Cheapest Car Insurance Quotes in Red Bank

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Red Bank 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 Red Bank

The car insurance rate in Red Bank is $748 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $336, making it a popular choice for budget-conscious drivers. Rates in Red Bank 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 Red Bank

$748

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Red Bank

1st place: American National P&C

At $336 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 $436 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 $482 for six months, making it the third cheapest auto insurance company in Red Bank.

Red Bank Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Bank, SC is American National P&C, offering policies at just $336 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $436.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1040 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Bank drivers find the best deals.

Cheap Car Insurance Companies in Red Bank, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$336	$57
South Carolina Farm Bureau	$436	$72
American National	$482	$81
Auto-Owners Insurance Co	$500	$83
American Family	$758	$129
Farm Bureau	$764	$128
Encompass	$782	$133
Auto-Owners	$846	$143
USAA	$846	$143
Travelers	$876	$148
Progressive	$888	$149
Nationwide	$930	$154
Allstate	$994	$167
State Farm	$1040	$175

Key Takeaways

Way's key takeaways about car insurance in Red Bank

The auto insurance costs in Red Bank fall around $336 for six months.
The cheapest auto insurance company in Red Bank is American National.
Teen drivers pay the highest rate in Red Bank at $27 per month.

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Cheapest Minimum Liability Car Insurance in Red Bank

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 Red Bank are given below.

American National provides the cheapest minimum car insurance coverage in Red Bank. Their Average 6 Month Premium is $148. State Farm is the most expensive at $470 for the same period.

Cheapest Liability Coverage in Red Bank, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$148	$25
American National P&C	$182	$31
Encompass	$218	$37
USAA	$218	$37
South Carolina Farm Bureau	$236	$40
Auto-Owners Insurance Co	$264	$45
American Family	$324	$55
Progressive	$336	$56
Auto-Owners	$358	$60
Farm Bureau	$364	$60
Travelers	$400	$67
Allstate	$412	$69
Nationwide	$446	$76
State Farm	$470	$79

Cheapest Full Coverage Car Insurance in Red Bank

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 Red Bank is American National P&C at $57 per month and $336 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Bank, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$336	$57
South Carolina Farm Bureau	$436	$72
American National	$482	$81
Auto-Owners Insurance Co	$500	$83
American Family	$758	$129
Farm Bureau	$764	$128
Encompass	$782	$133
Auto-Owners	$846	$143
USAA	$846	$143
Travelers	$876	$148
Progressive	$888	$149
Nationwide	$930	$154
Allstate	$994	$167
State Farm	$1040	$175

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Average Car Insurance in Red Bank 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 Red Bank, SC increasing?

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

Car Insurance Premiums by Age in Red Bank

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 Red Bank,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 Red Bank at $36 per month. At $158 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	$212	$36
South Carolina Farm Bureau	$306	$52
Auto-Owners Insurance Co	$336	$55
American Family	$364	$62
Travelers	$1318	$222
Farm Bureau	$1412	$240
Allstate	$1740	$293
USAA	$1746	$294
Auto-Owners	$2294	$386
Progressive	$2476	$417
State Farm	$2582	$435
Nationwide	$3370	$573
American National	$158	$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 Red Bank, South Carolina Farm Bureau is the cheapest car insurance provider. At $442 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 Red Bank is State Farm, offering rates of around $3670 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$442	$73
American National P&C	$618	$105
American Family	$706	$118
Auto-Owners Insurance Co	$741	$126
USAA	$946	$157
Progressive	$1106	$186
Travelers	$1129	$190
Allstate	$1270	$214
Farm Bureau	$1376	$230
Nationwide	$1418	$241
Auto-Owners	$2188	$364
State Farm	$3670	$624

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Car Insurance Rates with An Accident in Red Bank

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

Cheapest Car Insurance Companies after an At-Fault Accident in Red Bank

The cheapest car insurance companies after an at-fault accident in Red Bank include American National and American National P&C, offering $188 and $242, respectively. Allstate is an expensive provider with an average six-month premium of $1812.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$188	$32
American National P&C	$242	$41
Encompass	$270	$46
South Carolina Farm Bureau	$300	$51
American Family	$336	$55
Auto-Owners Insurance Co	$382	$65
Farm Bureau	$846	$143
Travelers	$858	$145
USAA	$888	$149
Auto-Owners	$952	$160
Progressive	$1176	$198
State Farm	$1376	$232
Nationwide	$1794	$299
Allstate	$1812	$305

Red Bank Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Bank SC. For example, the car insurance in Red Bank after a DUI increases to $688 for a six month policy. While the rate increases by $300 for a six-month policy in the case of a speeding ticket.

