Cheapest Car Insurance Quotes in Walhalla

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Walhalla Car Insurance

^$ 21

/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 Walhalla

The car insurance rate in Walhalla is $688 for a six-month policy, which is $141 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $281, making it a popular choice for budget-conscious drivers. Rates in Walhalla 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 Walhalla

$688

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Walhalla

1st place: American National P&C

At $281 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 $365 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 $404 for six months, making it the third cheapest auto insurance company in Walhalla.

Walhalla Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Walhalla, SC is American National P&C, offering policies at just $281 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $365.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1119 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Walhalla drivers find the best deals.

Cheap Car Insurance Companies in Walhalla, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$281	$48
South Carolina Farm Bureau	$365	$61
American National	$404	$68
Auto-Owners Insurance Co	$419	$70
American Family	$636	$108
Encompass	$656	$110
USAA	$725	$122
Auto-Owners	$740	$125
Travelers	$764	$129
Progressive	$803	$135
Farm Bureau	$818	$139
Allstate	$951	$160
State Farm	$961	$162
Nationwide	$1119	$187

Key Takeaways

Way's key takeaways about car insurance in Walhalla

The auto insurance costs in Walhalla fall around $281 for six months.
The cheapest auto insurance company in Walhalla is American National.
Teen drivers pay the highest rate in Walhalla at $22 per month.

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Cheapest Minimum Liability Car Insurance in Walhalla

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 Walhalla are given below.

American National provides the cheapest minimum car insurance coverage in Walhalla. Their Average 6 Month Premium is $124. Nationwide is the most expensive at $572 for the same period.

Cheapest Liability Coverage in Walhalla, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$124	$21
American National P&C	$153	$26
Encompass	$183	$31
USAA	$188	$32
South Carolina Farm Bureau	$198	$33
Auto-Owners Insurance Co	$222	$37
American Family	$271	$46
Progressive	$286	$48
Auto-Owners	$320	$54
Travelers	$340	$57
Farm Bureau	$345	$59
Allstate	$350	$59
State Farm	$429	$72
Nationwide	$572	$95

Cheapest Full Coverage Car Insurance in Walhalla

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 Walhalla is American National P&C at $48 per month and $281 for six months.

Cheapest Full Coverage Car Insurance Quotes in Walhalla, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$281	$48
South Carolina Farm Bureau	$365	$61
American National	$404	$68
Auto-Owners Insurance Co	$419	$70
American Family	$636	$108
Encompass	$656	$110
USAA	$725	$122
Auto-Owners	$740	$125
Travelers	$764	$129
Progressive	$803	$135
Farm Bureau	$818	$139
Allstate	$951	$160
State Farm	$961	$162
Nationwide	$1119	$187

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Average Car Insurance in Walhalla 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 Walhalla, SC increasing?

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

Car Insurance Premiums by Age in Walhalla

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 Walhalla,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 Walhalla at $30 per month. At $133 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	$178	$30
South Carolina Farm Bureau	$256	$44
Auto-Owners Insurance Co	$281	$46
American Family	$305	$52
Travelers	$1247	$210
Farm Bureau	$1474	$251
USAA	$1533	$258
Allstate	$1696	$286
Auto-Owners	$1839	$310
Progressive	$2307	$388
State Farm	$2440	$411
Nationwide	$2889	$491
American National	$133	$22

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 Walhalla, South Carolina Farm Bureau is the cheapest car insurance provider. At $370 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 Walhalla is State Farm, offering rates of around $4156 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$370	$61
American National P&C	$518	$88
American Family	$592	$99
Auto-Owners Insurance Co	$621	$105
USAA	$863	$144
Travelers	$1070	$180
Progressive	$1110	$187
Allstate	$1356	$228
Farm Bureau	$1469	$245
Nationwide	$1691	$287
Auto-Owners	$2071	$345
State Farm	$4156	$706

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Car Insurance Rates with An Accident in Walhalla

