Cheapest Car Insurance Quotes in Pawleys Island

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Pawleys Island Car Insurance

^$ 25

/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 Pawleys Island

The car insurance rate in Pawleys Island is $829 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Pawleys Island 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 Pawleys Island

$829

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Pawleys Island

1st place: American National P&C

At $339 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 $440 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 $487 for six months, making it the third cheapest auto insurance company in Pawleys Island.

Pawleys Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pawleys Island, SC is American National P&C, offering policies at just $339 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $440.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pawleys Island drivers find the best deals.

Cheap Car Insurance Companies in Pawleys Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Encompass	$790	$132
USAA	$873	$147
Auto-Owners	$891	$150
Travelers	$921	$155
Progressive	$968	$163
Farm Bureau	$986	$168
Allstate	$1146	$193
State Farm	$1158	$195
Nationwide	$1348	$225

Key Takeaways

Way's key takeaways about car insurance in Pawleys Island

The auto insurance costs in Pawleys Island fall around $339 for six months.
The cheapest auto insurance company in Pawleys Island is American National.
Teen drivers pay the highest rate in Pawleys Island at $27 per month.

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Cheapest Minimum Liability Car Insurance in Pawleys Island

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 Pawleys Island are given below.

American National provides the cheapest minimum car insurance coverage in Pawleys Island. Their Average 6 Month Premium is $149. Nationwide is the most expensive at $689 for the same period.

Cheapest Liability Coverage in Pawleys Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$149	$25
American National P&C	$184	$31
Encompass	$220	$37
USAA	$226	$38
South Carolina Farm Bureau	$238	$40
Auto-Owners Insurance Co	$267	$45
American Family	$327	$56
Progressive	$345	$58
Auto-Owners	$386	$65
Travelers	$410	$69
Farm Bureau	$416	$71
Allstate	$422	$71
State Farm	$517	$87
Nationwide	$689	$115

Cheapest Full Coverage Car Insurance in Pawleys Island

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 Pawleys Island is American National P&C at $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pawleys Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$339	$58
South Carolina Farm Bureau	$440	$73
American National	$487	$82
Auto-Owners Insurance Co	$505	$84
American Family	$766	$130
Encompass	$790	$132
USAA	$873	$147
Auto-Owners	$891	$150
Travelers	$921	$155
Progressive	$968	$163
Farm Bureau	$986	$168
Allstate	$1146	$193
State Farm	$1158	$195
Nationwide	$1348	$225

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Average Car Insurance in Pawleys Island 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 Pawleys Island, SC increasing?

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

Car Insurance Premiums by Age in Pawleys Island

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 Pawleys Island,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 Pawleys Island at $36 per month. At $160 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	$214	$36
South Carolina Farm Bureau	$309	$53
Auto-Owners Insurance Co	$339	$56
American Family	$368	$63
Travelers	$1503	$253
Farm Bureau	$1776	$302
USAA	$1847	$311
Allstate	$2043	$344
Auto-Owners	$2216	$373
Progressive	$2780	$468
State Farm	$2940	$495
Nationwide	$3481	$592
American National	$160	$27

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 Pawleys Island, South Carolina Farm Bureau is the cheapest car insurance provider. At $446 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 Pawleys Island is State Farm, offering rates of around $5007 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$446	$74
American National P&C	$624	$106
American Family	$713	$119
Auto-Owners Insurance Co	$748	$127
USAA	$1040	$173
Travelers	$1289	$217
Progressive	$1337	$225
Allstate	$1634	$275
Farm Bureau	$1770	$295
Nationwide	$2037	$346
Auto-Owners	$2495	$416
State Farm	$5007	$851

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Car Insurance Rates with An Accident in Pawleys Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pawleys Island

The cheapest car insurance companies after an at-fault accident in Pawleys Island include American National and American National P&C, offering $190 and $244, respectively. Nationwide is an expensive provider with an average six-month premium of $1942.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$190	$32
American National P&C	$244	$41
Encompass	$273	$46
South Carolina Farm Bureau	$303	$52
American Family	$339	$56
Auto-Owners Insurance Co	$386	$66
Auto-Owners	$802	$135
USAA	$808	$136
Travelers	$820	$138
Farm Bureau	$909	$153
Progressive	$1176	$198
State Farm	$1283	$216
Allstate	$1835	$309
Nationwide	$1942	$330

Pawleys Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pawleys Island SC. For example, the car insurance in Pawleys Island after a DUI increases to $695 for a six month policy. While the rate increases by $303 for a six-month policy in the case of a speeding ticket.

