Are Auto Insurance Costs Rising or Falling in South Carolina?

The Zebra
May 31, 2019

Most drivers can attest to the fact insurance costs usually rise each year. But auto insurance pricing is complex: the reasons for rate hikes or price breaks are myriad, and vary based on the driver's location.

Location is one of the rating factors insurance companies use to set rates. The ZIP code, city, and state in which a car is stored and driven help decide car insurance rates, depending on state laws and the variable risk associated with insuring a vehicle in a particular area.

Because auto insurance pricing is so multi-faceted, yearly price trends vary by state. Car insurance prices might be increasing year-over-year in a state while they fall in a neighboring area.

See below trending auto insurance rates in South Carolina. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's auto insurance comparison engine provides quotes based on your details — enter your ZIP below to get started.


Car insurance rate trends in South Carolina


Average annual auto insurance premiums in South Carolina decreased by $42 over the past year. The typical driver in South Carolina faces an average rate of $1,369 per year.

The general trend in South Carolina is leaning toward pricier car insurance rates. Between 2015 and 2018, rates went up by $145 per year. Meanwhile, auto insurance costs across the United States have gone up recently, increasing from $1,280 in 2015 to $1,470 in 2018.


SOUTH CAROLINA CAR INSURANCE RATE TRENDS
YearAvg. Annual Premium — South CarolinaYearly Change — South CarolinaAvg. Annual Premium — USYearly Change — USA
2018$1,369-$42$1,470$32
2017$1,411$135$1,437$69
2016$1,276$52$1,368$88
2015$1,224$109$1,280$51
2014$1,115$71$1,229$34
2013$1,044-$129$1,195-$80
2012$1,173$5$1,276$82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are auto insurance rates trending in major cities in South Carolina?


Auto insurance policies are priced at a granular geographic level with many location-specific variables influencing premiums. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. For instance, Columbia drivers endured a larger yearly rate increase (2.9%) than did drivers in Greenville (2.6%) between 2018 and 2017.

See below annual rate changes in large South Carolina cities. If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.


CityAvg. Premium Increase — 2018 vs. 2017
Columbia2.9%
Greenville2.6%
Rock Hill2.6%
Charleston2.4%
Mount Pleasant2.1%

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