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

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

The cheapest car insurance companies after an at-fault accident in Walhalla include American National and American National P&C, offering $158 and $203, respectively. Nationwide is an expensive provider with an average six-month premium of $1612.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$158	$27
American National P&C	$203	$34
Encompass	$227	$38
South Carolina Farm Bureau	$251	$43
American Family	$281	$46
Auto-Owners Insurance Co	$320	$55
Auto-Owners	$666	$112
USAA	$671	$113
Travelers	$681	$115
Farm Bureau	$754	$127
Progressive	$976	$164
State Farm	$1065	$179
Allstate	$1523	$256
Nationwide	$1612	$274

Walhalla Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Walhalla SC. For example, the car insurance in Walhalla after a DUI increases to $577 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Walhalla auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$996	$166
One Med/PIP claim	$996	$169
Not-at-fault accident	$1050	$175
Two Med/PIP claims	$1060	$180
One comp claim	$1065	$178
Two comp claims	$1100	$187
Failure to wear a seat belt	$1139	$190
Child safety restraint	$1164	$198
Driving without lights	$1164	$194
Failure to show documents	$1174	$199
Failure to yield	$1208	$202
Failure to stop at a red light	$1213	$206
Driving too slowly	$1247	$208
Speeding 6 - 10 MPH over limit	$1247	$212
Speeding in school zone	$1247	$208
At-fault accident - less than $1000	$1252	$213
In 65 MPH zone	$1252	$208
Driving with expired registration	$1257	$214
Following too closely	$1257	$209
Illegal turn	$1257	$214
Speeding 11 - 15 MPH over limit	$1257	$209
Wrong way/wrong lane	$1257	$214
Cell phone violation	$1262	$210
Texting while driving	$1262	$215
Improper passing	$1267	$211
Operating a vehicle without permission	$1267	$216
Speeding 16 - 20 MPH over limit	$1267	$211
Speeding 21 - 25 MPH over limit	$1267	$216
Passing school bus	$1287	$214
Open container	$1296	$221
At-fault accident - $1000-$2000	$1430	$238
At-fault accident - greater than $2000	$1430	$243
Refusal to submit to a chemical test	$1553	$259
DUI	$1573	$267
Reckless driving	$1612	$269
Driving with a suspended license	$1617	$275
Racing	$1622	$271
Leaving scene of an accident/hit and run	$1677	$285

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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 Walhalla 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 Walhalla.

The cheapest car insurance premiums in Walhalla are offered by American National P&C at $227 for a six-month policy. However, it can be as expensive as $193 with companies like American National.

Walhalla car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$227	$38
American Family	$237	$40
South Carolina Farm Bureau	$242	$41
Auto-Owners Insurance Co	$503	$85
Farm Bureau	$700	$118
Travelers	$769	$129
USAA	$813	$137
Progressive	$818	$138
State Farm	$1080	$182
Allstate	$1203	$203
Auto-Owners	$1568	$261
Nationwide	$2140	$364
American National	$193	$32

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 Walhalla are offered by American National P&C at $203. However, it can be as expensive as $1360 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Walhalla after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$203	$34
South Carolina Farm Bureau	$227	$38
Auto-Owners Insurance Co	$251	$42
American Family	$286	$49
USAA	$681	$114
Auto-Owners	$715	$121
State Farm	$784	$132
Travelers	$793	$134
Farm Bureau	$887	$148
Progressive	$927	$156
Allstate	$1119	$188
Nationwide	$1360	$232

Car Insurance Price Trends in Walhalla, South Carolina

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

The average cost of full coverage in the Walhalla rose by $162 in January compared to $144 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Walhalla rose to $50 in January, compared to $48 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Walhalla?

The car insurance in Walhalla is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Walhalla?

The cheapest car insurance in Walhalla is $48 per month for full coverage.

How much is car insurance in Walhalla for teenagers?

Car insurance for teenagers costs $178 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 Walhalla?

The average cost of car insurance is $829 for a six-month policy. It will cost around $115 per month to insure your car in Walhalla.

Is car insurance expensive in Walhalla?

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

What is the best car insurance in Walhalla, SC?

The best car insurance company in Walhalla SC is American National P&C, offering $281 for a six-month policy.