Compare the best rates from 9 car insurance companies 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.
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | The Hartford | $760 |
| 2 | USAA | $1,005 |
| 3 | State Auto | $1,116 |
| 4 | Auto-Owners | $1,130 |
| 5 | Southern Farm Bureau | $1,273 |
| 6 | Southern Farm Bureau | $1,273 |
| 7 | National Grange Mutual | $1,348 |
| 8 | Travelers | $1,370 |
| 9 | State Farm | $1,394 |
| 10 | Allstate | $1,605 |
| 11 | Progressive | $1,627 |
| 12 | Encompass | $1,674 |
| 13 | Nationwide | $1,796 |
| 14 | Safe Auto | $1,946 |
| 15 | GEICO | $2,021 |
| 16 | Dairyland | $2,412 |
| 17 | Bristol West | $2,444 |
| 18 | Liberty Mutual | $2,464 |
| 19 | Safeco | $2,717 |
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% |
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 |
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% |
Every car insurer boasts about its low rates. But just like with any service, the cheapest option isn't always the finest selection. 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) |
| Allstate | 3 | Superior |
| Auto-Owners | 5 | Superior |
| Bristol West | Not Rated | Excellent |
| GEICO | 3 | Superior |
| Liberty Mutual | 3 | Excellent |
| National Grange Mutual | Not Rated | Excellent |
| Nationwide | 4 | Superior |
| Progressive | 3 | Superior |
| Safeco | 3 | Excellent |
| Southern Farm Bureau | Not Rated | Superior |
| State Auto | Not Rated | Excellent |
| State Farm | 3 | Superior |
| The Hartford | 4 | Excellent |
| Travelers | 3 | Superior |
| USAA | 5 | Superior |
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 |
| South Carolina | $693.49 | $1,239.69 | $1,369.56 |
| National Average | $657.66 | $1,241.26 | $1,397.94 |
Liability coverage is legally required in South Carolina and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In South Carolina, the minimum is listed as 25/50/25 and explained below:
Uninsured Motorist coverage is legally required in South Carolina and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In South Carolina, the minimum is listed as 25/50/25 and explained below:
Yes. Car insurance is required by law in South Carolina.
Yes. Your driver's license status does not affect your need for car insurance. If you're driving a vehicle in South Carolina, it needs to be insured.
This depends on what your plan for the vehicle is, and on details of your insurance policy. If your vehicle has been totaled and you do not plan on replacing it, you can cancel the policy. Just be aware that if you do not have another vehicle on the policy, canceling coverage for the vehicle would cancel the coverage altogether.
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 Florence, South Carolina.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Florence | $1,285 |
| 2 | North Charleston | $1,275 |
| 3 | Goose Creek | $1,271 |
| 4 | Summerville | $1,265 |
| 5 | Charleston | $1,260 |
| 6 | Sumter | $1,227 |
| 7 | Socastee | $1,211 |
| 8 | Mount Pleasant | $1,201 |
| 9 | Columbia | $1,201 |
| 10 | Myrtle Beach | $1,198 |
| 11 | Saint Andrews | $1,172 |
| 12 | Hilton Head Island | $1,150 |
| 13 | Greenville | $1,122 |
| 14 | Greenwood | $1,121 |
| 15 | North Augusta | $1,117 |
| 16 | Rock Hill | $1,113 |
| 17 | Aiken | $1,108 |
| 18 | Spartanburg | $1,105 |
| 19 | Anderson | $1,105 |
| 20 | Taylors | $1,074 |
| 21 | Wade Hampton | $1,069 |
| 22 | Greer | $1,066 |
| 23 | Mauldin | $1,050 |
| 24 | Easley | $1,045 |
| 25 | Simpsonville | $1,029 |
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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:
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the South Carolina area, while also getting an insider view of the Palmetto State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to scholarships@thezebra.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2018
Winner(s) will be selected and notified by email by January 31st, 2019
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
Fine Print
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
