Cheapest Auto Insurance in South Carolina (2024)

USAA offers the lowest car insurance quotes in South Carolina, with monthly liability rates of $52.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 22, 2024

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Cheapest recent car insurance quotes in South Carolina

Recent South Carolina car insurance prices for Toyota, Dodge, GMC , and more.

*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

South Carolina is among the most expensive states in the country for car insurance. On average, Palmetto State drivers pay $276 per month for full-coverage car insurance and $168 for liability-only coverage, compared to the national averages of $202 and $105.

High rates of fatal crashes and insurance fraud likely contribute to South Carolina’s higher car insurance rates. If you’re looking for affordable car insurance in South Carolina, it’s a good idea to compare quotes from multiple companies.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in South Carolina.

  • South Carolina drivers pay an average of $3,316 per year for full-coverage car insurance.

  • In 2022, 1,094 people died in car crashes in South Carolina, according to an Insurance Institute for Highway Safety analysis of U.S. Department of Transportation data.[1]

3 of the cheapest car insurance companies in South Carolina

Some of the best car insurance companies in South Carolina offer consistently low quotes for a wide range of drivers. But every driver has a unique situation, which means the right auto insurance company for you varies based on your needs.

For example, if you have a speeding ticket or an accident on your record, you might find the best rates with a different insurer than if you had a clean record. But no matter your circumstances, you can start by researching the insurers highlighted below.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
USAA9.4$91$52
Progressive8.4$165$103
Auto-Owners8.5$97$56
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

USAA

USAA logo
User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$91/mo
4.9
Best choiceBased on 1,647 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (941)

Robert

December 21, 2024

Verified Review

Too costly

USAA just became too expensive. Every six months, the cost increased without any rise in benefits. I had to find cheaper insurance.

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA offers some of the lowest car insurance rates in South Carolina, making it a good option for the more than 402,000 veterans in the state. The company offers insurance exclusively to active-duty military members, veterans, and their families. Drivers can also score unique discounts, such as savings of up to 15% for garaging their car on a military base.

Pros
  • Many available discounts

  • Offers banking/investment products

  • Safe drivers can save up to 30% with the SafePilot program

Cons
  • Must be associated with the military to join

  • No live 24/7 customer services

  • Few in-person branch locations

Progressive

Progressive logo
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$103/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$165/mo
How drivers feel about Progressive

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,901)

Maureen

December 22, 2024

Verified Review

Fair

Too expensive.

Eric

December 21, 2024

Verified Review

Over 17 years as a customer. Not pleased with the rate hike.

The rates are too high.

Gary

December 21, 2024

Verified Review

Rating the Value of Progressive

Unfortunately, no one has been able to beat the prices. However, even after 15 years with no claims, prices continue to rise above the value of the vehicles!
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

South Carolina drivers can generally find low rates with Progressive, but the company’s many discounts could help reduce rates even more. The company has discounts for insuring multiple cars on the same policy, owning a home, driving safely, being a loyal customer, and more.

Pros
  • Many discounts

  • A+ (Superior) financial strength rating from AM Best

  • Relatively low premiums for senior drivers

Cons
  • No anti-theft equipment discount

  • Below-average J.D. Power customer satisfaction rating in the Southeast

  • Below-average J.D. Power claims satisfaction rating

Auto-Owners

Auto-Owners logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
4.0
Best choiceBased on 147 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners offers competitive rates for South Carolina drivers. It particularly stands out for the range of optional coverages it offers. Drivers can add roadside assistance, rental car coverage, gap coverage, rental auto gap, accident forgiveness, purchase price guarantee coverage, and more to their Auto-Owners policies.

Pros
  • Extensive list of add-on coverages available

  • Competitive rates for South Carolina drivers

  • A+ (Superior) financial strength rating from AM Best

Cons
  • Available in only 26 states

  • Negative customer reviews on Trustpilot

  • Below-average J.D. Power customer satisfaction rating in the Southeast

How to get the cheapest car insurance in South Carolina

Car insurance is an unavoidable cost, but you don’t need to overpay. Here are some strategies to help you lower your car insurance costs:

  • Raise your deductible. Carrying a higher deductible will generally lead to lower premiums because you’re assuming a greater portion of the up-front costs if you file a claim. Just make sure not to set your deductible so high you can’t afford to cover it.

  • Ask for a discount. Many insurance companies offer a suite of discount options, including those for safe drivers, students with good grades, and people who take an approved defensive driving course. You’ll never know what’s available if you don’t ask.

  • Improve your credit. Drivers with a good credit history pay less for car insurance because insurers view them as less likely to file a claim. You can start building better credit by paying your bills on time and not applying for any new lines of credit.

  • Shop around. Shopping around can also help you find affordable premiums, so get quotes from at least three different insurance companies before making a decision.

Low-cost car insurance in South Carolina

If you’re a low-income driver in South Carolina, consider comparing quotes from three to five insurers every six months to make sure you’re getting the best deal. South Carolina doesn’t have a low-income car insurance program.

