Temporary Auto Insurance in South Carolina

Find out more about the pros and cons of short-term car insurance policies in the Palmetto State.

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If you're considering a short-term car insurance contract, be aware that short-term car insurance agreements are uncommon

Some large car insurance companies don't offer policies shorter than six months. Since car insurance is required by law in most US states, swapping policies by the month can be risky. You also run the risk of creating holes in your insurance history if you swap policies often, leading to more expensive prices in the long run.

Thankfully, car insurance policies usually run for just six months. This short duration allows auto insurance companies to re-rate — or re-price — your costs with your updated driving history and personal info.

The six-month mark also serves as the perfect opportunity to reevaluate your situation by considering other car insurers. Finding quotes online is quick, and there is no penalty for switching insurance companies when your policy ends — or even mid-term, as long as your coverage doesn't lapse.

The short-term nature of auto insurance makes it relatively easy to acquire with limited advance notice. If you need an insurance policy before you can drive a new car off of the lot, shopping for a policy for a long-term auto rental or searching for coverage for a car you don't own but drive more than occasionally, think about purchasing a policy and cutting the term short as needed.


Temporary auto insurance in South Carolina

See below typical auto insurance costs in South Carolina, ordered by major insurance companies and cities. If your bills exceed the rates below, consider other options.

Insurance CompanyAverage 6-Month RateAverage Monthly Rate
South Carolina State Average — All Companies$707$118
State Farm$708$118
Southern Farm Bureau$793$132
National Grange Mutual$805$134

The most budget-friendly option for single-month auto insurance in South Carolina is USAA, with whom you can save $8 per month, compared to the next-best company, State Farm. In South Carolina, the average monthly cost of auto insurance is $118, or $707 over a six-month contract.

Where you live can have as large an effect on your auto insurance rates as the insurance company you choose. Car insurance companies consider the density and likelihood of a claim being filed when pricing policies by ZIP. Check out insurance rates in the biggest cities in South Carolina and compare them to the amount you pay.

LocationAverage 6-Month RateAverage Monthly Rate
North Charleston$754$126
Mount Pleasant$673$134
Rock Hill$717$119

Because of the myriad factors involved in setting insurance rates, your quotes may not match those displayed above. If your current rates don’t align with those listed above, take some time to compare rates. The short-term timetable of an auto insurance policy adds to the importance of staying informed and ready to shop.

Find out more about temporary auto insurance or use our search function to compare quotes for free today.


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Ava Lynch
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Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.