Cheapest Auto Insurance in South Carolina (2025)
USAA offers the lowest car insurance quotes in South Carolina, with monthly liability rates of $61.
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Written bySarah Sharkey
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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 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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Reviewed byDaniel Roccato
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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.
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Data reviewed byKonstantin Halachev
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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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Table of contents
- Cheapest car insurance companies in SC
- Get cheap insurance in SC
- Liability-only car insurance in SC
- Full-coverage car insurance in SC
- SC car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
South Carolina is among the most expensive states in the country for car insurance. On average, Palmetto State drivers pay $253 per month for full-coverage car insurance and $174 for liability-only coverage, compared to the national averages of $193 and $107.
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 $3,041 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 |
|---|---|---|---|
| USAA | 9.1 | $99 | $61 |
| Progressive | 8.7 | $168 | $104 |
| Auto-Owners | 8.2 | $106 | $65 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
| 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. | 9.1 /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. | $61/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. | $99/mo |
4.9
Best choiceBased on 2,108 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
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
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,195)
William
Verified Review
May find more affordable.
Reviewed in Washington on July 2025
Great service, too high premiums.
Errin
Verified Review
They Could Do Better!
Reviewed in Florida on July 2025
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert
Verified Review
Personally beneficial
Reviewed in Maryland on July 2025
Very easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $104/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. | $168/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
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
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,935)
Alice
Verified Review
Hidden Charges
Reviewed in Texas on July 2025
The company has hidden charges that are not disclosed upfront.
Mamie
Verified Review
Beware
Reviewed in Florida on July 2025
Beware, they will add coverage and household members to your policy before contacting you and expect you to pay for it.
Ruth
Verified Review
Expensive Insurance
Reviewed in Illinois on July 2025
Big rate increases yearly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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
| User Reviews | 3.9 |
|---|---|
| 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. | 8.2 /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. | $65/mo |
3.9
A solid optionBased on 205 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
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
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (121)
Shontia
Verified Review
Okay Service
Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Roy
Verified Review
I don't have anything to add
Reviewed in Wisconsin on June 2025
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 $61 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $174 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $61 |
| Auto-Owners | $65 |
| State Farm | $67 |
| Nationwide | $99 |
| Progressive | $104 |
| Allstate | $105 |
| Travelers | $113 |
| State Auto | $137 |
| GEICO | $146 |
| Safeco | $150 |
| National General | $160 |
| Direct Auto | $165 |
| Root | $174 |
| Dairyland | $184 |
| The General | $192 |
| Liberty Mutual | $203 |
| Bristol West | $234 |
| GAINSCO | $240 |
| AssuranceAmerica | $254 |
| Hugo | $312 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $253 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $99 |
| Auto-Owners | $106 |
| State Farm | $109 |
| Nationwide | $161 |
| Progressive | $168 |
| Allstate | $170 |
| GEICO | $181 |
| Travelers | $183 |
| Safeco | $192 |
| State Auto | $222 |
| National General | $235 |
| Direct Auto | $236 |
| Root | $277 |
| Liberty Mutual | $305 |
| The General | $349 |
| AssuranceAmerica | $362 |
| Dairyland | $363 |
| Bristol West | $403 |
| GAINSCO | $418 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
Drivers using Insurify have found quotes as cheap as $65/mo for liability only and $109/mo for full coverage in South Carolina.
*Quotes generated for Insurify users within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 2025. 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 2025. 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]
Bodily injury liability
$25,000 per person
$50,000 per accident
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:
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.
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.
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.
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 $193 for a full-coverage policy. But drivers with a speeding ticket or DUI pay much higher full-coverage rates — $245 and $282, respectively.
