Cheapest Car Insurance Quotes in Seabrook Island

Finding the cheapest car insurance quotes in Seabrook Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Seabrook Island 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 Seabrook Island

The car insurance rate in Seabrook Island is $824 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $370, making it a popular choice for budget-conscious drivers. Rates in Seabrook 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 Seabrook Island

$824

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Seabrook Island

1st place: American National P&C

At $370 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 $480 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 $531 for six months, making it the third cheapest auto insurance company in Seabrook Island.

Seabrook Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Seabrook Island, SC is American National P&C, offering policies at just $370 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $480.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1146 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Seabrook Island drivers find the best deals.

Cheap Car Insurance Companies in Seabrook Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$370	$63
South Carolina Farm Bureau	$480	$80
American National	$531	$89
Auto-Owners Insurance Co	$550	$92
American Family	$835	$142
Farm Bureau	$841	$141
Encompass	$861	$146
Auto-Owners	$932	$157
USAA	$932	$157
Travelers	$965	$162
Progressive	$978	$165
Nationwide	$1024	$170
Allstate	$1094	$184
State Farm	$1146	$193

Key Takeaways

Way's key takeaways about car insurance in Seabrook Island

The auto insurance costs in Seabrook Island fall around $370 for six months.
The cheapest auto insurance company in Seabrook Island is American National.
Teen drivers pay the highest rate in Seabrook Island at $29 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Seabrook 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 Seabrook Island are given below.

American National provides the cheapest minimum car insurance coverage in Seabrook Island. Their Average 6 Month Premium is $162. State Farm is the most expensive at $518 for the same period.

Cheapest Liability Coverage in Seabrook Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$162	$27
American National P&C	$201	$34
Encompass	$240	$40
USAA	$240	$40
South Carolina Farm Bureau	$259	$44
Auto-Owners Insurance Co	$291	$49
American Family	$356	$61
Progressive	$370	$62
Auto-Owners	$395	$66
Farm Bureau	$401	$66
Travelers	$440	$74
Allstate	$453	$76
Nationwide	$492	$84
State Farm	$518	$87

Cheapest Full Coverage Car Insurance in Seabrook 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 Seabrook Island is American National P&C at $63 per month and $370 for six months.

Cheapest Full Coverage Car Insurance Quotes in Seabrook Island, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$370	$63
South Carolina Farm Bureau	$480	$80
American National	$531	$89
Auto-Owners Insurance Co	$550	$92
American Family	$835	$142
Farm Bureau	$841	$141
Encompass	$861	$146
Auto-Owners	$932	$157
USAA	$932	$157
Travelers	$965	$162
Progressive	$978	$165
Nationwide	$1024	$170
Allstate	$1094	$184
State Farm	$1146	$193

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Seabrook Island Instantly!

Average Car Insurance in Seabrook 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 Seabrook Island, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Seabrook 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, Seabrook 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 Seabrook 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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Seabrook 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 Seabrook Island at $39 per month. At $174 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	$233	$39
South Carolina Farm Bureau	$337	$58
Auto-Owners Insurance Co	$370	$61
American Family	$401	$69
Travelers	$1451	$244
Farm Bureau	$1554	$264
Allstate	$1916	$323
USAA	$1923	$324
Auto-Owners	$2526	$425
Progressive	$2726	$459
State Farm	$2843	$479
Nationwide	$3710	$631
American National	$174	$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 Seabrook Island, South Carolina Farm Bureau is the cheapest car insurance provider. At $486 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 Seabrook Island is State Farm, offering rates of around $4041 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$486	$81
American National P&C	$680	$116
American Family	$777	$130
Auto-Owners Insurance Co	$815	$138
USAA	$1042	$173
Progressive	$1218	$205
Travelers	$1243	$209
Allstate	$1398	$235
Farm Bureau	$1515	$253
Nationwide	$1561	$265
Auto-Owners	$2409	$401
State Farm	$4041	$687

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Seabrook Island.

