South Carolina Cheapest Car Insurance & Best Coverage Options
The Hartford and Geico are the best providers of South Carolina cheapest car insurance and best coverage options. The Hartford offers cheap SC minimum coverage with average rates of $48 per month, and Geico offers the cheapest South Carolina full coverage with average rates of $116 per month.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jan 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jan 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
- The Hartford has the cheapest minimum auto insurance in SC
- Geico has the cheapest full coverage auto insurance in SC
- All SC drivers must carry minimum coverage to drive legally
Looking for the South Carolina cheapest car insurance and best coverage options? You will find the cheapest rates and best options at The Hartford and Geico, as well as at other best auto insurance companies like USAA.
Read on to learn more about affordable car insurance in South Carolina. You can also enter your ZIP code into our free quote comparison tool to get cheap SC auto insurance quotes.
Affordable South Carolina Car Insurance Rates
Drivers in South Carolina have several options to choose from when looking for affordable and reliable car insurance companies.
| Cheapest Car Insurance in South Carolina - Quick Hits |
|---|
 The cheapest South Carolina car insurance options are:Cheapest for minimum coverage: The Hartford Cheapest for full coverage: Geico Cheapest after an at-fault accident: Farm Bureau Cheapest after a speeding ticket: Auto-Owners Cheapest after a DUI: Progressive Cheapest for poor credit history: Geico Cheapest for young drivers: Farm Bureau For young drivers with a speeding violation: State Farm For young drivers with an at-fault accident: Farm Bureau |
This South Carolina auto insurance guide will help you find the best car insurance premiums and save money for drivers in various categories and age groups.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Cheapest Car Insurance in South Carolina for Minimum Coverage
Our licensed insurance agents found The Hartford offers the cheapest rates for minimum coverage car insurance in South Carolina for drivers with a clean driving record with a $580 yearly quote or $48 monthly rate during our comparison shopping analysis.
The average South Carolina state minimum rate is $721 per year, and The Hartford’s quote is $141 cheaper or 20% less expensive than average rates.
| Company | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| The Hartford | $580 | $48 |
| USAA | $611 | $51 |
| Geico | $624 | $52 |
| State Farm | $671 | $56 |
| South Carolina Farm Bureau | $753 | $63 |
| Progressive | $760 | $64 |
| Auto-Owners | $821 | $68 |
| Nationwide | $833 | $70 |
| Liberty Mutual | $836 | $71 |
*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.
While drivers in South Carolina can enjoy lower auto insurance rates by taking out a minimum coverage policy, you may not have all the coverage you need to cover the cost of repairs if your motor vehicle is involved in a severe crash.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Therefore, it is good to compare the rates with multiple car insurance providers with full coverage policies in South Carolina that offer first-party coverage, which pays to replace or repair your vehicle in an accident.
Cheapest Full Coverage Car Insurance For Drivers in South Carolina
Our agents found Geico offers the cheapest auto insurance option with a quote at $1,388 per year or $115 per month for affordable full coverage rates.
Geico’s rate is 20% less expensive than South Carolina’s average rate of $1,720 annually or $332 less per year.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Geico | $1,388 | $115 |
| The Hartford | $1,461 | $121 |
| Travelers | $1,525 | $127 |
| South Carolina average | $1,720 | $143 |
The average cost for full coverage car insurance for drivers in South Carolina is $1,720 annually or $143 per month. The difference between the average price of minimum coverage and a policy with comprehensive and collision insurance in South Carolina is $998.
Although full coverage is more expensive than a basic insurance policy, the amount you can save over time by avoiding paying for your car's property damage after accidents can help make up the difference.Dani Best Licensed Insurance Producer
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Cheapest Car Insurance with a Speeding Ticket in South Carolina
South Carolina drivers with one speeding ticket in their driving history can save 26% with Auto-Owners Insurance, which has average annual premium costs of $1,681 per year.
We found Auto-Owner’s rate is $561 cheaper than South Carolina’s mean speeding violation rate of $2,242 annually. Below, you can see how a traffic ticket can impact your car insurance rates in SC.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Auto-Owners | $1,681 | $140 |
| State Farm | $1,840 | $153 |
| Geico | $1,977 | $164 |
| South Carolina average | $2,242 | $186 |
In South Carolina, drivers pay an average of $2,242 annually for their car insurance or a 24% rate increase if they have traffic tickets on their driving record.