Find Cheap Car Insurance in South Carolina

Liability rates start at $52 per month

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Based on 3,806+ reviews
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Cheapest liability-only car insurance quotes in South Carolina: USAA

Liability insurance helps you cover the cost of damage and injuries you cause in an accident and is often more affordable. But liability-only car insurance doesn’t cover the cost of repairs for your vehicle.[2]

In South Carolina, liability-only coverage costs an average of $168 per month.

In the table below, you can see the cheapest companies for liability coverage in the state.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
USAA$52
Auto-Owners$56
State Farm$57
GEICO$62
Nationwide$84
Allstate$89
Travelers$96
Progressive$103
Safeco$109
Root$113
State Auto$117
Direct Auto$154
National General$162
Dairyland$165
The General$189
Liberty Mutual$189
AssuranceAmerica$227
Bristol West$231
GAINSCO$240
Hugo$300
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in South Carolina: USAA

Full-coverage auto insurance goes beyond the minimum liability coverage to provide protection for your vehicle as well. This type of insurance is broken down into comprehensive coverage and collision coverage.

If you finance or lease your vehicle, your lender or dealership will probably require you to carry full-coverage insurance. You may also benefit from this increased protection if you have a newer vehicle that would be more expensive to replace.

South Carolina drivers pay an average of $276 per month for full-coverage policies.

Here’s a look at some of the leading insurance companies in South Carolina offering full-coverage car insurance.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Monthly Quote
USAA$91
Auto-Owners$97
State Farm$100
GEICO$108
Nationwide$147
Safeco$152
Allstate$156
Progressive$165
Travelers$168
Root$198
State Auto$204
National General$243
Direct Auto$253
AssuranceAmerica$306
Liberty Mutual$309
Dairyland$345
The General$369
Bristol West$406
GAINSCO$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in South Carolina

Recent South Carolina car insurance prices for Chevrolet, Dodge, Toyota , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

You must carry a minimum amount of car insurance to drive legally in South Carolina. Under South Carolina tort law, you’ll need to carry at least the minimum coverage outlined below.[3]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per accident

Many drivers purchase more than the state-minimum coverage to better protect their finances in case of an accident. These are some optional car insurance coverages to consider:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if a driver hits you and they either don’t have insurance or don’t have enough insurance to fully cover your damages.

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    Personal injury protection coverage

    Personal injury protection helps cover medical expenses for you and your passengers if you’re involved in an accident. It can also pay for non-medical expenses, like lost wages or child care costs.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    If you total your car or someone steals it, gap insurance can cover the difference between your insurance payout and your remaining loan balance.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    If your car breaks down, roadside assistance coverage can help you with things like tire changes, jump-starts, towing, and more.

Cheapest car insurance in South Carolina for drivers with an incident

Mistakes happen. But if you have an incident on your record — including at-fault accidents, speeding tickets, driving under the influence, and other moving violations — you’ll face higher auto premiums.[4] Insurance companies use your driving record as a factor when estimating your likelihood of filing a future claim.

For example, U.S. drivers with a clean record pay average monthly premiums of $202 for a full-coverage policy. But drivers with a speeding ticket or DUI pay much higher full-coverage rates — $281 and $333, respectively.

Learn More: Cheap SR-22 Insurance for South Carolina Drivers

Learn More: Cheap SR-22 Insurance for South Carolina Drivers

Find Car Insurance in South Carolina

Liability policies start at $63/mo. for drivers with moving violations

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Based on 3,806+ reviews
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Cheapest car insurance quotes for drivers with a speeding ticket: USAA

A speeding ticket will cost you. Beyond the ticket itself, you’ll likely pay higher insurance premiums, particularly if you have multiple speeding tickets.

South Carolina drivers with a ticket on their record pay an average of $227 per month for liability coverage and $373 per month for full coverage.

Here’s a look at the average monthly quotes South Carolina insurers offer for drivers with a speeding ticket and how they compare to rates for drivers with a clean record.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With Speeding Ticket
USAA$52$66
Auto-Owners$56$72
State Farm$57$72
GEICO$62$79
Nationwide$84$108
Allstate$89$113
Travelers$96$123
Progressive$103$130
Safeco$109$141
Root$113$155
State Auto$117$161
Direct Auto$154$197
National General$162$207
Dairyland$165$210
The General$189$246
Liberty Mutual$189$259
AssuranceAmerica$227$288
Bristol West$231$297
GAINSCO$240$329
Hugo$300$376
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

If you’ve had an at-fault car accident in the past, you’ll pay more pay more for car insurance than drivers with a clean record. Liability-only policies cost an average of $234 per month for South Carolina drivers with an at-fault accident.

Below are some average monthly quotes from insurers in South Carolina for drivers with an at-fault accident.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With Accident
USAA$52$69
Auto-Owners$56$75
State Farm$57$75
GEICO$62$83
Nationwide$84$113
Allstate$89$119
Travelers$96$129
Progressive$103$139
Safeco$109$145
Root$113$162
State Auto$117$169
Direct Auto$154$210
National General$162$215
Dairyland$165$218
The General$189$258
Liberty Mutual$189$269
AssuranceAmerica$227$295
Bristol West$231$308
GAINSCO$240$306
Hugo$300$427
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: USAA

Driving under the influence is a serious violation that comes with numerous legal and financial consequences, including higher car insurance costs. If you’re convicted of a DUI, you’ll pay more for car insurance than drivers with clean records or other incidents.

