South Carolina Auto Insurance with Bad Credit

The Zebra
March 12, 2019

It can be tough to find cheap car insurance if you have bad credit. Car insurance companies use credit score as a primary rating factor, assigning premiums based in part on clients' credit histories. Since auto insurance companies rely on data showing drivers with bad credit have a greater likelihood of filing car insurance claims, they compensate for this risk by charging more expensive rates.

How much you pay for car insurance with bad credit depends on which company you choose, where you live, and a few other rating factors. We've gathered on this page average insurance prices for drivers with bad credit in major South Carolina cities and rates from large insurance companies, , along with tips on saving on car insurance with bad credit in South Carolina.


Auto insurance with bad credit in South Carolina:

  1. Average premiums
  2. Prices by city
  3. Costs by carrier

Auto insurance rates with bad credit in South Carolina

South Carolina drivers pay a penalty of $1,765 annually for having a credit score in the “worst” tier. Drivers in the "poor" or "below fair to poor" credit tiers will also face a penalty.


SOUTH CAROLINA AUTO INSURANCE PRICES WITH BAD CREDIT

Credit TierAverage Annual Rate in South Carolina
Worst$3,127
Poor$2,733
Below Fair to Poor$2,395
Average — All Credit Tiers$1,361

Looking for a more affordable policy? Get quotes now!


Car insurance rates with bad credit in South Carolina cities

Your auto insurance rates will also vary depending on the precise area where you park your car. Insurance companies use your ZIP code to estimate your odds of filing a claim: the more claim-prone your area,, the more expensive your rates will be.

Listed below are major South Carolina cities and their average auto insurance rates for those with bad credit.


BAD CREDIT CAR INSURANCE RATES IN SOUTH CAROLINA CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Columbia$3,111$2,724$2,393
Charleston$3,181$2,783$2,441
North Charleston$3,280$2,866$2,510
Mount Pleasant$3,004$2,638$2,320
Rock Hill$2,844$2,493$2,185

Want to save on insurance? Compare rates from top insurance companies today!


Cheap car insurance companies for bad credit in South Carolina

Another contributing factor to your premium is the company you choose. Each and every car insurance company rates policies differently, giving rating factors varying weights in their pricing calculations. Credit score can be a primary price differentiator from one insurance company to the next. In South Carolina, the most affordable insurance company for drivers with bad credit is Nationwide, which offers a premium cut of $557 annually over the second-cheapest company, Allstate.

See premiums from major auto insurance companies in South Carolina for drivers with bad credit.


SOUTH CAROLINA CAR INSURANCE PREMIUMS WITH BAD CREDIT — TOP CARRIERS

CompanyAverage Annual Rate — Worst Credit Tier
Nationwide$1,806
Allstate$2,363
Progressive$2,911
GEICO$3,026
State Farm$3,094

If you’re facing the prospect of purchasing auto insurance with bad credit, keep these tips in mind:

  1. Get auto insurance quotes
  2. Be smart with your claims
  3. Know what goes into car insurance rates