Cheap South Carolina Car Insurance

Find affordable auto insurance that works for you in South Carolina. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in South Carolina

Across the Palmetto State, there are 139,690 miles of road just waiting to be driven. Learn about average insurance rates in SC for a variety of driving profiles and check out insurance quotes from inexpensive, quality companies in your state.


 

Affordable insurance companies in South Carolina

What's the cheapest car insurance in South Carolina?
Rank Company Name Avg. Annual Premium
1 The Hartford $760
2 USAA $1,319
3 Travelers $1,370
4 State Farm $1,416
5 Southern Farm Bureau $1,586
6 National Grange Mutual $1,610
7 Allstate $1,639
8 Progressive $1,675
9 Nationwide $1,774
10 Safe Auto $2,856

Compare quotes from dozens of companies that provide coverage throughout South Carolina. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in South Carolina

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. South Carolina drivers without a recent at-fault accident typically save 31% on their car insurance premiums — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $271 16.54%
No Accidents $628 31.46%
Good Credit $1,394 50.48%

 

Cheap auto insurance for young drivers in South Carolina

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In South Carolina, the typical teen driver pays $4,742 annually, which aligns with the national average for teens. Teen drivers in South Carolina pay approximately three times as much as do older drivers.

Age Annual Rate with Parents Annual Rate Alone
16 $5,050 $6,372
17 $4,732 $5,274
18 $4,554 $4,620
19 $4,153 $3,190

 

Cheap auto insurance for bad drivers in South Carolina

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 33% after a DUI, 31% after an at-fault accident, and 16% after a speeding ticket in South Carolina. The post-citation penalties assessed by car insurance companies in South Carolina are near nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,995 31.46%
DUI $2,065 33.79%
Speeding Violation $1,638 16.54%
Bad Credit $2,761 50.48%

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Top rated car insurance companies in South Carolina

Every car insurer boasts about its low rates. But just like with any service, the least expensive option isn't always the best. Considering the stakes, it's worth doing the due diligence to obtain an auto policy that covers your car completely after an accident. It's worth contrasting options to discover a great value, rather than settling for the cheapest car insurance in South Carolina.

Review top insurance companies' financial strength and claims satisfaction levels to better understand the level of service they will provide. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — evaluates an insurer's financial strength and ability to meet its policy and contractual obligations.

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3
Safe Auto N/A N/A Excellent N/A
Southern Farm Bureau N/A N/A Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

South Carolina auto insurance laws

In South Carolina, the state minimum coverage requirements are as follows:

Liability:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Uninsured Motorist:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Optional coverage in South Carolina (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury
  • Underinsured Motorist Property Damage

For the legal minimum coverage level in South Carolina, prepare to pay an average of $693 per year. This is pricier than the U.S. average by 5%. If you opt for more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicle collisions, theft, or weather conditions. However, better insurance coverage comes at a price: in South Carolina, a comprehensive insurance policy with a $1,000 deductible costs $1,240, 79% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 97% more than you might for basic coverage.

Learn more about car insurance laws in South Carolina.

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How tickets change insurance rates in South Carolina

If you get a ticket, your auto insurance rates will probably rise. By how much depends on the violation, your insurance company's pricing strategy, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average auto insurance rates in South Carolina after a few common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,195 60% $826
Refused Breathalyzer/Chemical Test $2,125 55% $756
DUI $2,125 55% $756
Racing $2,115 55% $746
Reckless Driving $2,063 51% $694
Driving with a Suspended License $2,103 54% $734
At-Fault Accident $1,967 44% $598
Driving with an Open Container $1,807 32% $438
Operating a Vehicle Without Permission $1,711 25% $342
Passing a School Bus $1,705 25% $336
Improper Passing $1,667 22% $298
Following Too Closely $1,667 22% $298
Speeding $1,649 20% $280
Failure to Stop at a Red Light $1,667 22% $298
Illegal Turn $1,667 22% $298
Driving Wrong Way/Wrong Lane $1,667 22% $298
Failure to Yield $1,667 22% $298
Speeding in a School Zone $1,649 20% $280
Driving Too Slowly $1,649 20% $280
Distracted Driving $1,607 17% $238
Driving with Expired Registration $1,602 17% $234
Failure to Show Documents $1,602 17% $234
Not-at-Fault Accident $1,460 7% $91
Failure to Use Child Safety Restraint $1,464 7% $95
Failure to Wear a Seat Belt $1,464 7% $95
Driving Without Lights $1,405 3% $36

 

South Carolina car insurance FAQs

Who has the cheapest car insurance in South Carolina?

The Hartford ($380 per six-month policy) and USAA ($658) are the cheapest providers in South Carolina. If you do not qualify for these companies, consider GEICO, Progressive and State Farm.

How much is car insurance in SC?

Car insurance in South Carolina is slightly less costly than the national average. A liability-only policy will set you back $346 per six-month policy, and a full coverage policy costs $684.

Is it illegal to drive without insurance in SC?

Yes, it is illegal to drive without insurance in South Carolina. If you're struggling to pay for auto insurance, let us help. Use our comparison tool to see how much you could be saving for full or liability coverage.

How much does car insurance cost in South Carolina cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Simpsonville, South Carolina, and the most expensive in North Charleston, South Carolina.

Rank City Avg. Annual Premium
1 North Charleston $1,508
2 Summerville $1,496
3 Charleston $1,470
4 Columbia $1,438
5 Rock Hill $1,433
6 Mount Pleasant $1,346
7 Spartanburg $1,308
8 Greenville $1,306
9 Hilton Head Island $1,266
10 Simpsonville $1,206

 

RECENT QUESTIONS

Should I file a claim through State Farm?

These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.
Mar 1, 2020 Myrtle Beach, SC

Can my mom add me and my car to her policy?

This can depend. Do you live with your mom full time?
Oct 24, 2018 Newberry, SC

Can my license be suspended if my son wrecked my car without insurance?

Sorry to hear about the situation. I cannot give you a definitive answer as it sounds like this situation will be determined in the courts.
Dec 17, 2019 Anderson, SC

How can I get auto insurance as a foreign driver?

You can use our insurance calculator here in order to find insurance. Your status as a foreign driver does not impact this as long as you have your license.
Jan 19, 2018 Colombia, South Carolina

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.