What's the Average Cost of Car Insurance in South Carolina?

The Zebra
Oct. 11, 2018

Auto insurance is relatively cheap in South Carolina. The average car insurance price in South Carolina is $1,361 annually — 4.6% less than the national average.

Your car insurance costs are impacted by more than just your location. Car insurance premiums take into account an array of considerations, such as one's age, gender, marital status, credit rating, and driving history.

We assessed average South Carolina auto insurance rates by all of the primary rating qualifications. See below how much car insurance costs in each state — or enter your zip code to receive tailored prices from popular car insurance companies.


Average Auto Insurance Premiums in South Carolina by Age

It’s a fact of life: as you age, your auto insurance rates shift. Typically, auto insurance is pricier for young drivers, as insurers see inexperienced motorists as more risky.

In South Carolina, car insurance runs $6,372 each year for a 16-year-old driver, versus $1,246 annually for a driver in their 50s.


SOUTH CAROLINA AUTO INSURANCE RATES BY AGE BRACKET
AgeAverage Yearly Rate
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



Average Auto Insurance Costs in South Carolina by Gender

While gender doesn’t make as large an effect on car insurance rates as location or age, it is incorporated as a rating factor. Women pay less than do men for auto insurance in South Carolina, but the difference is only $42.07 annually.

SOUTH CAROLINA CAR INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Cost
Male$1,367.34
Female$1,325.27



Mean Car Insurance Premiums in South Carolina by Marital Status

One benefit of nuptials — aside from the wedding gifts — is the lower prices you may get on your auto insurance. In the state of South Carolina, married drivers save $68 per year on auto insurance policies. This is less than the US savings of $76.


SOUTH CAROLINA CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,367.34
Married$1,299.61
Divorced$1,367.34
Widowed$1,340.93



Average Auto Insurance Costs in South Carolina by Credit Score

Car insurance underwriters use credit score as a way of determining how responsible a customer will be. Data show drivers with excellent credit histories are more dependable auto insurance customers: they less frequently file claims insurance companies are compelled to repay.

In South Carolina, a driver who holds unblemished credit can save $1,535.16 per year in auto insurance premiums, contrasted with a driver saddled with a poor credit score. Read more about how credit history impacts auto insurance prices:


SOUTH CAROLINA AUTO INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Annual Premium
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



Typical Car Insurance Premiums for Bad Drivers in South Carolina

If you’re determined to be at fault for an accident or convicted of a vehicular offense, your auto insurance rates are going to grow. The more violations you accumulate, the more expensive your car insurance becomes.

In South Carolina, your first minor at-fault accident will cost you $633.77 per year in auto insurance payments. A DUI — among the most grievous driving infractions — will raise your yearly insurance rates in South Carolina by an average of $704.00.


SOUTH CAROLINA AUTO INSURANCE COSTS AFTER VIOLATIONS
AgeAverage Annual Premium
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, consider weighing rates to discover cheap coverage that fits your needs.


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