Services
Insurance
Repairs
Advice
About

Cheapest car insurance in Hemingway, South Carolina (Oct 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hemingway, South Carolina.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer
Hemingway Car Insurance: Quick Facts
  • Hemingway drivers pay an average of $235/mo for full coverage.
  • Hemingway drivers pay an average of $122/mo for minimum coverage.
  • Average rates for Hemingway car insurance are higher than the US national average, but lower than the state average for South Carolina.
  • South Carolina state law requires 25/50/25 liability insurance, plus uninsured motorist coverage.
A small inland town just over 80 miles north of Charleston, Hemingway,
South Carolina
offers its approximately 500 residents the benefits of rural living—and rural
car insurance
costs.
But even in rural areas, car insurance rates in South Carolina are still among some of the most expensive in the nation. Most drivers pay over $2,500 annually for full coverage in Hemingway, but for those who know where—and how—to look, finding cheaper coverage is simple.

How to find the cheapest car insurance quotes in Hemingway

In Hemingway, the average
auto insurance
policy costs about $122 per month for minimum coverage liability insurance, and about $235 per month for full coverage insurance. Hemingway drivers pay -- than the
South Carolina
average.  
To find the best
car insurance
rate in Hemingway, South Carolina, the best thing to do is to
shop around
and compare quotes from multiple insurers to find the cheapest rate for the coverage you need.
Jerry
Insurance Agency takes pride in providing thousands of South Carolina drivers with a fast and seamless insurance shopping experience—including cross-company quote comparisons.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$77
Justin, 53
Zip: 29554
Ford Taurus SEL
• State Minimum Liability
Safeco
$238
Travis, 28
Zip: 29554
Ford Focus SE
• State Minimum Liability
• Comp / Collision
Allstate
$203
Roy, 35
Zip: 29554
Toyota Camry L
• State Minimum Liability
• Comp / Collision
Dairyland
$145
Joel, 51
Zip: 29554
Nissan Altima
• State Minimum Liability
Assurance America
$136
Johnny, 45
Zip: 29554
Infiniti G37
• State Minimum Liability
coverageLast Updated Oct 5, 2024

Best car insurance companies in Hemingway

Wouldn’t it be nice if you could window shop for car insurance? Luckily, you can! Because there’s no one-size-fits-all insurer for every driver, shopping around and finding the best insurance company can help you save on insurance. Aside from the cost, you also want an insurer with a good reputation for other factors, such as claims handling and customer service. 
To uncover the truth about insurance shopping in the Palmetto State—and the nation—Jerry administered the largest insurance shopping survey in the United States. 
While State Farm is one of the biggest insurers across the country, policyholders in South Carolina aren’t so impressed. They gave State Farm just 3.2/5 for price and gave an overall rating of 3.6/5. On the other hand, customers rated Auto Owners, State Auto, ROOT, and Travelers highly, giving them high marks for price, customer service, claims process, and overall satisfaction. 
Here’s how Hemingway drivers ranked different insurance providers on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
4.2
4.3
Geico
4
3
4
4.3
State Farm
3.9
3.4
3.2
3.9
USAA
3.8
3.5
N/A
4
Liberty Mutual
3.5
2.7
N/A
3.3
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Hemingway

If you’re planning to drive in Hemingway, South Carolina, you’ll need car insurance that meets the state-mandated limits. Opting for minimum coverage not only helps you comply with the law, but it also offers the cheapest monthly payments. 
Although drivers are only required to carry minimum liability coverage, it’s often insufficient. Purchasing a full coverage policy provides greater financial protection by helping to cover costs associated with an accident, whether at fault or not.

Cheap minimum liability insurance quotes in Hemingway

To legally drive in South Carolina, you must have a car insurance policy that complies with the state’s minimum liability and
uninsured motorist coverage
South Carolina insurance follows a 25/50/25 rule for minimum liability coverage. Drivers in South Carolina must have a minimum of:
Meeting the minimum liability insurance coverage in South Carolina can help keep your monthly payments low—but if you’re at fault in an accident that causes injury or property damage while driving, it might not be enough.
Jerry has helped lots of South Carolina drivers fulfill the state’s minimum car insurance requirements.
card cover
Justin (53 years old)
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carFord Taurus SEL
$77
per month
card cover
Gussie (41 years old)
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carPontiac Aztek
$90
per month
card cover
Glen (48 years old)
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carNissan Sentra S
$193
per month
card cover
Joel (51 years old)
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carNissan Altima
$145
per month

Do you need more than minimum coverage in Hemingway?