Therefore, it is good to choose a car insurance company that offers the lowest rates for drivers with a speeding violation, even if you do not currently have one on your driving record.
Cheapest Car Insurance with an Auto Accident in South Carolina
Drivers in South Carolina with one at-fault car accident on their driving records can get cheaper auto insurance with Farm Bureau, which provided our agents a $2,045 yearly rate or 30% less expensive than South Carolina’s average accident rate for full coverage.
Our agents suggest comparing insurance quotes with State Farm to find the best rate since their quotes are 26% cheaper for an at-fault accident.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Farm Bureau | $2,045 | $170 |
| State Farm | $2,161 | $180 |
| Geico | $2,540 | $211 |
| South Carolina average | $2,910 | $242 |
We found the average cost of coverage can increase by 41% in South Carolina with an at-fault accident during AutoInsureSavings.org analysis.
The average insurance premium difference for a driver with a clean driving history than a driver with one accident is $1,190 per year.
Cheapest Car Insurance With a DUI in South Carolina
Progressive offers the cheapest DUI coverage rates for drivers in South Carolina with a $2,247 annual premium or $187 per month during our rate analysis.
Learn more: Progressive Car Insurance Review for Families, Policy Options & Ratings
Progressive’s rate is 33% less expensive than South Carolina’s average car insurance premiums for a driver with a DUI in their driving history.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Progressive | $2,247 | $187 |
| State Farm | $2,460 | $205 |
| Farm Bureau | $2,712 | $226 |
| South Carolina average | $3,341 | $278 |
Drivers who receive a DUI conviction in South Carolina can expect their insurance to go up by as much as 49% annually, along with a temporary driver’s license suspension or a required ignition interlock device (IID) installed in their motor vehicle.\
Read more: The Best Car Insurance Companies After a DUI
According to the South Carolina Division of Insurance (SC DOI), drivers who take a defensive driving course could lower insurance costs by 30% after a DUI violation.
Cheapest Car Insurance for Drivers With Poor Credit in South Carolina
South Carolina drivers with bad credit can find the cheapest insurance with Geico, with an annual $1,924 rate for full coverage. Geico’s rate is 33% less expensive than the statewide average of $2,467.
Additional car insurance companies with better than average rates for drivers with poor credit are Travelers Insurance and Auto-Owers.
Both auto insurers offer monthly rates at $171 and $188, or 9% lower than average.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Geico | $1,924 | $160 |
| Travelers | $2,057 | $171 |
| Auto-Owners | $2,266 | $188 |
| South Carolina average | $2,467 | $205 |
The average cost of auto insurance for drivers in South Carolina with poor credit is $2,467 per year, or 31% higher than the state average. Car insurance companies will often look at your credit report’s details to determine what your auto insurance rate should be.
Cheapest Car Insurance for Young Drivers in South Carolina
During our insurance agent’s comparison analysis, young South Carolina drivers or college students with a clean driving record can find the cheapest minimum liability auto insurance with Farm Bureau with a $1,761 minimum coverage rate.
The next best car insurance for teens is Auto-Owners Insurance, for state minimum, which provided our agents at $1,953 annual rate for liability insurance.
| Insurer | Full Coverage | Minimum Coverage |
|---|---|---|
| Farm Bureau | $3,642 | $1,761 |
| USAA | $3,711 | $1,620 |
| Auto-Owners | $3,849 | $1,953 |
| Travelers | $4,147 | $2,063 |
| Geico | $4,581 | $2,119 |
| State Farm | $4,968 | $2,281 |
| Progressive | $5,368 | $2,844 |
| South Carolina average | $6,512 | $2,650 |
*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.
Young or teen drivers looking for the most affordable full coverage auto policy should go with South Carolina Farm Bureau, which provided us a $3,642 quote or 44% lower than South Carolina’s average of $6,512.
Additional auto insurers offering cheaper than average full coverage rates for young South Carolina drivers are Auto-Owners and Travelers Insurance, with quotes at $3,849 and $4,147or at least 37% cheaper.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Young or adolescent drivers have higher car insurance rates in South Carolina due to their lack of experience and a higher risk of being involved in a car accident.
One of the best ways for younger drivers to get cheaper auto insurance rates is by adding a young or teen driver to their parents’ policy.