Red Bank auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1188	$198
One Med/PIP claim	$1188	$202
Not-at-fault accident	$1252	$209
Two Med/PIP claims	$1264	$215
One comp claim	$1270	$212
Two comp claims	$1312	$223
Failure to wear a seat belt	$1358	$227
Child safety restraint	$1388	$236
Driving without lights	$1388	$232
Failure to show documents	$1400	$238
Failure to yield	$1440	$241
Failure to stop at a red light	$1446	$246
Driving too slowly	$1488	$248
Speeding 6 - 10 MPH over limit	$1488	$253
Speeding in school zone	$1488	$248
At-fault accident - less than $1000	$1494	$254
In 65 MPH zone	$1494	$248
Driving with expired registration	$1500	$255
Following too closely	$1500	$249
Illegal turn	$1500	$255
Speeding 11 - 15 MPH over limit	$1500	$249
Wrong way/wrong lane	$1500	$255
Cell phone violation	$1506	$250
Texting while driving	$1506	$256
Improper passing	$1512	$251
Operating a vehicle without permission	$1512	$257
Speeding 16 - 20 MPH over limit	$1512	$251
Speeding 21 - 25 MPH over limit	$1512	$257
Passing school bus	$1535	$255
Open container	$1546	$263
At-fault accident - $1000-$2000	$1706	$284
At-fault accident - greater than $2000	$1706	$290
Refusal to submit to a chemical test	$1852	$309
DUI	$1876	$319
Reckless driving	$1923	$321
Driving with a suspended license	$1929	$328
Racing	$1934	$323
Leaving scene of an accident/hit and run	$2000	$340

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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 Red Bank 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 Red Bank.

The cheapest car insurance premiums in Red Bank are offered by American National P&C at $270 for a six-month policy. However, it can be as expensive as $230 with companies like American National.

Red Bank car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$270	$46
American Family	$282	$48
South Carolina Farm Bureau	$288	$49
Auto-Owners Insurance Co	$600	$102
Farm Bureau	$712	$120
Travelers	$852	$144
Progressive	$888	$149
USAA	$935	$157
State Farm	$1088	$183
Allstate	$1246	$210
Auto-Owners	$1564	$260
Nationwide	$1712	$291
American National	$230	$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 Red Bank are offered by American National P&C at $242. However, it can be as expensive as $1112 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Red Bank after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$242	$41
South Carolina Farm Bureau	$270	$46
Auto-Owners Insurance Co	$300	$50
American Family	$342	$58
Auto-Owners	$718	$120
USAA	$746	$127
State Farm	$770	$130
Farm Bureau	$835	$142
Travelers	$852	$144
Progressive	$924	$155
Allstate	$1064	$179
Nationwide	$1112	$189

Car Insurance Price Trends in Red Bank, South Carolina

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

The average cost of full coverage in the Red Bank rose by $172 in December compared to $170 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 Red Bank rose to $57 in December, compared to $54 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 Red Bank?

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

What is the cheapest car insurance in Red Bank?

The cheapest car insurance in Red Bank is $57 per month for full coverage.

How much is car insurance in Red Bank for teenagers?

Car insurance for teenagers costs $212 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 Red Bank?

The average cost of car insurance is $756 for a six-month policy. It will cost around $126 per month to insure your car in Red Bank.

Is car insurance expensive in Red Bank?

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

What is the best car insurance in Red Bank, SC?

The best car insurance company in Red Bank SC is American National P&C, offering $336 for a six-month policy.