Cheapest Car Insurance Quotes in South Carolina

Cheapest car insurance quotes in South Carolina

The cheapest auto insurance companies in South Carolina include USAA, Auto-Owners, and State Farm. You can compare car insurance quotes in South Carolina from these and more of the cheapest insurers in the table below.

These quotes reflect premiums for drivers with a clean driving record, good credit history, and no recent claims. But the quotes you’ll ultimately receive will vary, depending on factors like your ZIP code, age, vehicle type, driving record, deductible, and coverage limits.

Here are average liability and full-coverage rates from several of the cheapest insurers across the Palmetto State.

The below rates in South Carolina are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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: Liability Only	Average Monthly Quote: Full Coverage
USAA	$72	$119
Auto-Owners	$78	$128
State Farm	$81	$132
GEICO	$110	$167
Progressive	$124	$196
Travelers	$134	$221
Safeco	$144	$185
Allstate	$149	$239
Direct Auto	$158	$249
State Auto	$163	$268
National General	$164	$250
Root	$172	$262
GAINSCO	$173	$319
AssuranceAmerica	$187	$267
The General	$187	$400
Liberty Mutual	$189	$310
Dairyland	$190	$378
First Acceptance	$210	$339
Bristol West	$255	$434

Disclaimer: Table data sourced from real-time South Carolina car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in South Carolina may vary based on the policy buyer's unique driver profile.

Best-rated insurance companies in South Carolina

Here are a few of the best insurers in South Carolina, based on real reviews from Insurify customers, financial strength ratings, and ratings from third-party sources such as J.D. Power.

We’ve identified the best car insurance company in South Carolina for four different categories: full coverage, minimum coverage, savings, and customer service.

Best for full coverage: GEICO

full coverage

Compare Quotes

User Reviews	4.0 20,494 reviews
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.	9.2 /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.	$110/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.	$167/mo

Details

4.0

Best choice in South CarolinaBased on 20,494 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

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Best in South Carolina for

Teen drivers

Cheap rates

Accident forgiveness

Showing 31 reviews from South Carolina driversSee all 8,136 GEICO reviews

Linda

Verified Review

Left on the road

Reviewed in South Carolina on September 5, 2026

I’ve been left on the road twice. They said someone was coming, but I waited for hours and nobody came.

Michael

Verified Review

Good service once you get past all the mobile notifications

Reviewed in South Carolina on August 28, 2026

GEICO is good.

Jacqueline

Verified Review

GEICO is charging me a lot more than the quotes I’ve gotten from other companies, so I’m looking to switch.

Reviewed in South Carolina on August 18, 2026

GEICO is charging me a lot more than the quotes I’ve gotten from other companies, so I’m looking to switch.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

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

GEICO has some of the most affordable full-coverage premiums in South Carolina. It’s a good choice for drivers seeking additional coverage for their vehicles to protect against the state’s severe weather risks, such as coastal and inland flooding.

GEICO advertises a long list of discounts, including good student, homeowner, and good driver discounts, for many types of drivers in the state.

Pros

• Competitive full-coverage rates in South Carolina

• Highly rated mobile app to manage policy and claims

• Offers a mechanical breakdown insurance add-on

Cons

• Limited local agents in the state

• Low Trustpilot rating 

• Much higher average premiums for drivers with poor credit

Best for minimum coverage: State Farm

minimum coverage

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User Reviews	4.1 20,881 reviews
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.	9.3 /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.	$81/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.	$132/mo

Details

4.1

Best choice in South CarolinaBased on 20,881 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

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Best in South Carolina for

Customer service

Competitive rates

Discounts for safe drivers

Showing 44 reviews from South Carolina driversSee all 8,070 State Farm reviews

Donald

Verified Review

My new Kia is six months old, and I just found out that I don’t have full coverage.

Reviewed in South Carolina on September 4, 2026

Not satisfied with my State Farm coverage. My new Kia is six months old, and I just found out that I don’t have full coverage.

Shajobia

Verified Review

Happy Customer

Reviewed in South Carolina on July 22, 2026

My experience was pretty good.

Thomas

Verified Review

SF

Reviewed in South Carolina on July 17, 2026

Expensive.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

State Farm offers some of the lowest rates for liability-only insurance in South Carolina. Plus, local agents operate in more than 100 cities throughout the state.

Pros

• Large agent network across South Carolina

• May earn cheaper coverage through its Drive Safe & Save program

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

Cons

• Poor Trustpilot rating

• Doesn’t offer gap insurance

• Drivers with violations may find lower premiums elsewhere

Best for savings: Progressive

savings

Compare Quotes

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.	$124/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.	$196/mo

Details

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.

