rose to $64 in December, compared to $61 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 Pamplico?

The car insurance in Pamplico is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Pamplico?

The cheapest car insurance in Pamplico is $64 per month for full coverage.

How much is car insurance in Pamplico for teenagers?

Car insurance for teenagers costs $235 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 Pamplico?

The average cost of car insurance is $756 for a six-month policy. It will cost around $140 per month to insure your car in Pamplico.

Is car insurance expensive in Pamplico?

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

What is the best car insurance in Pamplico, SC?

The best car insurance company in Pamplico SC is American National P&C, offering $373 for a six-month policy.