Cheapest Car Insurance Quotes in Pinewood

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Pinewood Car Insurance

^$ 26

/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 Pinewood

The car insurance rate in Pinewood is $794 for a six-month policy, which is $38 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $356, making it a popular choice for budget-conscious drivers. Rates in Pinewood 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 Pinewood

$794

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Pinewood

1st place: American National P&C

At $356 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 $462 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 $511 for six months, making it the third cheapest auto insurance company in Pinewood.

Pinewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pinewood, SC is American National P&C, offering policies at just $356 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $462.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1104 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinewood drivers find the best deals.

Cheap Car Insurance Companies in Pinewood, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$356	$61
South Carolina Farm Bureau	$462	$77
American National	$511	$86
Auto-Owners Insurance Co	$530	$88
American Family	$804	$137
Farm Bureau	$811	$135
Encompass	$830	$141
Auto-Owners	$898	$151
USAA	$898	$151
Travelers	$929	$156
Progressive	$942	$159
Nationwide	$986	$164
Allstate	$1054	$177
State Farm	$1104	$186

Key Takeaways

Way's key takeaways about car insurance in Pinewood

The auto insurance costs in Pinewood fall around $356 for six months.
The cheapest auto insurance company in Pinewood is American National.
Teen drivers pay the highest rate in Pinewood at $28 per month.

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Cheapest Minimum Liability Car Insurance in Pinewood

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 Pinewood are given below.

American National provides the cheapest minimum car insurance coverage in Pinewood. Their Average 6 Month Premium is $156. State Farm is the most expensive at $499 for the same period.

Cheapest Liability Coverage in Pinewood, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$156	$26
American National P&C	$193	$33
Encompass	$231	$39
USAA	$231	$39
South Carolina Farm Bureau	$250	$42
Auto-Owners Insurance Co	$280	$47
American Family	$343	$59
Progressive	$356	$60
Auto-Owners	$380	$64
Farm Bureau	$386	$64
Travelers	$424	$71
Allstate	$437	$74
Nationwide	$474	$81
State Farm	$499	$84

Cheapest Full Coverage Car Insurance in Pinewood

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 Pinewood is American National P&C at $61 per month and $356 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pinewood, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$356	$61
South Carolina Farm Bureau	$462	$77
American National	$511	$86
Auto-Owners Insurance Co	$530	$88
American Family	$804	$137
Farm Bureau	$811	$135
Encompass	$830	$141
Auto-Owners	$898	$151
USAA	$898	$151
Travelers	$929	$156
Progressive	$942	$159
Nationwide	$986	$164
Allstate	$1054	$177
State Farm	$1104	$186

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Average Car Insurance in Pinewood 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 Pinewood, SC increasing?

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

Car Insurance Premiums by Age in Pinewood

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 Pinewood,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 Pinewood at $38 per month. At $168 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	$225	$38
South Carolina Farm Bureau	$324	$56
Auto-Owners Insurance Co	$356	$59
American Family	$386	$66
Travelers	$1398	$235
Farm Bureau	$1497	$254
Allstate	$1846	$311
USAA	$1852	$312
Auto-Owners	$2433	$410
Progressive	$2626	$442
State Farm	$2738	$461
Nationwide	$3574	$608
American National	$168	$28

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 Pinewood, South Carolina Farm Bureau is the cheapest car insurance provider. At $468 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 Pinewood is State Farm, offering rates of around $3892 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$468	$78
American National P&C	$655	$111
American Family	$749	$125
Auto-Owners Insurance Co	$785	$133
USAA	$1004	$167
Progressive	$1173	$197
Travelers	$1197	$202
Allstate	$1347	$227
Farm Bureau	$1460	$244
Nationwide	$1504	$255
Auto-Owners	$2321	$386
State Farm	$3892	$662

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Car Insurance Rates with An Accident in Pinewood

