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Finding the cheapest car insurance quotes in Shaw AFB 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.
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 Shaw AFB
The car insurance rate in Shaw AFB is $895 for a six-month policy, which is $66 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $366, making it a popular choice for budget-conscious drivers. Rates in Shaw AFB 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.
At $366 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 $475 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 $526
for six months, making it
the third cheapest auto insurance company in Shaw AFB.
Shaw AFB Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Shaw AFB, SC is American National P&C, offering policies at just $366 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $475.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1456 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shaw AFB drivers find the best deals.
Way's key takeaways about car insurance in Shaw AFB
The auto insurance costs in Shaw AFB fall around $366 for six
months.
The cheapest auto insurance company in Shaw AFB is American National.
Teen drivers pay the highest rate in Shaw AFB 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 Shaw AFB
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 Shaw AFB are given below.
American National provides
the cheapest minimum car insurance
coverage in Shaw AFB. Their Average 6 Month Premium is $161.
Nationwide is the most
expensive at $744 for the same
period.
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 Shaw AFB is American National P&C
at $63 per month and $366
for six months.
Cheapest Full Coverage Car Insurance Quotes in Shaw AFB,
SC
Get Your Car Insurance Quote in Shaw AFB
Instantly!
Average Car Insurance in Shaw AFB 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 Shaw AFB, SC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Shaw AFB, 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, Shaw AFB's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Shaw AFB
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Shaw AFB,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 Shaw AFB at $39
per
month. At $173 for a six-month premium,
American National offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Shaw AFB.
As young drivers face the highest rates in Shaw AFB, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Shaw AFB,
South Carolina Farm Bureau is
the cheapest car insurance provider. At $482 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
Shaw AFB is State Farm, offering
rates of around $5408 for six
months.
Save up to $971/yr on car insurance rates in Shaw AFB.
Car Insurance Rates with An Accident in Shaw AFB
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 Shaw AFB, SC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Shaw AFB
The cheapest car insurance companies after an at-fault accident in
Shaw AFB include American National
and American National P&C, offering $205
and $264,
respectively. Nationwide is an expensive provider
with an average six-month premium of
$2097.
Here is a list of driving violations that can increase your car
insurance rates in Shaw AFB SC. For example, the car
insurance in Shaw AFB
after a DUI increases to $751 for a six
month policy. While the rate increases by $327 for a six-month policy in the case of
a speeding ticket.
Shaw AFB auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1296
$216
One Med/PIP claim
$1296
$220
Not-at-fault accident
$1366
$228
Two Med/PIP claims
$1379
$234
One comp claim
$1386
$231
Two comp claims
$1431
$243
Failure to wear a seat belt
$1482
$247
Child safety restraint
$1514
$257
Driving without lights
$1514
$253
Failure to show documents
$1527
$259
Failure to yield
$1571
$262
Failure to stop at a red light
$1578
$268
Driving too slowly
$1623
$270
Speeding 6 - 10 MPH over limit
$1623
$276
Speeding in school zone
$1623
$270
At-fault accident - less than $1000
$1630
$278
In 65 MPH zone
$1630
$271
Driving with expired registration
$1636
$279
Following too closely
$1636
$272
Illegal turn
$1636
$279
Speeding 11 - 15 MPH over limit
$1636
$272
Wrong way/wrong lane
$1636
$279
Cell phone violation
$1643
$273
Texting while driving
$1643
$280
Improper passing
$1649
$274
Operating a vehicle without permission
$1649
$281
Speeding 16 - 20 MPH over limit
$1649
$274
Speeding 21 - 25 MPH over limit
$1649
$281
Passing school bus
$1674
$279
Open container
$1687
$287
At-fault accident - $1000-$2000
$1861
$310
At-fault accident - greater than $2000
$1861
$316
Refusal to submit to a chemical test
$2021
$337
DUI
$2047
$348
Reckless driving
$2097
$350
Driving with a suspended license
$2104
$357
Racing
$2110
$352
Leaving scene of an accident/hit and run
$2182
$370
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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 Shaw AFB 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 Shaw AFB.
The cheapest car insurance premiums in
Shaw AFB are
offered by American National P&C at $295 for a six-month policy.
However, it can be as
expensive as $251 with companies
like American National.
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 Shaw AFB are offered by American National P&C
at $264. However,
it can be as expensive as $1770
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Shaw AFB after Speeding ticket
Car Insurance Price Trends in Shaw AFB,
South Carolina
Car insurance rates in Shaw AFB have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Shaw AFB rose by
$211 in January
compared to $188 of December. In other words, there has been an increase by $23 when you
compare January and December.
The average cost of liability insurance in the Shaw AFB rose to $65 in January,
compared to $63 in December.
This represents an increase of $2
when comparing January and December.
Average Car Insurance Cost in Shaw AFB by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Shaw AFB. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Shaw AFB?
The car insurance in Shaw AFB is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Shaw AFB?
The cheapest car insurance in Shaw AFB
is $63 per month
for full coverage.
How much is car insurance in Shaw AFB for teenagers?
Car insurance for teenagers costs $231 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
Shaw AFB?
The average cost of car insurance is $829 for a six-month
policy. It will cost around $150 per month to insure your
car in Shaw AFB.
Is car insurance expensive in Shaw AFB?
Car insurance can be expensive in Shaw AFB if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Shaw AFB can be
affordable.
What is the best car insurance in Shaw AFB,
SC?
The best car insurance company in Shaw AFB
SC is
American National P&C, offering $366 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Shaw AFB, SC
Car Insurance Rates by State in the USA (2025 Update)
Shaw AFB Car Insurance