According to the South Carolina Department of Insurance, the average household’s car insurance bill rose by 152% when adding an inexperienced driver to a policy, compared to a 267% increase when a young person has their own insurance policy.
Cheapest Car Insurance for Young Drivers with a Speeding Ticket
With a speeding violation in their driver history, younger drivers in South Carolina should look to State Farm for cheap auto insurance.
State Farm’s annual rate of $5,032 or $419 per month is 28% cheaper than the average $6,512 rate for full coverage.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $5,032 | $419 |
| Farm Bureau | $5,368 | $447 |
| Geico | $5,619 | $468 |
| South Carolina average | $6,981 | $581 |
Read more: How much will my auto insurance go up with a speeding ticket?
Cheapest Car Insurance for Young Drivers with an At-Fault Accident
The cheapest auto insurance coverage for younger drivers with one at-fault accident in South Carolina is Farm Bureau, which provided our agents a $451 monthly rate for full coverage or 31% less expensive than the state average.
The next cheapest insurance option is State Farm, with a $493 monthly rate or 22% less expensive than the average at-fault accident rate for younger people under 25.
| Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Farm Bureau | $5,512 | $451 |
| State Farm | $5,918 | $493 |
| Geico | $6,046 | $503 |
| South Carolina average | $7,568 | $630 |
Read more: Will Car Insurance Rates Increase After an Accident?
Best Auto Insurance Companies in South Carolina
Our licensed agent’s research found that Auto-Owners Insurance, USAA, and Nationwide, offered some of the lowest auto insurance rates with quality customer service and sound financial strength ratings for various South Carolina drivers.
Suppose you want to find the best car insurance company with customer service and claims handling. In that case, Auto-Owners is the best option where 100% of customers are satisfied with a recent claim, according to ValuePenguin’s recent survey.
If you want the best car insurance options for veterans, however, then you will find the best insurance at USAA (learn more: A Review of USAA Car Insurance, Policy Options & Military Benefits).
| Auto Insurer | % of respondents extremely satisfied with recent claim | % of respondents rated customer service as excellent |
|---|---|---|
| Auto-Owners | 100% | 67% |
| USAA | 78% | 62% |
| Nationwide | 78% | 53% |
| State Farm | 73% | 46% |
We used the National Association of Insurance Commissioners (NAIC) complaint index to find the best auto insurer in an alternative approach.
The car insurance company with the lowest complaint index ratio is Farm Bureau Insurance with 0.22, with 1.00 being the national average. Auto-Owners ratio is 0.44, well below the national average, and Allstate is 0.63.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Farm Bureau has no rating with J.D. Power’s claims satisfaction survey. Still, they have an “A+” financial strength ratings with A.M. Best, while Auto-Owners has an “A++” financial strength ratings and an 890 J.D. Power claims satisfaction score.
If you are shopping for the cheapest car insurance in South Carolina with quality coverage and excellent customer service, we recommend either Farm Bureau Insurance or Auto-Owners.
| Insurance Company | NAIC complaint index | J.D. Power Claims Satisfaction | AM Best Rating |
|---|---|---|---|
| South Carolina Farm Bureau | 0.22 | n/a | A+ |
| Auto-Owners | 0.44 | 890 | A++ |
| Allstate | 0.63 | 876 | A+ |
| State Farm | 0.66 | 881 | A++ |
| Progressive | 0.67 | 856 | A+ |
| USAA | 0.68 | 890 | A++ |
| Geico | 0.76 | 871 | A++ |
| Travelers | 1.37 | 861 | A++ |
*NAIC complaint ratio index, the lower the number, the better. Farm Bureau Insurance has an index of 0.22 complaints based on market share, while Auto-Owners is 0.44. Both car insurers are well below the national average of 1.00.
Average Car Insurance Cost by City in South Carolina
AutoInsureSavings.org licensed agents surveyed multiple insurance companies across most South Carolina cities and found the average cost of car insurance is $1,720 per year.
Your zip code in South Carolina is a significant factor that can influence your car insurance rates, along with your credit score, driver profile, marital status, type of motor vehicle, and coverage levels.
Cheapest Auto Insurance in Charleston, SC
AutoInsureSavings.org licensed agents found Travelers is the cheapest car insurance company for drivers in Charleston.
