How Much Does Car Insurance Cost in South Carolina?

The Zebra
Feb. 7, 2019

Car insurance policies are affordable in South Carolina. The average car insurance rate in South Carolina is $1,361 per year — 4.6% less than the US average.

But auto insurance prices are impacted by factors other than the state in which you live. Auto insurance premiums consider a number of factors, such as your age, gender, marital status, credit rating, and driving history.

We analyzed typical South Carolina auto insurance premiums by each of the major rating factors. Read on to see how much car insurance costs in your state — or enter your zip code to see personalized quotes from top insurance companies.


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Average South Carolina car insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Rates in South Carolina by Age Group

It's a common phenomenon: as you age, your auto insurance rates shift. Generally, car insurance is more costly for young drivers and teens, as auto insurance companies see inexperienced motorists as less responsible.

In South Carolina, car insurance costs $6,372 per year for a 16-year-old driver, but only $1,246 yearly for a driver in their 50s.


SOUTH CAROLINA AUTO INSURANCE PRICES BY AGE
AgeAverage Yearly Premium
16$6,372.08
17$5,273.78
18$4,620.39
19$3,189.60
20s$1,874.83
30s$1,350.30
40s$1,312.46
50s$1,245.54
60s$1,282.75
70s$1,540.68

If you're shopping for car insurance for a teen driver, South Carolina is the 29th cheapest state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Costs in South Carolina by Gender

While gender does not make as large an effect on auto insurance premiums as a driver's location or age, it is utilized as a pricing factor by car insurance companies.


SOUTH CAROLINA CAR INSURANCE RATES BY GENDER
GenderAverage Yearly Premium
Male$1,367.34
Female$1,325.27

If you're concerned about getting the best possible value for your money with your current car insurance company, the best thing to do is to shop around.




Average Car Insurance Premiums in South Carolina by Marital Status

One pro of getting hitched — in addition to the honeymoon — is the lower prices you often get on your car insurance policy. In South Carolina, married drivers save $68 annually on auto insurance. This is a smaller discount than the national average of $76.


SOUTH CAROLINA AUTO INSURANCE PRICES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,367.34
Married$1,299.61
Divorced$1,367.34
Widowed$1,340.93

Car insurance for divorced drivers in South Carolina is the 23rd most expensive in the US. If you're paying too much for your policy, consider doing some comparison shopping. You never know when you might find a great deal!


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Average Auto Insurance Rates in South Carolina by Credit

Car insurers use credit history to get an idea of how reliable a prospective customer will be. Historical trends show drivers who hold good credit scores are often more reliable auto insurance clients: they less commonly file claims, saving insurance companies claims payout costs.

In South Carolina, a motorist who has exceptional credit saves $1,535.16 per year in auto insurance premiums, contrasted with a driver who has a low credit score. Learn more about how credit history can impact auto insurance rates:


SOUTH CAROLINA AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit LevelAverage Annual Rate
Very Poor (300-579)$2,760.99
Fair (580-669)$2,168.17
Good (670-739)$1,708.44
Very Good (740-799)$1,423.07
Exceptional (800-850)$1,225.83

Finding cheap auto insurance when you have a poor credit score can be tricky. But we're here to provide some help. Read our guide to finding car insurance with poor credit and start saving!




Average Car Insurance Costs for High-Risk Drivers in South Carolina

If you are discovered to be at fault in a car accident or convicted of a driving violation, your auto insurance premiums are bound to climb. The more violations you accumulate, the more costly your auto insurance gets.

In South Carolina, your first minor at-fault accident leads to a penalty of $633.77 per year in auto insurance premiums. A DUI — among the most serious driving offenses — may lift your insurance rates in South Carolina by as much as $704.00.


SOUTH CAROLINA CAR INSURANCE RATES AFTER DRIVING OFFENSES
AgeAverage Annual Rate
DUI or DWI$2,065.13
Reckless Driving$2,127.00
At-Fault Accident (<$1,000)$1,994.90
At-Fault Accident ($1,000-$2,000)$1,988.98
At-Fault Accident (>$2,000)$1,994.90
Open Container$1,789.49
Speeding (21-25 MPH > limit)$1,631.70
Speeding (16-20 MPH > limit)$1,631.70

If you're facing above-average car insurance payments, it's worth shopping to get cheap coverage that covers your vehicle appropriately.




Median Auto Insurance Prices by Coverage Level in South Carolina

How much you're charged each month for car insurance depends on the level of coverage you elect to carry. Liability-only coverage typically costs less, while lower-deductible comprehensive coverage costs more. In South Carolina, the cost difference between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $664.


SOUTH CAROLINA CAR INSURANCE COSTS BY COVERAGE TIER
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$788
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,314
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,448
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$682
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,208
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,341
State Minimum — Liability Only$596
State Minimum — $1,000 Comprehensive/Collision$1,126
State Minimum — $500 Comprehensive/Collision$1,260

If your premiums are above-average, consider policy shopping to find inexpensive coverage that fits your budget.