Find affordable insurance that works for you in South Carolina. Compare quotes from over 100 top companies.
Compare quotes from over 30 insurance companies that provide coverage throughout South Carolina. Enter your ZIP code below to get started.
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%|
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|
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|
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 Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Bristol West||Not Rated||Excellent|
|National Grange Mutual||Not Rated||Excellent|
|Southern Farm Bureau||Not Rated||Superior|
|State Auto||Not Rated||Excellent|
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.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In South Carolina, the state minimum coverage requirements are as follows:
The DUI lookback period in South Carolina is 10 years. Multiple DUI offenses within a decade result in harsher penalties. Penalties are also enhanced for any DUI that leads to injury or death. DUI penalties in South Carolina are also increased for DUI with a passenger under 16 years old.
First-time DUI offenses in South Carolina lead to:
If you get a ticket, your auto insurance rates will probably rise. By how much depends on the violation, your insurance company's pricing strategy, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of average auto insurance rates in South Carolina after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,195||60%||$826|
|Refused Breathalyzer/Chemical Test||$2,125||55%||$756|
|Driving with a Suspended License||$2,103||54%||$734|
|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|
|Following Too Closely||$1,667||22%||$298|
|Failure to Stop at a Red Light||$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|
|Driving with Expired Registration||$1,602||17%||$234|
|Failure to Show Documents||$1,602||17%||$234|
|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|
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.
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.
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.
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|
|14||Hilton Head Island||$1,266|