Learn more: Review of Travelers Car Insurance Options; a Comparison With Other Insurers
They provided us a $1,515 annual rate for full coverage, 21% less expensive than Charleston’s yearly average rate of $1,914.
| Charleston Company | Average Premium |
|---|---|
| Travelers | $1,515 |
| Farm Bureau | $1,671 |
| State Farm | $1,775 |
| Charleston average | $1,914 |
Cheapest Auto Insurance in Columbia, SC
Columbia drivers can find the cheapest full coverage insurance policy with Farm Bureau, which provided our agents a $1,490 annual rate per year for our sample 30-year-old. Farm Bureau’s insurance quote is 23% cheaper than average rates for similar driver profiles in Columbia.
| Columbia Company | Average Premium |
|---|---|
| Farm Bureau | $1,490 |
| Geico | $1,561 |
| Liberty Mutual | $1,836 |
| Columbia average | $1,912 |
Cheapest Auto Insurance in Mount Pleasant, SC
Mount Pleasant drivers can find cheap auto insurance policies with Farm Bureau, which provided us a $1,316 yearly rate for our sample 30-year-old driver with full coverage. Farm Bureau’s quote is 30% cheaper than Mount Pleasant’s $1,869 average rates.
| Mount Pleasant Company | Average Premium |
|---|---|
| Farm Bureau | $1,316 |
| Geico | $1,483 |
| Auto-Owners | $1,711 |
| Mount Pleasant average | $1,869 |
Cheapest Auto Insurance in Rock Hill, SC
Rock Hill residents looking for the best auto insurance policies should get quotes from Auto-Owners Insurance, which provided our insurance agents a $1,424 yearly rate for a 30-year-old driver with $100,000 in liability insurance and a $500 deductible for collision and comprehensive.
Auto-Owners’ car insurance quote is $422 less per year than Rock Hill’s average annual rate of $1,846.
| Rock Hill Company | Average Premium |
|---|---|
| Auto-Owners | $1,424 |
| State Farm | $1,531 |
| Liberty Mutual | $1,780 |
| Rock Hill average | $1,846 |
Cheapest Auto Insurance in Greenville, SC
Our agents found the cheapest auto insurance in Greenville is with Geico, with a $1,486 per year rate for a full coverage policy with $500 deductibles for comprehensive and collision insurance. Geico’s quote is 21% less expensive than Greenville’s $1,870 average rate.
| Greenville Company | Average Premium |
|---|---|
| Geico | $1,486 |
| Nationwide | $1,596 |
| The Hartford | $1,613 |
| Greenville average | $1,870 |
Cheapest Auto Insurance in Hilton Head Island, SC
Hilton Head drivers can find the cheapest car insurance with Nationwide, which provided our agents a $1,418 average rate per year with $100,000 in liability coverage and $500 deductibles for collision and comprehensive insurance. Nationwide’s $118 monthly rate is 25% less expensive than Hilton Head’s $1,888 average rate.
| Hilton Head Company | Average Premium |
|---|---|
| Nationwide | $1,418 |
| Auto-Owners | $1,526 |
| USAA | $1,570 |
| Hilton Head average | $1,888 |
Average Car Insurance Cost for All Cities in South Carolina
| City | Annual Premium Cost | City | Annual Premium Cost |
|---|---|---|---|
| Myrtle Beach | $1,944 | Landrum | $1,717 |
| Columbia | $1,912 | Lane | $1,683 |
| Charleston | $1,914 | Langley | $1,733 |
| North Charleston | $1,877 | Latta | $1,654 |
| Mount Pleasant | $1,869 | Laurens | $1,707 |
| Rock Hill | $1,846 | Leesville | $1,713 |
| Greenville | $1,870 | Lexington | $1,735 |
| Summerville | $1,841 | Liberty Hill | $1,749 |
| Sumter | $1,873 | Liberty | $1,701 |
| Hilton Head Island | $1,888 | Little Mountain | $1,696 |
| Florence | $1,913 | Little River | $1,750 |
