Cheap South Carolina Car Insurance

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

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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. We’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums in South Carolina

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

Compare quotes from over 30 insurance companies that provide coverage throughout South Carolina. Enter your ZIP code below to get started.

Compare cheap rates from top companies now!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Cheap 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$27116.54%
No Accidents$62831.46%
Good Credit$1,39450.48%

Cheap 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.

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

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,99531.46%
DUI$2,06533.79%
Speeding Violation$1,63816.54%
Bad Credit$2,76150.48%

Best Car Insurance Companies in South Carolina

Every car insurer boasts about its low rates. But just like with any service, the cheapest 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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Auto-Owners5Superior
Bristol WestNot RatedExcellent
GEICO3Superior
Liberty Mutual3Excellent
National Grange MutualNot RatedExcellent
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
Southern Farm BureauNot RatedSuperior
State AutoNot RatedExcellent
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior

 

See insurance rates for South Carolina's best companies!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

 

What is the Best Auto Insurance Coverage in South Carolina?

The minimum insurance requirement in the state of South Carolina is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Compare average expenditures for basic, good, and great policy tiers below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
South Carolina$693.49$1,239.69$1,369.56
National Average$657.66$1,241.26$1,397.94

South Carolina Auto Insurance Laws

State minimum insurance requirements in South Carolina

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

Learn more about car insurance laws in South Carolina.

Driving Laws in South Carolina

South Carolina Texting and Driving Laws

  1. Ban on text messaging for all drivers

South Carolina DUI Laws

The DUI lookback period in South Carolina is 10 years. Multiple DUI offenses within a decade result in harsher penalties. Penalties are also enhanced for any DUI that leads to injury or death. DUI penalties in South Carolina are also increased for DUI with a passenger under 16 years old.

First-time DUI offenses in South Carolina lead to:

  • 48 hours to 30 days in jail or 48 hours of community service
  • $400 in fines
  • License suspension for six months

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,19560%$826
Refused Breathalyzer/Chemical Test$2,12555%$756
DUI$2,12555%$756
Racing$2,11555%$746
Reckless Driving$2,06351%$694
Driving with a Suspended License$2,10354%$734
At-Fault Accident$1,96744%$598
Driving with an Open Container$1,80732%$438
Operating a Vehicle Without Permission$1,71125%$342
Passing a School Bus$1,70525%$336
Improper Passing$1,66722%$298
Following Too Closely$1,66722%$298
Speeding$1,64920%$280
Failure to Stop at a Red Light$1,66722%$298
Illegal Turn$1,66722%$298
Driving Wrong Way/Wrong Lane$1,66722%$298
Failure to Yield$1,66722%$298
Speeding in a School Zone$1,64920%$280
Driving Too Slowly$1,64920%$280
Distracted Driving$1,60717%$238
Driving with Expired Registration$1,60217%$234
Failure to Show Documents$1,60217%$234
Not-at-Fault Accident$1,4607%$91
Failure to Use Child Safety Restraint$1,4647%$95
Failure to Wear a Seat Belt$1,4647%$95
Driving Without Lights$1,4053%$36

Get South Carolina car insurance now!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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.

RankCityAvg. Annual Premium
1North Charleston$1,508
2Florence$1,502
3Summerville$1,496
4Goose Creek$1,472
5Charleston$1,470
6Columbia$1,438
7Rock Hill$1,433
8Myrtle Beach$1,404
9Mount Pleasant$1,346
10Spartanburg$1,308
11Greenville$1,306
12Anderson$1,294
13Taylors$1,292
14Hilton Head Island$1,266
15Aiken$1,258
16Greer$1,254
17Mauldin$1,250
18Easley$1,233
19Greenwood$1,232
20Simpsonville$1,206

Recent South Carolina Car Insurance Questions and Answers

Can I sue someone for the damage their driveway caused?

Although their driveway was what caused the damage, it is the driver's responsibility to navigate slowly over bumps to avoid damage. So, in this case, the owner of the driveway wouldn't be considered at-fault or responsible for the damages.

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.

Can I suspend insurance on a vehicle I am financing?

The short answer is no for two big reasons. One; that's not how insurance works.

My dog was injured in a car accident, can I file a claim for his vet bills?

Insurance companies handle injuries to pets differently. Some consider your pet as your personal property and thus consider their injuries in your policy while others offer an additional Pet Injury Coverage or no coverage options at all.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.