Cheapest Car Insurance Quotes in West Union

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West Union 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 West Union

The car insurance rate in West Union is $635 for a six-month policy, which is $121 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $285, making it a popular choice for budget-conscious drivers. Rates in West Union 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 West Union

$635

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in West Union

1st place: American National P&C

At $285 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 $370 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 $409 for six months, making it the third cheapest auto insurance company in West Union.

West Union Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Union, SC is American National P&C, offering policies at just $285 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $370.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $883 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Union drivers find the best deals.

Cheap Car Insurance Companies in West Union, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$285	$49
South Carolina Farm Bureau	$370	$61
American National	$409	$69
Auto-Owners Insurance Co	$424	$71
American Family	$643	$109
Farm Bureau	$648	$108
Encompass	$664	$113
Auto-Owners	$718	$121
USAA	$718	$121
Travelers	$743	$125
Progressive	$753	$127
Nationwide	$789	$131
Allstate	$843	$142
State Farm	$883	$149

Key Takeaways

Way's key takeaways about car insurance in West Union

The auto insurance costs in West Union fall around $285 for six months.
The cheapest auto insurance company in West Union is American National.
Teen drivers pay the highest rate in West Union at $23 per month.

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Cheapest Minimum Liability Car Insurance in West Union

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 West Union are given below.

American National provides the cheapest minimum car insurance coverage in West Union. Their Average 6 Month Premium is $125. State Farm is the most expensive at $399 for the same period.

Cheapest Liability Coverage in West Union, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$125	$21
American National P&C	$155	$26
Encompass	$185	$31
USAA	$185	$31
South Carolina Farm Bureau	$200	$34
Auto-Owners Insurance Co	$224	$38
American Family	$275	$47
Progressive	$285	$48
Auto-Owners	$304	$51
Farm Bureau	$309	$51
Travelers	$339	$57
Allstate	$349	$59
Nationwide	$379	$65
State Farm	$399	$67

Cheapest Full Coverage Car Insurance in West Union

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 West Union is American National P&C at $49 per month and $285 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Union, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$285	$49
South Carolina Farm Bureau	$370	$61
American National	$409	$69
Auto-Owners Insurance Co	$424	$71
American Family	$643	$109
Farm Bureau	$648	$108
Encompass	$664	$113
Auto-Owners	$718	$121
USAA	$718	$121
Travelers	$743	$125
Progressive	$753	$127
Nationwide	$789	$131
Allstate	$843	$142
State Farm	$883	$149

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Average Car Insurance in West Union 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 West Union, SC increasing?

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

Car Insurance Premiums by Age in West Union

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 West Union,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 West Union at $30 per month. At $134 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	$180	$30
South Carolina Farm Bureau	$260	$45
Auto-Owners Insurance Co	$285	$47
American Family	$309	$53
Travelers	$1118	$188
Farm Bureau	$1198	$203
Allstate	$1477	$249
USAA	$1482	$249
Auto-Owners	$1946	$328
Progressive	$2101	$354
State Farm	$2191	$369
Nationwide	$2859	$486
American National	$134	$23

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 West Union, South Carolina Farm Bureau is the cheapest car insurance provider. At $375 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 West Union is State Farm, offering rates of around $3114 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$375	$62
American National P&C	$524	$89
American Family	$599	$100
Auto-Owners Insurance Co	$628	$107
USAA	$803	$134
Progressive	$938	$158
Travelers	$958	$161
Allstate	$1078	$181
Farm Bureau	$1168	$195
Nationwide	$1203	$204
Auto-Owners	$1856	$309
State Farm	$3114	$529

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Car Insurance Rates with An Accident in West Union

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Union

The cheapest car insurance companies after an at-fault accident in West Union include American National and American National P&C, offering $160 and $205, respectively. Allstate is an expensive provider with an average six-month premium of $1537.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$160	$27
American National P&C	$205	$34
Encompass	$229	$39
South Carolina Farm Bureau	$255	$44
American Family	$285	$47
Auto-Owners Insurance Co	$324	$55
Farm Bureau	$718	$121
Travelers	$728	$123
USAA	$753	$127
Auto-Owners	$808	$136
Progressive	$998	$168
State Farm	$1168	$197
Nationwide	$1522	$254
Allstate	$1537	$259

West Union Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Union SC. For example, the car insurance in West Union after a DUI increases to $584 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

West Union auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1008	$168
One Med/PIP claim	$1008	$171
Not-at-fault accident	$1063	$177
Two Med/PIP claims	$1073	$182
One comp claim	$1078	$180
Two comp claims	$1113	$189
Failure to wear a seat belt	$1152	$192
Child safety restraint	$1178	$200
Driving without lights	$1178	$197
Failure to show documents	$1188	$202
Failure to yield	$1222	$204
Failure to stop at a red light	$1227	$208
Driving too slowly	$1263	$210
Speeding 6 - 10 MPH over limit	$1263	$215
Speeding in school zone	$1263	$210
At-fault accident - less than $1000	$1268	$216
In 65 MPH zone	$1268	$211
Driving with expired registration	$1273	$217
Following too closely	$1273	$212
Illegal turn	$1273	$217
Speeding 11 - 15 MPH over limit	$1273	$212
Wrong way/wrong lane	$1273	$217
Cell phone violation	$1278	$213
Texting while driving	$1278	$218
Improper passing	$1283	$213
Operating a vehicle without permission	$1283	$218
Speeding 16 - 20 MPH over limit	$1283	$213
Speeding 21 - 25 MPH over limit	$1283	$218
Passing school bus	$1302	$217
Open container	$1312	$223
At-fault accident - $1000-$2000	$1447	$241
At-fault accident - greater than $2000	$1447	$246
Refusal to submit to a chemical test	$1572	$262
DUI	$1592	$270
Reckless driving	$1631	$272
Driving with a suspended license	$1636	$278
Racing	$1641	$274
Leaving scene of an accident/hit and run	$1697	$288

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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 West Union 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 West Union.

The cheapest car insurance premiums in West Union are offered by American National P&C at $229 for a six-month policy. However, it can be as expensive as $195 with companies like American National.

West Union car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$229	$39
American Family	$239	$40
South Carolina Farm Bureau	$244	$41
Auto-Owners Insurance Co	$509	$87
Farm Bureau	$604	$102
Travelers	$723	$122
Progressive	$753	$127
USAA	$793	$134
State Farm	$923	$155
Allstate	$1058	$178
Auto-Owners	$1327	$221
Nationwide	$1452	$247
American National	$195	$33

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 West Union are offered by American National P&C at $205. However, it can be as expensive as $943 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in West Union after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$205	$34
South Carolina Farm Bureau	$229	$39
Auto-Owners Insurance Co	$255	$42
American Family	$290	$50
Auto-Owners	$609	$102
USAA	$633	$108
State Farm	$654	$110
Farm Bureau	$708	$120
Travelers	$723	$122
Progressive	$784	$132
Allstate	$903	$152
Nationwide	$943	$160

Car Insurance Price Trends in West Union, South Carolina

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

The average cost of full coverage in the West Union rose by $146 in December compared to $144 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 West Union rose to $49 in December, compared to $46 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 West Union?

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

What is the cheapest car insurance in West Union?

The cheapest car insurance in West Union is $49 per month for full coverage.

How much is car insurance in West Union for teenagers?

Car insurance for teenagers costs $180 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 West Union?

The average cost of car insurance is $756 for a six-month policy. It will cost around $107 per month to insure your car in West Union.

Is car insurance expensive in West Union?

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

What is the best car insurance in West Union, SC?

The best car insurance company in West Union SC is American National P&C, offering $285 for a six-month policy.