Cheap South Carolina Car Insurance

Compare the best rates from 10 car insurance companies in South Carolina.

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.

Cheap Car Insurance

It's cheap to get car insurance in South Carolina!

Whoa! South Carolina is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since South Carolina might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in South Carolina?
Rank Company 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 SC Farm Bureau Mutual $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 Bristol West $2,444
17 Liberty Mutual $2,464
18 Safeco $2,717

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 $271 16.54%
No Accidents $628 31.46%
Good Credit $1,394 50.48%

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.

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 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 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%
Car Insurance Laws

State minimum insurance requirements in South Carolina

In South Carolina, the state minimum coverage requirements are as follows:
Liability
Uninsured Motorist
Optional coverage in South Carolina (varies by carrier):

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:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

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:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

$25,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.

These numbers reflect the minimum limits required in South Carolina but higher coverage amounts are available with most companies.

Top South Carolina Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in South Carolina.

Car Insurance FAQs

Are digital insurance cards accepted in South Carolina?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in South Carolina you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in South Carolina?

Uninsured Drivers in South Carolina
South Carolina

8%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 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

Recent South Carolina Car Insurance Questions and Answers

Car got stolen and only have gap insurance

May 04, 2018

My insurance lapsed. The only coverage I currently have is Gap insurance put on by my bank. What do I ...

Am I covered if I insure the vehicle but I’m not listed on the vehicle

Apr 19, 2018

Our car was purchased in SC, but it’s registered to someone who lives in IL. The dealership here sent all ...

Do I tell my insurance company about a recall

Mar 28, 2018

I got a letter about a damaged airbag recall should I let my insurer know?...

How long do I have to file a claim if I am the passenger in a car accident?

Feb 16, 2018

Twenty year old passenger in a vehicle that was hit from the rear. ...

Driving Laws

South Carolina Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

357

Per Year in South Carolina
Annual DUI Arrests
South Carolina
14,742
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

South Carolina Tour Guide Scholarship

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.

Prompt

So, South Carolina 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.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

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.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.