South Carolina drivers with a DUI pay monthly averages of $268 for liability insurance and $440 for full-coverage insurance, according to Insurify data.

Explore other average monthly rates for drivers with a DUI in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Avg. Quote With Clean Driving Record
Avg. Quote With DUI
USAA$52$84
Auto-Owners$56$91
State Farm$57$92
GEICO$62$101
Nationwide$84$136
Allstate$89$144
Travelers$96$156
Progressive$103$167
Safeco$109$159
Root$113$165
State Auto$117$190
Direct Auto$154$250
National General$162$263
Dairyland$165$268
The General$189$306
Liberty Mutual$189$306
AssuranceAmerica$227$368
Bristol West$231$375
GAINSCO$240$389
Hugo$300$486
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: USAA

Your driving history isn’t the only thing that affects your car insurance costs. Age can play a vital role as well — particularly if you’re a teen or a senior. In general, drivers pay more for car insurance until around age 25. But rates start to creep up again around age 70.

Senior drivers in South Carolina pay $138 per month for a liability-only policy, on average.

As a senior driver, shopping around can help you find the best rates for your age group, and you can see average rates from top insurers in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
USAA$41$72
Auto-Owners$44$76
State Farm$44$77
GEICO$49$86
Nationwide$62$109
Allstate$71$125
Progressive$74$119
Travelers$75$131
State Auto$87$152
Safeco$93$130
Root$95$166
Direct Auto$119$196
National General$123$185
Dairyland$131$274
The General$152$297
Liberty Mutual$157$257
AssuranceAmerica$171$230
Bristol West$184$324
GAINSCO$200$358
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: USAA

Car insurance is notoriously high for young drivers because these less-experienced motorists are statistically more likely to get into serious accidents and file a claim.

Teen drivers in South Carolina pay an average of $314 per month for a liability-only policy and $516 per month for a full-coverage policy.

If you’re a teen looking to cut expenses, some ways to trim your car insurance costs include staying on your parents’ insurance, driving a safe vehicle, maintaining good grades, and raising your deductible.

Comparing quotes can also help you find a more affordable rate. You can see average monthly quotes from several South Carolina insurers below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
USAA$92$161
Auto-Owners$99$171
State Farm$103$181
GEICO$105$183
Nationwide$155$271
Allstate$167$293
Root$178$312
Travelers$183$320
Progressive$189$304
Safeco$217$302
State Auto$218$381
Dairyland$279$584
Direct Auto$295$485
The General$316$618
National General$333$500
Liberty Mutual$340$555
Bristol West$409$719
GAINSCO$434$776
AssuranceAmerica$437$589
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

South Carolina car insurance quotes by credit tier

South Carolina allows insurance companies to consider your credit history when determining your premiums. Drivers with excellent or good credit pay lower rates than drivers with poor credit.

You can improve your credit by paying your bills on time and not applying for any new lines of credit. Reviewing your credit report to look for mistakes, using a secured credit card, and aiming to use 30% or less of your available credit on any account can also help you improve your credit and lower the cost you pay for insurance.

Car Insurance Quotes by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance rates across South Carolina cities

Your geographical location, and its associated weather patterns, traffic levels, and vehicle crime rates, affects your car insurance rate. That’s why car insurance rates in South Carolina change based on the city you live in. Check out the table below for a closer look at the average car insurance rates for drivers in each South Carolina city.

South Carolina car insurance FAQs

If you still have questions regarding how to find the best car insurance in South Carolina, the information presented here can help.

  • How much is car insurance in South Carolina?

    South Carolina drivers pay an average monthly rate of $276 for full-coverage car insurance and $168 for minimum coverage. By comparison, the national average rate for full coverage is $202 per month, and liability-only coverage costs $105 per month.

  • Which company has the cheapest car insurance rates in South Carolina?

    Insurify data shows that USAA is the cheapest insurer in South Carolina, with liability-only rates as low as $52 per month.

    Palmetto State drivers can also find affordable coverage through the states second- and third-cheapest insurance companies, Auto-Owners and State Farm. They have monthly liability-only rates of $56 and $57, respectively.

  • Can you get cheap car insurance with no deposit in South Carolina?

    No. Your insurer will require some form of deposit or down payment up front before selling you a policy. This payment will typically be a percentage of your premium rather than a separate fee.

  • Do you need uninsured motorist coverage in South Carolina?

    Yes. South Carolina law requires that you purchase uninsured motorist coverage, as well as liability coverage, in order to drive in the state.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Institute for Highway Safety. "Fatality Facts 2022."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. South Carolina Department of Insurance. "Automobile Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Sarah has been a contributor at Insurify since September 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor
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  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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