Based on analysis of verified reviews collected by Insurify

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Best in South Carolina for

Competitive rates

Easy buying process

Telematics program

Showing 64 reviews from South Carolina driversSee all 9,023 Progressive reviews

Priscilla

Verified Review

Pretty Decent

Reviewed in South Carolina on August 21, 2026

They’re okay. My driving record is pretty good, so they’re not bad as far as insurance companies go.

Dwayne

Verified Review

Poor

Reviewed in South Carolina on August 10, 2026

Try to pay your policy for the entire year. Beware of sudden changes from the underwriters.

Karen

Verified Review

Excellent

Reviewed in South Carolina on August 7, 2026

Very easy to interact with.

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

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

Progressive is an affordable car insurance option for South Carolina drivers. Its auto insurance discounts and loyalty rewards program can also help you save on your coverage. Progressive has more than a dozen discount opportunities, including safe driver discounts for three and five years of remaining accident-free.

Pros

• Wide range of advertised discounts

• Accident forgiveness available

• Name Your Price tool can help you find a budget-friendly policy

Cons

• Discount availability may vary by state

• Snapshot program can lead to higher premiums for risky driving

• Full-coverage rates increase significantly after an accident

Best for customer service: Allstate

customer service

Compare Quotes

User Reviews	3.8 12,147 reviews
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.	8.9 /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.	$149/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.	$239/mo

Details

3.8

A solid option in South CarolinaBased on 12,147 verified driver reviews and ratings

	Allstate's score	Industry average
Coverage options	3.8	3.2
Customer service	3.9	3.6
Discounts	3.8	2.9
Policy transparency	3.7	3.1
Value	3.3	2.9

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

Based on analysis of verified reviews collected by Insurify

---

Best in South Carolina for

Accident forgiveness

Wide availability

Cheap rates

Showing 31 reviews from South Carolina driversSee all 4,678 Allstate reviews

Debra

Verified Review

Car insurance

Reviewed in South Carolina on August 19, 2026

It’s expensive.

Howard

Verified Review

Allstate Is Too Expensive

Reviewed in South Carolina on July 25, 2026

Allstate is too expensive, and agent access is useless.

Alejandro

Verified Review

Farnsworth Allstate Agency — the real good hands people!

Reviewed in South Carolina on July 14, 2026

Justin Farnsworth, the owner and agent, is always ready to answer any questions. His employees are always willing and ready to help and answer any questions or claims. I’m glad I picked Farnsworth Allstate Agency three years ago.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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

You can find Allstate’s car insurance agents in more than 60 South Carolina cities, including Columbia, Fort Mill, and Myrtle Beach. You can work with a local agent or get a car insurance quote online.

Pros

• 24/7 customer service available

• Potential savings through its Drivewise telematics program

• Offers coverage for rideshare drivers and people with classic and electric cars

Cons

• Doesn’t offer the cheapest rates in the state

• Fewer discounts than competitors 

• Low Trustpilot rating 

How much is car insurance in South Carolina?

Annual average car insurance costs in South Carolina are roughly $1,913 for minimum-coverage car insurance and $3,072 for full coverage. Both figures are higher than the national annual averages of $1,181 and $2,241, respectively.

South Carolina’s higher premiums are likely due to heavy traffic congestion in places like Charleston and Columbia, as well as its higher-than-average rate of traffic fatalities. South Carolina ranks 4th in the U.S. for motor vehicle crash deaths by state, at nearly 19 deaths per 100,000 people, compared to nearly 12 nationwide.^[1]

Find Cheap South Carolina Car Insurance

Liability policies average $159/mo.

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4.7 out of 5 based on 16,980 reviews

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Average car insurance quotes in South Carolina cities

The table below shows how car insurance premiums in South Carolina vary by city.

The below rates in South Carolina are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Hilton Head Island	$131	$214
Fort Mill	$134	$230
Aiken	$136	$218
Anderson	$140	$234
Greer	$142	$221
Bluffton	$148	$235
Lexington	$150	$247
Rock Hill	$152	$254
Spartanburg	$152	$243
Greenville	$155	$241
Myrtle Beach	$158	$242
Sumter	$165	$276
Lancaster	$169	$293
Conway	$172	$255
Columbia	$176	$288
Florence	$178	$296
Charleston	$183	$297
Summerville	$186	$292
North Charleston	$202	$292

Disclaimer: Table data sourced from real-time South Carolina car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in South Carolina may vary based on the policy buyer's unique driver profile.