| Spartanburg | $1,903 | Little Rock | $1,747 |
| Abbeville | $1,683 | Lobeco | $1,728 |
| Adams Run | $1,733 | Lockhart | $1,756 |
| Aiken | $1,707 | Long Creek | $1,701 |
| Alcolu | $1,696 | Longs | $1,713 |
| Allendale | $1,745 | Loris | $1,742 |
| Anderson | $1,753 | Lowndesville | $1,780 |
| Andrews | $1,707 | Lugoff | $1,696 |
| Arcadia | $1,717 | Lydia | $1,765 |
| Atlantic Beach | $1,696 | Lyman | $1,775 |
| Awendaw | $1,766 | Lynchburg | $1,780 |
| Aynor | $1,701 | Manning | $1,728 |
| Ballentine | $1,683 | Marietta | $1,808 |
| Bamberg | $1,742 | Marion | $1,717 |
| Barnwell | $1,713 | Marlboro | $1,733 |
| Bates Leesville | $1,765 | Mauldin | $1,796 |
| Batesburg | $1,800 | Mayesville | $1,683 |
| Bath | $1,789 | Mayo | $1,812 |
| Beaufort | $1,707 | Mc Bee | $1,742 |
| Beech Island | $1,717 | Mc Clellanville | $1,696 |
| Belton | $1,808 | Mc Connells | $1,701 |
| Bethune | $1,696 | Mcbee | $1,813 |
| Bishopville | $1,812 | McCormick | $1,771 |
| Blacksburg | $1,798 | Miley | $1,765 |
| Blackstock | $1,814 | Moncks Corner | $1,713 |
| Bluffton | $1,683 | Monetta | $1,753 |
| Boiling Spgs | $1,733 | Montmorenci | $1,787 |
| Boiling Springs | $1,713 | Moore | $1,818 |
| Bonneau | $1,707 | Mount Croghan | $1,742 |
| Bowling Green | $1,701 | Mountain Rest | $1,683 |
| Bowman | $1,728 | Mountville | $1,696 |
| Bradley | $1,792 | Mt Pleasant | $1,717 |
| Brunson | $1,771 | Mullins | $1,728 |
| Buffalo | $1,696 | Murrells Inlet | $1,812 |
| Cades | $1,753 | Murrells Inlt | $1,796 |
| Calhoun | $1,765 | Neeses | $1,654 |
| Calhoun Falls | $1,683 | Nesmith | $1,701 |
| Camden | $1,742 | New Ellenton | $1,785 |
| Campobello | $1,811 | New Zion | $1,713 |
| Carlisle | $1,707 | Newberry | $1,683 |
| Cassatt | $1,696 | Newry | $1,717 |
| Catawba | $1,707 | Nichols | $1,696 |
| Cayce | $1,728 | Ninety Six | $1,733 |
| Central | $1,713 | Norris | $1,654 |
| Chapin | $1,701 | North Augusta | $1,753 |
| Chappells | $1,782 | North Myrtle Beach | $1,799 |
| Cheraw | $1,683 | Norway | $1,794 |
| Chesnee | $1,765 | Okatie | $1,810 |
| Chester | $1,717 | Olanta | $1,683 |
| Chesterfield | $1,808 | Orangeburg | $1,771 |
| Clearwater | $1,812 | Pacolet Mills | $1,790 |
| Clemson | $1,654 | Pacolet | $1,719 |
| Cleveland | $1,733 | Pageland | $1,701 |
| Clifton | $1,808 | Pamplico | $1,728 |
| Clinton | $1,753 | Parris Island | $1,713 |
| Clover | $1,683 | Patrick | $1,707 |
| Conestee | $1,654 | Pauline | $1,765 |
| Converse | $1,707 | Pawleys Island | $1,789 |
| Conway | $1,719 | Peak | $1,683 |
| Cope | $1,821 | Pelion | $1,742 |
| Cordesville | $1,701 | Pelzer | $1,696 |
| Cordova | $1,719 | Pendleton | $1,808 |
| Cottageville | $1,713 | Pickens | $1,733 |
| Coward | $1,683 | Piedmont | $1,654 |
| Cowpens | $1,728 | Pineland | $1,808 |
| Cross Anchor | $1,719 | Pineville | $1,753 |
| Cross Hill | $1,771 | Pinewood | $1,707 |
| Cross | $1,807 | Pinopolis | $1,683 |
| Dalzell | $1,696 | Pomaria | $1,728 |
| Daniel Island | $1,742 | Port Royal | $1,701 |
| Darlington | $1,790 | Prosperity | $1,707 |
| Davis Station | $1,765 | Rains | $1,719 |
| Dillon | $1,802 | Ravenel | $1,713 |
| Donalds | $1,683 | Reevesville | $1,742 |
| Dorchester | $1,654 | Reidville | $1,803 |
| Drayton | $1,701 | Rembert | $1,696 |
| Due West | $1,733 | Richburg | $1,803 |
| Duncan | $1,728 | Richland | $1,683 |
| Early Branch | $1,696 | Ridge Spring | $1,742 |
| Easley | $1,719 | Ridgeville | $1,701 |
| Eastover | $1,713 | Rion | $1,654 |
| Edgefield | $1,753 | Roebuck | $1,707 |
| Edgemoor | $1,683 | Rowesville | $1,733 |