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

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

The cheapest car insurance companies after an at-fault accident in Pinewood include American National and American National P&C, offering $200 and $256, respectively. Allstate is an expensive provider with an average six-month premium of $1922.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$200	$34
American National P&C	$256	$43
Encompass	$287	$48
South Carolina Farm Bureau	$318	$55
American Family	$356	$59
Auto-Owners Insurance Co	$405	$69
Farm Bureau	$898	$151
Travelers	$910	$153
USAA	$942	$159
Auto-Owners	$1010	$170
Progressive	$1247	$210
State Farm	$1460	$246
Nationwide	$1903	$317
Allstate	$1922	$323

Pinewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pinewood SC. For example, the car insurance in Pinewood after a DUI increases to $730 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Pinewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1260	$210
One Med/PIP claim	$1260	$214
Not-at-fault accident	$1328	$222
Two Med/PIP claims	$1341	$228
One comp claim	$1347	$225
Two comp claims	$1391	$236
Failure to wear a seat belt	$1441	$240
Child safety restraint	$1472	$250
Driving without lights	$1472	$246
Failure to show documents	$1485	$252
Failure to yield	$1528	$255
Failure to stop at a red light	$1534	$260
Driving too slowly	$1578	$263
Speeding 6 - 10 MPH over limit	$1578	$269
Speeding in school zone	$1578	$263
At-fault accident - less than $1000	$1584	$270
In 65 MPH zone	$1584	$264
Driving with expired registration	$1591	$271
Following too closely	$1591	$265
Illegal turn	$1591	$271
Speeding 11 - 15 MPH over limit	$1591	$265
Wrong way/wrong lane	$1591	$271
Cell phone violation	$1597	$266
Texting while driving	$1597	$272
Improper passing	$1603	$267
Operating a vehicle without permission	$1603	$273
Speeding 16 - 20 MPH over limit	$1603	$267
Speeding 21 - 25 MPH over limit	$1603	$273
Passing school bus	$1628	$271
Open container	$1640	$279
At-fault accident - $1000-$2000	$1809	$301
At-fault accident - greater than $2000	$1809	$308
Refusal to submit to a chemical test	$1965	$328
DUI	$1990	$338
Reckless driving	$2039	$340
Driving with a suspended license	$2045	$348
Racing	$2052	$342
Leaving scene of an accident/hit and run	$2121	$360

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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 Pinewood 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 Pinewood.

The cheapest car insurance premiums in Pinewood are offered by American National P&C at $287 for a six-month policy. However, it can be as expensive as $244 with companies like American National.

Pinewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$287	$48
American Family	$299	$50
South Carolina Farm Bureau	$306	$51
Auto-Owners Insurance Co	$636	$108
Farm Bureau	$755	$127
Travelers	$904	$152
Progressive	$942	$159
USAA	$991	$167
State Farm	$1154	$194
Allstate	$1322	$223
Auto-Owners	$1659	$276
Nationwide	$1815	$309
American National	$244	$41

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 Pinewood are offered by American National P&C at $256. However, it can be as expensive as $1179 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Pinewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$256	$43
South Carolina Farm Bureau	$287	$48
Auto-Owners Insurance Co	$318	$53
American Family	$362	$62
Auto-Owners	$761	$127
USAA	$792	$134
State Farm	$817	$138
Farm Bureau	$885	$150
Travelers	$904	$152
Progressive	$980	$165
Allstate	$1129	$190
Nationwide	$1179	$201

Car Insurance Price Trends in Pinewood, South Carolina

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

The average cost of full coverage in the Pinewood rose by $183 in December compared to $181 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 Pinewood rose to $61 in December, compared to $58 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 Pinewood?

The car insurance in Pinewood is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Pinewood?

The cheapest car insurance in Pinewood is $61 per month for full coverage.

How much is car insurance in Pinewood for teenagers?

Car insurance for teenagers costs $225 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 Pinewood?

The average cost of car insurance is $756 for a six-month policy. It will cost around $133 per month to insure your car in Pinewood.

Is car insurance expensive in Pinewood?

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

What is the best car insurance in Pinewood, SC?

The best car insurance company in Pinewood SC is American National P&C, offering $356 for a six-month policy.