Cheapest Car Insurance Quotes in Yemassee

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Yemassee Car Insurance

^$ 30

/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 Yemassee

The car insurance rate in Yemassee is $978 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $400, making it a popular choice for budget-conscious drivers. Rates in Yemassee 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 Yemassee

$978

Avg. Car Insurance in South Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Yemassee

1st place: American National P&C

At $400 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 $519 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 $575 for six months, making it the third cheapest auto insurance company in Yemassee.

Yemassee Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Yemassee, SC is American National P&C, offering policies at just $400 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $519.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1591 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Yemassee drivers find the best deals.

Cheap Car Insurance Companies in Yemassee, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$400	$68
South Carolina Farm Bureau	$519	$86
American National	$575	$97
Auto-Owners Insurance Co	$596	$99
American Family	$904	$153
Encompass	$932	$156
USAA	$1030	$173
Auto-Owners	$1051	$177
Travelers	$1087	$183
Progressive	$1142	$192
Farm Bureau	$1163	$198
Allstate	$1352	$228
State Farm	$1366	$230
Nationwide	$1591	$266

Key Takeaways

Way's key takeaways about car insurance in Yemassee

The auto insurance costs in Yemassee fall around $400 for six months.
The cheapest auto insurance company in Yemassee is American National.
Teen drivers pay the highest rate in Yemassee at $32 per month.

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Cheapest Minimum Liability Car Insurance in Yemassee

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 Yemassee are given below.

American National provides the cheapest minimum car insurance coverage in Yemassee. Their Average 6 Month Premium is $176. Nationwide is the most expensive at $813 for the same period.

Cheapest Liability Coverage in Yemassee, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$176	$30
American National P&C	$217	$37
Encompass	$260	$44
USAA	$267	$45
South Carolina Farm Bureau	$281	$47
Auto-Owners Insurance Co	$315	$53
American Family	$386	$66
Progressive	$407	$68
Auto-Owners	$455	$77
Travelers	$484	$81
Farm Bureau	$491	$84
Allstate	$498	$84
State Farm	$610	$103
Nationwide	$813	$136

Cheapest Full Coverage Car Insurance in Yemassee

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 Yemassee is American National P&C at $68 per month and $400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Yemassee, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$400	$68
South Carolina Farm Bureau	$519	$86
American National	$575	$97
Auto-Owners Insurance Co	$596	$99
American Family	$904	$153
Encompass	$932	$156
USAA	$1030	$173
Auto-Owners	$1051	$177
Travelers	$1087	$183
Progressive	$1142	$192
Farm Bureau	$1163	$198
Allstate	$1352	$228
State Farm	$1366	$230
Nationwide	$1591	$266

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Average Car Insurance in Yemassee 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 Yemassee, SC increasing?

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

Car Insurance Premiums by Age in Yemassee

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 Yemassee,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 Yemassee at $42 per month. At $189 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	$253	$42
South Carolina Farm Bureau	$365	$63
Auto-Owners Insurance Co	$400	$66
American Family	$434	$74
Travelers	$1774	$299
Farm Bureau	$2096	$356
USAA	$2179	$367
Allstate	$2411	$406
Auto-Owners	$2615	$440
Progressive	$3280	$552
State Farm	$3469	$584
Nationwide	$4108	$699
American National	$189	$32

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 Yemassee, South Carolina Farm Bureau is the cheapest car insurance provider. At $526 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 Yemassee is State Farm, offering rates of around $5908 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$526	$87
American National P&C	$736	$125
American Family	$841	$140
Auto-Owners Insurance Co	$883	$150
USAA	$1227	$204
Travelers	$1521	$256
Progressive	$1578	$266
Allstate	$1928	$325
Farm Bureau	$2089	$348
Nationwide	$2404	$408
Auto-Owners	$2944	$491
State Farm	$5908	$1004

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Car Insurance Rates with An Accident in Yemassee

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

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

The cheapest car insurance companies after an at-fault accident in Yemassee include American National and American National P&C, offering $224 and $288, respectively. Nationwide is an expensive provider with an average six-month premium of $2292.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$224	$38
American National P&C	$288	$48
Encompass	$322	$54
South Carolina Farm Bureau	$358	$61
American Family	$400	$66
Auto-Owners Insurance Co	$455	$78
Auto-Owners	$946	$159
USAA	$953	$160
Travelers	$968	$163
Farm Bureau	$1073	$181
Progressive	$1388	$234
State Farm	$1514	$255
Allstate	$2165	$365
Nationwide	$2292	$389

Yemassee Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Yemassee SC. For example, the car insurance in Yemassee after a DUI increases to $820 for a six month policy. While the rate increases by $358 for a six-month policy in the case of a speeding ticket.