Due to the higher risk of car accidents and theft, densely populated areas like North Charleston, Summerville, Charleston, Florence, and Columbia tend to have higher car insurance costs. The chart below highlights South Carolina’s five most expensive cities for car insurance.

The below rates in South Carolina are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

SC Cities With the Highest Rates

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Columbia	$176	$288
Florence	$178	$296
Charleston	$183	$297
Summerville	$186	$292
North Charleston	$202	$292

On-the-spot guidance from licensed insurance experts

Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services

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Qualifications:

• Licensed property and casualty insurance agent

• 10+ years of insurance experience

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Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.

Mallory Mooney's bio

Austin MoyersLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 13+ years of insurance experience

---

Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.

Austin Moyers' bio

Anuj DesaiLicensed Property & Casualty Insurance Agent

---

Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

---

Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.

Anuj Desai's bio

Why you should compare car insurance quotes in South Carolina

Car insurance quotes can vary significantly among car insurance companies in South Carolina, even for drivers with similar driving histories and coverage limits. Your ZIP code, age, gender, and claims history all play a role in your insurance rate in South Carolina.^[2]

Comparing quotes from several auto insurance companies can help you find the ideal balance between the cost and quality of your coverage.

These tips can help you get the most accurate quotes:

• Standardize. Use the same coverage limits and deductible across every quote.

• Include all drivers. Include all licensed South Carolina drivers in your household.

• Bundle coverage. Bundle policies if you also need home insurance or renters insurance.

• Shop around. Compare both liability and full coverage, as South Carolina’s minimum requirements might not fully protect you after an accident.

• Carefully decide on coverage. Consider optional coverages, like accident forgiveness and roadside assistance.

• Compare quotes regularly. Recheck premiums before and after major life changes, like moving or adding a teen to your policy.

South Carolina car insurance requirements

South Carolina law requires all drivers to have liability insurance that covers injuries and property damage they cause to others. Here are South Carolina’s minimum coverage requirements:

• Bodily injury liability: $25,000 per person and $50,000 per accident

• Property damage liability: $25,000 per accident

• Uninsured motorist coverage: $25,000 per person and $50,000 per accident

South Carolina follows an at-fault system. If you cause an accident, your liability insurance pays for the other driver’s injuries and property damage up to insurance policy limits.

Agent Tip: Do you need more than the state minimum coverage?

“Drivers in South Carolina really should consider buying coverage beyond the state’s required amounts, especially those with new vehicles. Adding higher liability insurance limits, collision coverage, and comprehensive coverage financially shields you in the event of a car accident or severe weather that seriously damages your car.”

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Anuj DesaiLicensed Property & Casualty Insurance Agent

Anuj Desai's bio

How to find the cheapest South Carolina car insurance

South Carolina residents (who have an average FICO score of 699) can typically save on car insurance by improving their credit.^[3] Car insurance companies in the state can currently consider your credit-based insurance score when determining rates. Improving your credit can help your insurer view you as a lower risk to insure.

You can also lower your rates by following these tips:

• Set a higher deductible. Increase your deductible if you can afford higher out-of-pocket costs after a claim.

• Ask about discounts. Ask your insurer about available discounts to be sure you receive any you’re eligible for.

• Complete a defensive driving course. Taking a defensive driving course approved by the South Carolina Department of Insurance can help you reduce your driver’s license points and earn lower premiums in some cases.^[4]

• Bundle your coverage. Bundling your auto policy with homeowners or renters coverage.

• Consider driver programs. Sign up for pay-per-mile or usage-based insurance if you work remotely, stay at home, or don’t drive often.

Shop for South Carolina Car Insurance

Average liability quotes start at $72/mo.

Enter your ZIP codeView My Quotes

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4.7 out of 5 based on 16,980 reviews

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Find quotes for your driver profile

Different drivers face very different car insurance premiums in South Carolina. For example, teens and young drivers, seniors, and high-risk drivers often pay substantially different rates.

How car insurance costs have changed in South Carolina

In the first half of 2026, average auto insurance rates in South Carolina fell by 0%, according to Insurify’s 2026 American Driver Report. Insurify data predicts a 0% increase in South Carolina premiums in the second half of 2026.

Nationwide, auto insurance costs have been decreasing due to rising competition among insurance companies. In South Carolina specifically, the state saw an 11% decline in fatal crashes through the first nine months of 2025, which likely also resulted in fewer large payouts and pressure to increase rates.^[5]

South Carolina car insurance FAQs