Cheapest Car Insurance in South Carolina

Here are the cheapest carriers in South Carolina for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in South Carolina.

Companies Quotes
Direct General

Direct General

$64 /mo
State Farm

State Farm

$73 /mo


$87 /mo


$89 /mo


$110 /mo

Best Car Insurance in South Carolina

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in South Carolina. For the complete list, see Insurify's best car insurance companies.

Companies Insurify
Composite Score

American Family

$147 /mo


$110 /mo


$87 /mo


$132 /mo

State Farm

$73 /mo

Liberty Mutual

$196 /mo


$89 /mo

Car Insurance in South Carolina

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in South Carolina to find you the cheapest quotes in each of these metropolitan areas.

South Carolina's capital city is also its most populous: Columbia, with a population of over 130,000 people. Lawmakers there are currently considering legislation that would make driving while holding a cell phone illegal throughout that state.

South Carolina Driving Facts

South Carolina legislators are currently considering to bring into effect a "hands-free" bill, making it illegal for drivers to hold phones will operating a moving vehicle. Such a law would follow the state of Georgia's lead. The state's police forces are also trying to crack down on speeders through participation in Operation Southern Shield, which hopes to reduce speed-related fatalities in the speedy state.

South Carolina's minimum liability car insurance limits are as follows:

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in South Carolina

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

South Carolina has mandated a number of environmentally friendly green vehicle laws. The state government has put into place regulations for low-speed vehicle operations, diesel vehicles, and alternative fuels. The state of South Carolina offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

green city award

Myrtle Beach

most patriotic
% of Hybrids/Electrics 2%

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Beaufort won Insurify's Most Patriotic Cities Award for the state of South Carolina. Its business district is located just southeast of Marine Corps Air Station Beaufort.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in South Carolina is vital for all car insurance shoppers hitting the road in The Palmetto State.

Road Rankings

10% Rural Roads in
Poor Condition

#18 Ranked

11% Structurally Deficient
Rural Bridges

#8 Ranked

2% Fatality Rate per 100M VMT
on Rural Roads

#1 Ranked