Yemassee auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1416	$236
One Med/PIP claim	$1416	$241
Not-at-fault accident	$1493	$249
Two Med/PIP claims	$1507	$256
One comp claim	$1514	$253
Two comp claims	$1564	$266
Failure to wear a seat belt	$1619	$270
Child safety restraint	$1654	$281
Driving without lights	$1654	$276
Failure to show documents	$1669	$283
Failure to yield	$1717	$287
Failure to stop at a red light	$1724	$293
Driving too slowly	$1774	$295
Speeding 6 - 10 MPH over limit	$1774	$302
Speeding in school zone	$1774	$295
At-fault accident - less than $1000	$1781	$303
In 65 MPH zone	$1781	$296
Driving with expired registration	$1788	$304
Following too closely	$1788	$297
Illegal turn	$1788	$304
Speeding 11 - 15 MPH over limit	$1788	$297
Wrong way/wrong lane	$1788	$304
Cell phone violation	$1795	$299
Texting while driving	$1795	$306
Improper passing	$1802	$300
Operating a vehicle without permission	$1802	$307
Speeding 16 - 20 MPH over limit	$1802	$300
Speeding 21 - 25 MPH over limit	$1802	$307
Passing school bus	$1829	$304
Open container	$1843	$314
At-fault accident - $1000-$2000	$2033	$339
At-fault accident - greater than $2000	$2033	$346
Refusal to submit to a chemical test	$2208	$368
DUI	$2236	$380
Reckless driving	$2292	$382
Driving with a suspended license	$2299	$391
Racing	$2306	$385
Leaving scene of an accident/hit and run	$2384	$405

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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 Yemassee 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 Yemassee.

The cheapest car insurance premiums in Yemassee are offered by American National P&C at $322 for a six-month policy. However, it can be as expensive as $274 with companies like American National.

Yemassee car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$322	$54
American Family	$336	$57
South Carolina Farm Bureau	$343	$58
Auto-Owners Insurance Co	$715	$122
Farm Bureau	$995	$168
Travelers	$1094	$184
USAA	$1156	$195
Progressive	$1163	$196
State Farm	$1535	$258
Allstate	$1710	$288
Auto-Owners	$2229	$372
Nationwide	$3042	$517
American National	$274	$46

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 Yemassee are offered by American National P&C at $288. However, it can be as expensive as $1934 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Yemassee after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$288	$48
South Carolina Farm Bureau	$322	$54
Auto-Owners Insurance Co	$358	$59
American Family	$407	$70
USAA	$968	$162
Auto-Owners	$1016	$172
State Farm	$1114	$188
Travelers	$1128	$190
Farm Bureau	$1261	$210
Progressive	$1318	$222
Allstate	$1591	$268
Nationwide	$1934	$329

Car Insurance Price Trends in Yemassee, South Carolina

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

The average cost of full coverage in the Yemassee rose by $230 in January compared to $205 of December. In other words, there has been an increase by $25 when you compare January and December.

The average cost of liability insurance in the Yemassee rose to $71 in January, compared to $68 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Yemassee?

The car insurance in Yemassee is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Yemassee?

The cheapest car insurance in Yemassee is $68 per month for full coverage.

How much is car insurance in Yemassee for teenagers?

Car insurance for teenagers costs $253 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 Yemassee?

The average cost of car insurance is $829 for a six-month policy. It will cost around $164 per month to insure your car in Yemassee.

Is car insurance expensive in Yemassee?

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

What is the best car insurance in Yemassee, SC?

The best car insurance company in Yemassee SC is American National P&C, offering $400 for a six-month policy.