Pawleys Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1200	$200
One Med/PIP claim	$1200	$204
Not-at-fault accident	$1265	$211
Two Med/PIP claims	$1277	$217
One comp claim	$1283	$214
Two comp claims	$1325	$225
Failure to wear a seat belt	$1372	$229
Child safety restraint	$1402	$238
Driving without lights	$1402	$234
Failure to show documents	$1414	$240
Failure to yield	$1455	$243
Failure to stop at a red light	$1461	$248
Driving too slowly	$1503	$250
Speeding 6 - 10 MPH over limit	$1503	$256
Speeding in school zone	$1503	$250
At-fault accident - less than $1000	$1509	$257
In 65 MPH zone	$1509	$251
Driving with expired registration	$1515	$258
Following too closely	$1515	$252
Illegal turn	$1515	$258
Speeding 11 - 15 MPH over limit	$1515	$252
Wrong way/wrong lane	$1515	$258
Cell phone violation	$1521	$253
Texting while driving	$1521	$259
Improper passing	$1527	$254
Operating a vehicle without permission	$1527	$260
Speeding 16 - 20 MPH over limit	$1527	$254
Speeding 21 - 25 MPH over limit	$1527	$260
Passing school bus	$1550	$258
Open container	$1562	$266
At-fault accident - $1000-$2000	$1723	$287
At-fault accident - greater than $2000	$1723	$293
Refusal to submit to a chemical test	$1871	$312
DUI	$1895	$322
Reckless driving	$1942	$324
Driving with a suspended license	$1948	$331
Racing	$1954	$326
Leaving scene of an accident/hit and run	$2020	$343

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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 Pawleys Island 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 Pawleys Island.

The cheapest car insurance premiums in Pawleys Island are offered by American National P&C at $273 for a six-month policy. However, it can be as expensive as $232 with companies like American National.

Pawleys Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$46
American Family	$285	$48
South Carolina Farm Bureau	$291	$49
Auto-Owners Insurance Co	$606	$103
Farm Bureau	$843	$142
Travelers	$927	$156
USAA	$980	$165
Progressive	$986	$166
State Farm	$1301	$219
Allstate	$1449	$244
Auto-Owners	$1889	$315
Nationwide	$2578	$438
American National	$232	$39

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 Pawleys Island are offered by American National P&C at $244. However, it can be as expensive as $1639 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pawleys Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$244	$41
South Carolina Farm Bureau	$273	$46
Auto-Owners Insurance Co	$303	$50
American Family	$345	$59
USAA	$820	$137
Auto-Owners	$861	$146
State Farm	$944	$159
Travelers	$956	$161
Farm Bureau	$1069	$178
Progressive	$1117	$188
Allstate	$1348	$227
Nationwide	$1639	$279

Car Insurance Price Trends in Pawleys Island, South Carolina

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

The average cost of full coverage in the Pawleys Island rose by $195 in January compared to $174 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Pawleys Island rose to $60 in January, compared to $58 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 Pawleys Island?

The car insurance in Pawleys Island is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Pawleys Island?

The cheapest car insurance in Pawleys Island is $58 per month for full coverage.

How much is car insurance in Pawleys Island for teenagers?

Car insurance for teenagers costs $214 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 Pawleys Island?

The average cost of car insurance is $829 for a six-month policy. It will cost around $139 per month to insure your car in Pawleys Island.

Is car insurance expensive in Pawleys Island?

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

What is the best car insurance in Pawleys Island, SC?

The best car insurance company in Pawleys Island SC is American National P&C, offering $339 for a six-month policy.