South Carolina’s 25/50/25 minimum car insurance requirements are reasonable. Whether you opt for higher liability limits or purchase full coverage insurance, most drivers require extra protection.
South Carolina is an at-fault state, so in the event of an accident, you could be responsible for vehicle repairs and medical expenses well beyond your minimum coverage. Serious injuries to another person or extreme vehicle damage can incur costs of $50,000 or more—and you’ll be on the hook for paying anything over your policy limits.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you’ll have to pay for your own medical expenses and vehicle damage.
The bottom line: Upgrading your policy limits is the way to go. Look into full coverage or opt for 50/100/50 or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Hemingway

When it comes to repairing or replacing your vehicle after an accident, full coverage car insurance is the only way to ensure financial protection.
Comprehensive
and
collision coverage
make up a full coverage car insurance policy. 
  • Collision coverage takes care of the repair or replacement expenses if your vehicle is damaged from an accident with another vehicle or stationary object
  • Comprehensive coverage helps cover the cost of repair or replacement if your vehicle is stolen or damaged due to non-collision incidents.
If you lease or finance your vehicle, your lender will likely require you to have collision and/or comprehensive.
South Carolina driving laws also required uninsured motorist coverage equal to the minimum amount of liability coverage (25/50/25). 
Drivers in Hemingway have found affordable full-coverage insurance policies with Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$338
Jennie, 56
Zip: 29554
Jeep Cherokee Latitude
• State Minimum Liability
• Comp / Collision
Nationwide
$184
Cecelia, 48
Zip: 29554
Nissan Sentra S
• State Minimum Liability
• Comp / Collision
Safeco
$238
Travis, 28
Zip: 29554
Ford Focus SE
• State Minimum Liability
• Comp / Collision
Dairyland
$265
Viola, 60
Zip: 29554
KIA Soul LX
• State Minimum Liability
• Comp / Collision
Assurance America
$279
Clyde, 32
Zip: 29554
Nissan Altima 2.5
coverageLast Updated Oct 2, 2024
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.
Lower my car insurance too!

Average cost of car insurance in Hemingway

After analyzing scores of insurance providers in Hemingway, we have discovered that the average price for minimum liability coverage amounts to $122 per month or $1,469 per year. Additionally, residents of Hemingway can expect to pay an average of $235 per month or $2,815 per year for full coverage insurance.
Overall, car insurance in Hemingway is more expensive than both the state and national average. 
Coverage type
Hemingway
South Carolina
United States
Full coverage
$2,815
$2,006
$1,790
Minimum coverage
$1,469
$913
$740
But remember, these are just averages. Auto insurance companies generate
car insurance quotes
based on a number of highly individualized factors and
using their own unique algorithms
.
To find out how much you can expect to pay for car insurance in Hemingway, use the
Jerry
app to compare quotes from 55+ providers based on your ZIP code, age, vehicle details, and driving record. 
Once you’ve reviewed your quotes, choose the one that works best for you by tapping “Confirm your rate.” The whole process—from quoting to receiving your insurance cards—typically takes between one and two hours.

Why is car insurance so expensive in Hemingway?

Hemingway’s car insurance rates are expensive for the same reasons that all South Carolina drivers pay extra for car insurance:
  • Populous cities, more drivers: South Carolina is made up of over 5 million residents, not to mention hundreds of daily tourists who keep the roads busy.
  • Uninsured drivers: South Carolina is ranked #28 for uninsured drivers in the country.
  • High cost of auto parts and repairs: Vehicle repairs, auto parts, and general new car prices are on the rise.
  • Expensive healthcare: The national costs and state average for health care in South Carolina are steadily increasing.
  • Highway density: Major highways and state roads remain packed as population increases.
But Hemingway is also subject to a few specific factors that raise the cost of auto coverage beyond the state average.

Severe weather conditions

Hemingway may be an inland town, but it’s still only about 33 miles from the coast. This means area cars are subject to damage from high winds, hail, and flooding caused by thunderstorms, hurricanes, and tropical storms. 

High crime rates

Despite its low population, Hemingway has an
inordinately high property crime rate
. When insurers see an increased likelihood of having to pay out for claims following vehicle theft or vandalism, they charge higher rates.

