Cheapest Car Insurance Quotes in Smoaks

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Smoaks Car Insurance

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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 Smoaks

The car insurance rate in Smoaks is $862 for a six-month policy, which is $106 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Smoaks 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 Smoaks

$862

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Smoaks

1st place: American National P&C

At $386 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 $502 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 $555 for six months, making it the third cheapest auto insurance company in Smoaks.

Smoaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Smoaks, SC is American National P&C, offering policies at just $386 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $502.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1198 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Smoaks drivers find the best deals.

Cheap Car Insurance Companies in Smoaks, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$386	$66
South Carolina Farm Bureau	$502	$83
American National	$555	$93
Auto-Owners Insurance Co	$576	$96
American Family	$873	$148
Farm Bureau	$880	$147
Encompass	$901	$153
Auto-Owners	$975	$164
USAA	$975	$164
Travelers	$1009	$170
Progressive	$1023	$172
Nationwide	$1070	$178
Allstate	$1145	$193
State Farm	$1198	$202

Key Takeaways

Way's key takeaways about car insurance in Smoaks

The auto insurance costs in Smoaks fall around $386 for six months.
The cheapest auto insurance company in Smoaks is American National.
Teen drivers pay the highest rate in Smoaks at $31 per month.

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Cheapest Minimum Liability Car Insurance in Smoaks

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 Smoaks are given below.

American National provides the cheapest minimum car insurance coverage in Smoaks. Their Average 6 Month Premium is $170. State Farm is the most expensive at $542 for the same period.

Cheapest Liability Coverage in Smoaks, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$170	$28
American National P&C	$210	$35
Encompass	$251	$42
USAA	$251	$42
South Carolina Farm Bureau	$271	$46
Auto-Owners Insurance Co	$304	$51
American Family	$373	$64
Progressive	$386	$65
Auto-Owners	$413	$70
Farm Bureau	$420	$70
Travelers	$461	$78
Allstate	$474	$80
Nationwide	$514	$88
State Farm	$542	$91

Cheapest Full Coverage Car Insurance in Smoaks

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 Smoaks is American National P&C at $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Smoaks, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$386	$66
South Carolina Farm Bureau	$502	$83
American National	$555	$93
Auto-Owners Insurance Co	$576	$96
American Family	$873	$148
Farm Bureau	$880	$147
Encompass	$901	$153
Auto-Owners	$975	$164
USAA	$975	$164
Travelers	$1009	$170
Progressive	$1023	$172
Nationwide	$1070	$178
Allstate	$1145	$193
State Farm	$1198	$202

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Average Car Insurance in Smoaks 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 Smoaks, SC increasing?

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

Car Insurance Premiums by Age in Smoaks

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 Smoaks,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 Smoaks at $41 per month. At $182 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	$244	$41
South Carolina Farm Bureau	$352	$60
Auto-Owners Insurance Co	$386	$64
American Family	$420	$72
Travelers	$1517	$255
Farm Bureau	$1626	$276
Allstate	$2004	$337
USAA	$2011	$339
Auto-Owners	$2641	$445
Progressive	$2851	$480
State Farm	$2973	$500
Nationwide	$3881	$660
American National	$182	$31

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 Smoaks, South Carolina Farm Bureau is the cheapest car insurance provider. At $508 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 Smoaks is State Farm, offering rates of around $4226 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$508	$84
American National P&C	$711	$121
American Family	$813	$136
Auto-Owners Insurance Co	$853	$145
USAA	$1090	$181
Progressive	$1273	$214
Travelers	$1300	$219
Allstate	$1463	$246
Farm Bureau	$1585	$264
Nationwide	$1632	$277
Auto-Owners	$2519	$420
State Farm	$4226	$718

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Car Insurance Rates with An Accident in Smoaks

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

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

The cheapest car insurance companies after an at-fault accident in Smoaks include American National and American National P&C, offering $217 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $2086.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$217	$36
American National P&C	$278	$47
Encompass	$311	$52
South Carolina Farm Bureau	$345	$59
American Family	$386	$64
Auto-Owners Insurance Co	$440	$75
Farm Bureau	$975	$164
Travelers	$988	$166
USAA	$1023	$172
Auto-Owners	$1097	$185
Progressive	$1354	$228
State Farm	$1585	$267
Nationwide	$2066	$344
Allstate	$2086	$351

Smoaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Smoaks SC. For example, the car insurance in Smoaks after a DUI increases to $792 for a six month policy. While the rate increases by $345 for a six-month policy in the case of a speeding ticket.

Smoaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1368	$228
One Med/PIP claim	$1368	$233
Not-at-fault accident	$1442	$241
Two Med/PIP claims	$1456	$247
One comp claim	$1463	$244
Two comp claims	$1510	$257
Failure to wear a seat belt	$1564	$261
Child safety restraint	$1598	$271
Driving without lights	$1598	$267
Failure to show documents	$1612	$274
Failure to yield	$1659	$277
Failure to stop at a red light	$1666	$283
Driving too slowly	$1713	$285
Speeding 6 - 10 MPH over limit	$1713	$292
Speeding in school zone	$1713	$285
At-fault accident - less than $1000	$1720	$293
In 65 MPH zone	$1720	$286
Driving with expired registration	$1727	$294
Following too closely	$1727	$287
Illegal turn	$1727	$294
Speeding 11 - 15 MPH over limit	$1727	$287
Wrong way/wrong lane	$1727	$294
Cell phone violation	$1734	$288
Texting while driving	$1734	$295
Improper passing	$1741	$290
Operating a vehicle without permission	$1741	$296
Speeding 16 - 20 MPH over limit	$1741	$290
Speeding 21 - 25 MPH over limit	$1741	$296
Passing school bus	$1767	$294
Open container	$1781	$303
At-fault accident - $1000-$2000	$1964	$327
At-fault accident - greater than $2000	$1964	$334
Refusal to submit to a chemical test	$2133	$356
DUI	$2160	$367
Reckless driving	$2214	$369
Driving with a suspended license	$2221	$377
Racing	$2228	$372
Leaving scene of an accident/hit and run	$2303	$391

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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 Smoaks 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 Smoaks.

The cheapest car insurance premiums in Smoaks are offered by American National P&C at $311 for a six-month policy. However, it can be as expensive as $264 with companies like American National.

Smoaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$311	$52
American Family	$325	$55
South Carolina Farm Bureau	$332	$56
Auto-Owners Insurance Co	$691	$117
Farm Bureau	$820	$138
Travelers	$982	$165
Progressive	$1023	$172
USAA	$1076	$181
State Farm	$1253	$211
Allstate	$1435	$242
Auto-Owners	$1801	$300
Nationwide	$1971	$335
American National	$264	$44

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 Smoaks are offered by American National P&C at $278. However, it can be as expensive as $1280 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Smoaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$278	$47
South Carolina Farm Bureau	$311	$52
Auto-Owners Insurance Co	$345	$57
American Family	$393	$67
Auto-Owners	$826	$138
USAA	$860	$146
State Farm	$887	$149
Farm Bureau	$961	$163
Travelers	$982	$165
Progressive	$1064	$179
Allstate	$1226	$206
Nationwide	$1280	$218

Car Insurance Price Trends in Smoaks, South Carolina

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

The average cost of full coverage in the Smoaks rose by $198 in December compared to $196 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 Smoaks rose to $66 in December, compared to $63 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 Smoaks?

The car insurance in Smoaks is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Smoaks?

The cheapest car insurance in Smoaks is $66 per month for full coverage.

How much is car insurance in Smoaks for teenagers?

Car insurance for teenagers costs $244 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 Smoaks?

The average cost of car insurance is $756 for a six-month policy. It will cost around $145 per month to insure your car in Smoaks.

Is car insurance expensive in Smoaks?

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

What is the best car insurance in Smoaks, SC?

The best car insurance company in Smoaks SC is American National P&C, offering $386 for a six-month policy.