| Edisto Island | $1,654 | Ruby | $1,765 |
| Effingham | $1,742 | Ruffin | $1,701 |
| Elgin | $1,771 | Russellville | $1,683 |
| Elliott | $1,801 | Saint George | $1,713 |
| Enoree | $1,701 | Saint Helena Island | $1,696 |
| Estill | $1,742 | Saint Stephen | $1,728 |
| Eutawville | $1,696 | Salem | $1,707 |
| Fair Play | $1,707 | Salley | $1,654 |
| Fairfield | $1,719 | Salters | $1,804 |
| Fairforest | $1,683 | Sandy Springs | $1,790 |
| Fingerville | $1,733 | Santee | $1,765 |
| Folly Beach | $1,713 | Scranton | $1,701 |
| Fork | $1,683 | Seabrook | $1,742 |
| Fort Lawn | $1,812 | Sellers | $1,753 |
| Fort Mill | $1,728 | Seneca | $1,696 |
| Fountain Inn | $1,654 | Sharon | $1,800 |
| Furman | $1,701 | Shaw Afb | $1,719 |
| Gable | $1,742 | Sheldon | $1,814 |
| Gadsden | $1,683 | Silverstreet | $1,707 |
| Gaffney | $1,790 | Simpsonville | $1,654 |
| Garnett | $1,722 | Six Mile | $1,701 |
| Georgetown | $1,765 | Slater | $1,713 |
| Gifford | $1,771 | Smyrna | $1,733 |
| Gilbert | $1,696 | Society Hill | $1,683 |
| Glendale | $1,736 | Springfield | $1,728 |
| Gloverville | $1,753 | St Helena Is | $1,722 |
| Goose Creek | $1,654 | Starr | $1,696 |
| Gramling | $1,701 | Startex | $1,736 |
| Graniteville | $1,683 | State Park | $1,790 |
| Gray Court | $1,713 | Sullivans Is | $1,654 |
| Great Falls | $1,707 | Sullivans Island | $1,812 |
| Greeleyville | $1,722 | Summerton | $1,701 |
| Green Pond | $1,654 | Sunset | $1,683 |
| Green Sea | $1,728 | Surfside Beach | $1,765 |
| Greenwood | $1,733 | Sycamore | $1,783 |
| Greer | $1,789 | Tamassee | $1,654 |
| Hamer | $1,696 | Taylors | $1,713 |
| Hampton | $1,701 | Tega Cay | $1,707 |
| Hanahan | $1,683 | Tigerville | $1,736 |
| Hardeeville | $1,753 | Timmonsville | $1,806 |
| Harleyville | $1,654 | Townville | $1,728 |
| Hartsville | $1,683 | Travelers Rest | $1,814 |
| Heath Springs | $1,736 | Travelers Rst | $1,713 |
| Hemingway | $1,765 | Trenton | $1,696 |
| Hickory Grove | $1,707 | Troy | $1,722 |
| Hilton Head | $1,783 | Turbeville | $1,803 |
| Hodges | $1,696 | Una | $1,701 |
| Holly Hill | $1,736 | Union | $1,733 |
| Hollywood | $1,728 | Van Wyck | $1,736 |
| Honea Path | $1,771 | Vance | $1,707 |
| Hopkins | $1,812 | Varnville | $1,765 |
| Horatio | $1,654 | Vaucluse | $1,683 |
| Huger | $1,753 | Wadmalaw Island | $1,696 |
| Inman | $1,713 | Wagener | $1,783 |
| Irmo | $1,722 | Walhalla | $1,736 |
| Islandton | $1,812 | Walterboro | $1,701 |
| Isle Of Palms | $1,683 | Ward | $1,713 |
| Iva | $1,808 | Ware Shoals | $1,722 |
| Jackson | $1,707 | Warrenville | $1,701 |
| Jacksonboro | $1,736 | Waterloo | $1,728 |
| Jamestown | $1,696 | Wedgefield | $1,808 |
| Jasper | $1,783 | Wellford | $1,654 |
| Jefferson | $1,713 | West Columbia | $1,701 |
| Joanna | $1,811 | West Union | $1,771 |
| Johns Island | $1,733 | Westminster | $1,783 |
| Johnsonville | $1,765 | Westville | $1,654 |
| Jonesville | $1,728 | White Rock | $1,696 |
| Kershaw | $1,722 | White Stone | $1,713 |
| Kingstree | $1,654 | Whitmire | $1,758 |
| La France | $1,740 | Williams | $1,733 |
| Ladson | $1,713 | Williamston | $1,654 |
| Lake City | $1,683 | Williston | $1,728 |
| Lake View | $1,739 | Windsor | $1,707 |
| Lake Wylie | $1,696 | Woodruff | $1,713 |
| Lamar | $1,701 | Yemassee | $1,683 |
| Lancaster | $1,683 | York | $1,654 |
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
South Carolina Minimum Auto Insurance Requirements
Drivers must have minimum car insurance requirements to be legal and compliant with state law.