Car insurance quotes in Hemingway by rating factors 

Insurance companies in Hemingway use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Hemingway?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): South Carolina currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Hemingway:

Cheap car insurance quotes in Hemingway after driving violations

Your
South Carolina driving record
plays a huge part in your insurance rate. Insurance providers use your history of violations and accidents to depict your level of riskiness. High-risk drivers with more serious infractions typically face the highest rates.
 Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Hemingway after DUI

DUIs are a serious infraction—not only will you face steep legal penalties, but you’ll also see a significant increase in your car insurance premiums. 
Fortunately, if you have received a
DUI in South Carolina
, you may still be able to find affordable car insurance by shopping for rates with companies that specialize in providing coverage to high-risk drivers. 
Use Jerry to compare auto insurance quotes in Columbia, SC to find affordable coverage after a DUI.
card cover
Maggie (31 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationHemingway, SC
(Zip Code: 29554)
$70
per month
card cover
Lou (36 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHemingway, SC
(Zip Code: 29554)
$64
per month

Cheapest car insurance in Hemingway after an at-fault accident

Your
car accident
or claims history can impact your car insurance rates and it typically takes a while for your premiums to return to normal after a violation.
Insurance providers assess your history of accidents with a special focus on your at-fault collisions to determine your level of risk. High-risk drivers with more than one at-fault accident will generally see the sharpest rate increase—though having
accident forgiveness
on your policy can help prevent a surcharge after your first at-fault collision.
Jerry has helped Hemingway drivers with an accident on their record find affordable insurance.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$338
Mattie, 56
Zip: 29554
Jeep Cherokee Latitude
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Safeco
$238
Flora, 27
Zip: 29554
Ford Focus SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$203
Essie, 34
Zip: 29554
Toyota Camry L
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 5, 2024

Cheapest car insurance in Hemingway after other driving violations

Reckless driving, driving on a suspended license, and
driving without insurance
can all lead to higher insurance rates in Hemingway, South Carolina.
Jerry is there to help drivers find good insurance rates—even with a not-so-good driving record.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$186
Elva, 40
Zip: 29554
Toyota Camry
• State Minimum Liability
Careless Driving
Bristol West
$538
Lenora, 31
Zip: 29554
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$90
Lora, 40
Zip: 29554
Pontiac Aztek
• State Minimum Liability
coverageLast Updated Oct 5, 2024

Cheap car insurance quotes in Hemingway by age

Your driving experience impacts the level of risk you pose to your insurance provider. Young or
new drivers
with limited driving experience typically pay more for insurance until 25. Car insurance rates remain steady for experienced drivers over 25 with clean records, but premiums can begin to rise again for seniors in their mid-70s.

Cheapest car insurance in Hemingway for young drivers

Young drivers between 16 and 19 pay the highest insurance rates out of all age groups in Hemingway, but rates can still be high up until age 25. Teen drivers are considered especially risky and typically pay the highest for minimum liability coverage. 
Since they are more likely to get into accidents, teen drivers should opt for full coverage insurance—especially if they drive a newer vehicle.
card cover
Andrew (19 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHemingway, SC
(Zip Code: 29554)
$66
per month
card cover
Jayden (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationHemingway, SC
(Zip Code: 29554)
$68
per month

Cheapest car insurance in Hemingway for senior drivers

Senior drivers
are at a higher risk of accidents due to slower reflexes that increase the risk of a collision and a higher susceptibility to injury and mortality resulting from an accident. Due to the added risk of financial liability, senior drivers face higher rates into their 70s.
Fortunately, Jerry can still help you find affordable auto insurance well into your 70s and beyond.
card cover
Janie (75 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationHemingway, SC
(Zip Code: 29554)
$54
per month
card cover
Isabel (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHemingway, SC
(Zip Code: 29554)
$63
per month

Cheap car insurance quotes in Hemingway based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Stella (56 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHemingway, SC
(Zip Code: 29554)
carJeep Cherokee Latitude
$338
per month
card cover
Owen (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carFord Focus SE
$238
per month
card cover
Bertie (40 years old)
Currently Insured
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carPontiac Aztek
$90
per month
card cover
Essie (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationHemingway, SC
(Zip Code: 29554)
carToyota Camry L
$203
per month
card cover
Eleanor (34 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationHemingway, SC
(Zip Code: 29554)
carHonda Accord LX
$136
per month

Cheap car insurance quotes in for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$338
Edna, 56
Zip: 29554
Jeep Cherokee Latitude
• 50,000/100,000 Liability
• Comp / Collision
< 550
National General
$94
Albert, 52
Zip: 29554
Ford Taurus SEL
• State Minimum Liability
coverageLast Updated Oct 1, 2024

How to lower car insurance costs in Hemingway

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Hemingway?

People living in Hemingway pay on average $122 per month – or $1,469 per year – on state-minimum liability coverage. Full coverage in Hemingway costs on average $235 per month or $2,815 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Hemingway?

Based on thousands of Hemingway drivers Jerry has worked with, car insurance in Hemingway costs an average of $122 per month for state-minimum coverage and $235 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Hemingway?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
AAA
Progressive
, and 
Nationwide
 receive good ratings from Hemingway drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

What is the minimum car insurance in Hemingway, South Carolina?

The state-minimum car insurance in Hemingway, South Carolina is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.