)
Learn More: Cheap SR-22 Insurance for South Carolina Drivers
Find Car Insurance in South Carolina
Liability policies start at $71/mo. for drivers with moving violations
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $212 per month for liability coverage and $309 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $61 | $74 |
| Auto-Owners | $65 | $80 |
| State Farm | $67 | $81 |
| Nationwide | $99 | $121 |
| Progressive | $104 | $127 |
| Allstate | $105 | $128 |
| Travelers | $113 | $139 |
| State Auto | $137 | $169 |
| GEICO | $146 | $183 |
| Safeco | $150 | $188 |
| National General | $160 | $194 |
| Direct Auto | $165 | $202 |
| Root | $174 | $225 |
| Dairyland | $184 | $225 |
| The General | $192 | $247 |
| Liberty Mutual | $203 | $253 |
| Bristol West | $234 | $289 |
| GAINSCO | $240 | $280 |
| AssuranceAmerica | $254 | $299 |
| Hugo | $312 | $380 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $221 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $61 | $77 |
| Auto-Owners | $65 | $82 |
| State Farm | $67 | $84 |
| Nationwide | $99 | $126 |
| Progressive | $104 | $132 |
| Allstate | $105 | $132 |
| Travelers | $113 | $144 |
| State Auto | $137 | $175 |
| GEICO | $146 | $174 |
| Safeco | $150 | $200 |
| National General | $160 | $201 |
| Direct Auto | $165 | $215 |
| Root | $174 | $221 |
| Dairyland | $184 | $233 |
| The General | $192 | $253 |
| Liberty Mutual | $203 | $261 |
| Bristol West | $234 | $298 |
| GAINSCO | $240 | $296 |
| AssuranceAmerica | $254 | $304 |
| Hugo | $312 | $401 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $220 for liability insurance and $320 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $61 | $83 |
| Auto-Owners | $65 | $89 |
| State Farm | $67 | $91 |
| Nationwide | $99 | $135 |
| Progressive | $104 | $132 |
| Allstate | $105 | $143 |
| Travelers | $113 | $154 |
| State Auto | $137 | $187 |
| GEICO | $146 | $199 |
| Safeco | $150 | $214 |
| National General | $160 | $218 |
| Direct Auto | $165 | $225 |
| Root | $174 | $237 |
| Dairyland | $184 | $251 |
| The General | $192 | $262 |
| Liberty Mutual | $203 | $277 |
| Bristol West | $234 | $319 |
| GAINSCO | $240 | $327 |
| AssuranceAmerica | $254 | $346 |
| Hugo | $312 | $425 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $148 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $49 | $80 |
| Auto-Owners | $52 | $85 |
| State Farm | $52 | $85 |
| Nationwide | $75 | $122 |
| Allstate | $85 | $138 |
| Travelers | $89 | $144 |
| Progressive | $89 | $143 |
| State Auto | $105 | $170 |
| GEICO | $115 | $143 |
| National General | $123 | $181 |
| Safeco | $130 | $167 |
| Direct Auto | $130 | $186 |
| Root | $147 | $234 |
| Dairyland | $150 | $295 |
| The General | $155 | $281 |
| Liberty Mutual | $170 | $255 |
| Bristol West | $191 | $329 |
| AssuranceAmerica | $196 | $280 |
| GAINSCO | $200 | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $352 per month for a liability-only policy and $512 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: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $117 | $190 |
| Auto-Owners | $123 | $201 |
| State Farm | $132 | $215 |
| Nationwide | $200 | $325 |
| Progressive | $210 | $340 |
| Allstate | $215 | $348 |
| Travelers | $232 | $376 |
| GEICO | $273 | $339 |
| Root | $317 | $504 |
| Safeco | $321 | $410 |
| Dairyland | $322 | $636 |
| Direct Auto | $339 | $485 |
| National General | $340 | $499 |
| State Auto | $341 | $553 |
| The General | $346 | $629 |
| Liberty Mutual | $383 | $576 |
| Bristol West | $440 | $758 |
| GAINSCO | $470 | $818 |
| AssuranceAmerica | $525 | $748 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
- CityFull CoverageLiability Only
Charleston $270 $198 Columbia $287 $193 Florence $287 $201 Greenville $245 $172 Lancaster $257 $181 Lexington $266 $172 Myrtle Beach $215 $171 North Charleston $295 $208 Rock Hill $254 $182 Spartanburg $245 $170 Summerville $269 $203 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $253 for full-coverage car insurance and $174 for minimum coverage. By comparison, the national average rate for full coverage is $193 per month, and liability-only coverage costs $107 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 $61 per month.
Palmetto State drivers can also find affordable coverage through the state’s second- and third-cheapest insurance companies, Auto-Owners and State Farm. They have monthly liability-only rates of $65 and $67, 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 500+ 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
- 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.
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Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2022."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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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.
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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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.
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.