Car Insurance Rates with An Accident in Seabrook 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 Seabrook Island, SC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Seabrook Island include American National and American National P&C, offering $207 and $266, respectively. Allstate is an expensive provider with an average six-month premium of $1995.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$207	$35
American National P&C	$266	$45
Encompass	$298	$50
South Carolina Farm Bureau	$330	$57
American Family	$370	$61
Auto-Owners Insurance Co	$421	$72
Farm Bureau	$932	$157
Travelers	$945	$159
USAA	$978	$165
Auto-Owners	$1049	$177
Progressive	$1295	$218
State Farm	$1515	$255
Nationwide	$1975	$329
Allstate	$1995	$336

Seabrook Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Seabrook Island SC. For example, the car insurance in Seabrook Island after a DUI increases to $758 for a six month policy. While the rate increases by $330 for a six-month policy in the case of a speeding ticket.

Seabrook Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1308	$218
One Med/PIP claim	$1308	$222
Not-at-fault accident	$1379	$230
Two Med/PIP claims	$1392	$237
One comp claim	$1398	$233
Two comp claims	$1444	$245
Failure to wear a seat belt	$1495	$250
Child safety restraint	$1528	$259
Driving without lights	$1528	$255
Failure to show documents	$1541	$262
Failure to yield	$1586	$265
Failure to stop at a red light	$1592	$270
Driving too slowly	$1638	$273
Speeding 6 - 10 MPH over limit	$1638	$279
Speeding in school zone	$1638	$273
At-fault accident - less than $1000	$1645	$280
In 65 MPH zone	$1645	$274
Driving with expired registration	$1651	$281
Following too closely	$1651	$275
Illegal turn	$1651	$281
Speeding 11 - 15 MPH over limit	$1651	$275
Wrong way/wrong lane	$1651	$281
Cell phone violation	$1658	$276
Texting while driving	$1658	$282
Improper passing	$1664	$277
Operating a vehicle without permission	$1664	$283
Speeding 16 - 20 MPH over limit	$1664	$277
Speeding 21 - 25 MPH over limit	$1664	$283
Passing school bus	$1690	$281
Open container	$1703	$290
At-fault accident - $1000-$2000	$1878	$313
At-fault accident - greater than $2000	$1878	$319
Refusal to submit to a chemical test	$2039	$340
DUI	$2066	$351
Reckless driving	$2117	$353
Driving with a suspended license	$2123	$361
Racing	$2130	$355
Leaving scene of an accident/hit and run	$2202	$374

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Seabrook 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 Seabrook Island.

The cheapest car insurance premiums in Seabrook Island are offered by American National P&C at $298 for a six-month policy. However, it can be as expensive as $253 with companies like American National.

Seabrook Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$298	$50
American Family	$311	$52
South Carolina Farm Bureau	$317	$53
Auto-Owners Insurance Co	$661	$112
Farm Bureau	$784	$132
Travelers	$938	$158
Progressive	$978	$165
USAA	$1029	$173
State Farm	$1198	$202
Allstate	$1372	$231
Auto-Owners	$1722	$287
Nationwide	$1885	$320
American National	$253	$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 Seabrook Island are offered by American National P&C at $266. However, it can be as expensive as $1224 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Seabrook Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$266	$45
South Carolina Farm Bureau	$298	$50
Auto-Owners Insurance Co	$330	$55
American Family	$376	$64
Auto-Owners	$790	$132
USAA	$822	$140
State Farm	$848	$143
Farm Bureau	$919	$156
Travelers	$938	$158
Progressive	$1017	$171
Allstate	$1172	$197
Nationwide	$1224	$208

Car Insurance Price Trends in Seabrook Island, South Carolina

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

The average cost of full coverage in the Seabrook Island rose by $190 in December compared to $187 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Seabrook Island rose to $63 in December, compared to $60 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Seabrook Island?

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

What is the cheapest car insurance in Seabrook Island?

The cheapest car insurance in Seabrook Island is $63 per month for full coverage.

How much is car insurance in Seabrook Island for teenagers?

Car insurance for teenagers costs $233 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 Seabrook Island?

The average cost of car insurance is $756 for a six-month policy. It will cost around $138 per month to insure your car in Seabrook Island.

Is car insurance expensive in Seabrook Island?

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

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

The best car insurance company in Seabrook Island SC is American National P&C, offering $370 for a six-month policy.