| Car insurance requirements |
|---|
| $25,000 per person / $50,000 per accident for bodily injury liability |
| $25,000 per accident for property damage liability |
| $25,000 per person / $50,000 per accident for uninsured motorist coverage |
Buying a minimum coverage policy is the most affordable and cheapest insurance option; however, if you are involved in an auto accident, a state minimum insurance policy will not cover property damage to your car. If you can fit it into your budget, it really is worth carrying more.
To learn more about the most affordable car insurance options in South Carolina, enter your zip code in our quote comparison tool or get expert advice at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.
Methodology
AutoInsureSavings.org comparison shopping study used a full-coverage auto policy with a clean driving record for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:
| Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision coverage | $500 deductible |
We used rates for drivers with an accident history, credit score, and marital status for other South Carolina rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.
Sources
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– SC – Department of Insurance. “Teen Drivers, Insurance & Safety.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– South Carolina Department of Insurance. “Automobile Insurance.”
– Insurance Information Institute. “Uninsured Motorists.”
Frequently Asked Questions
Who has the cheapest car insurance in South Carolina?
The Hartford offers the most affordable rates for those wanting minimum coverage in South Carolina, with an annual rate of $580 or $48 per month for 30-year-olds. The Hartford’s rate is 20% less expensive than the state average of $721. USAA offers state minimum coverage at $611 per year or $51 per month for those who qualify for this cheap car insurance.
How much is car insurance in South Carolina per month?
The average cost of car insurance in South Carolina is $60 per month for those who want minimum coverage and $143 per month for people needing full coverage policies. Companies that offer rates less than that per month include The Hartford, USAA, and Geico.
How much is full coverage car insurance in South Carolina?
The average cost of full coverage South Carolina car insurance is $1,720 annually or $143 per month, including uninsured motorists coverage. The following insurance companies offer cheaper rates than the state’s average: Geico at $1,388, The Hartford at $1,461, and Travelers at $1,525 per year for a 30-year-old driver.
How do I save on car insurance in South Carolina?
It is best to compare auto insurance quotes with the same coverage level from several top companies to find the most affordable rates. Asking your agent or insurance company about money-saving discounts or usage-based insurance can help you lower your overall insurance costs, such as a safe driver or multi-policy discounts from life, rental, or home insurance policies. Keeping an eye on your credit report and maintaining safe driving habits can help you save money on your South Carolina auto insurance.
Why is SC car insurance so high?
South Carolina car insurance is based on location factors, such as traffic patterns and weather. If you have expensive SC car insurance rates, make sure you are shopping around to find cheap car insurance in SC.
What is the minimum car insurance required in South Carolina?
SC drivers must carry liability insurance and uninsured motorist insurance in South Carolina.
Is South Carolina a no-fault state for car insurance?
South Carolina is an at-fault state, so make sure you carry the best car insurance in South Carolina.
Can you drive without insurance in South Carolina?
No, all SC drivers must carry auto insurance to drive.
Does insurance follow the car or driver in South Carolina?
Generally, car insurance will follow the car, not the driver.
Is South Carolina a PIP state?
South Carolina does not require drivers to carry PIP insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jan 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.