Car Insurance for Good Drivers in South Carolina

The Zebra
July 15, 2019

Car insurance for good drivers in South Carolina

Some of the factors contributing to car insurance rates are out of your hands: your age, location, and gender are common rating factors over which you don’t have much of a say. There are, however, a few factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Car insurance companies offer lower rates to drivers who pose the least risk, so low-risk driving behaviors can lead to a price cut.

See below rates from top companies for low-risk drivers in South Carolina.

Car insurance rates for drivers with no citations in South Carolina

One of the easiest ways to pay less for auto insurance is to keep your driving record clean. Auto insurance companies view safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you're free of tickets, start your search for car insurance with USAA, with average annual premiums totaling $1,249. That comes out to $861less than the average car insurance rate for citation-free drivers in South Carolina.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN SOUTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,249
State Auto$1,400
Progressive$1,412
National Grange Mutual$1,443
State Farm$1,500
Allstate$1,540
Southern Farm Bureau$1,593
Nationwide$1,669

Car insurance rates for drivers with high credit ratings in South Carolina

Auto insurance companies reward clients who maintain a solid credit history. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your best auto insurance option in South Carolina could be USAA, offering an average annual rate of $1,249. If your credit score is in the “excellent” range, USAA might be a smart place to start your search. USAA's prices for drivers who have credit scores of 800 or better are $163 per year less than the average car insurance rate for drivers with excellent credit in South Carolina.

Find below a breakdown of auto insurance rates in South Carolina for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN SOUTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,249
State Auto$1,400
Progressive$1,412
National Grange Mutual$1,443
State Farm$1,500
Allstate$1,540
Southern Farm Bureau$1,593
Nationwide$1,669

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN SOUTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,130
Progressive$1,259
State Auto$1,287
National Grange Mutual$1,306
State Farm$1,346
Allstate$1,475
Southern Farm Bureau$1,508
Nationwide$1,570

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN SOUTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,014
National Grange Mutual$1,099
Progressive$1,105
State Auto$1,127
State Farm$1,213
Allstate$1,320
Southern Farm Bureau$1,386
Nationwide$1,502

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Car insurance for occasional drivers in South Carolina

The less you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a South Carolina driver who doesn't rack up major mileage, consider USAA, offering average annual savings of $1,036 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN SOUTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,074
Allstate$1,338
State Farm$1,364
State Auto$1,400
Progressive$1,412
National Grange Mutual$1,443
Southern Farm Bureau$1,593
Nationwide$1,669

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Car insurance rates for good drivers in South Carolina — in major cities

Car insurance rates don't depend only on the state in which a driver resides — their city and ZIP code matter, too. Insurance companies price policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a breakdown of car insurance rates for drivers with positive rating factors in five of the most populous cities in each US state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Greenville$1,662$1,662$1,487$1,387$1,446
Mount Pleasant$1,710$1,710$1,535$1,427$1,559
Rock Hill$1,762$1,762$1,581$1,472$1,555
Columbia$1,841$1,841$1,648$1,533$1,634
Charleston$1,860$1,860$1,666$1,549$1,668

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