4.8out of 3,000+ reviews

Cheap Car Insurance in South Carolina 2022

Drivers in South Carolina pay rates starting at $72/mo. for car insurance.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance 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.
Katie Powers
Edited by
Katie Powers
Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Updated November 29, 2022

Drivers in South Carolina pay an average of $250 per month, making it the 16th most-expensive state for car insurance, according to our data. South Carolina drivers pay just $17 per month more than the national average of $233 per month. Though the Palmetto State requires drivers to purchase car insurance, you have control over choosing an auto insurer that works best for you. The most effective way to find cheap car insurance is to compare quotes online to find the most affordable provider in your area.

Many South Carolina residents drive golf carts near their homes, so the state implemented requirements and guidelines for you to do so legally. In order to be driven, golf carts must be properly insured, permitted, and registered; only driven on roads with speed limits of 35 mph or less during daylight hours within four miles from home; and driven by someone with a valid driver’s license.[1]

Quick Facts

  • The average cost of car insurance in South Carolina is $250/mo.

  • USAA is the cheapest provider in South Carolina, with average rates of $107/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in South Carolina: USAA

1
USAA logo

USAA

Best Cheap Car Insurance in South Carolina
Average Monthly Cost:
$107
Insurify Composite Score:
96

With an average monthly rate of $107, USAA offers the cheapest car insurance option for drivers in South Carolina. Since the average is $250 per month, USAA offers a chance for savings of more than $100. Other top insurance companies offering low rates include State Farm, GEICO, and Travelers.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
USAA96$107
State Farm88$115
GEICO88$128
Travelers80$155
American Family89$169
Erie85$128
Kemper PreferredN/A$138
Safeco86$178
Nationwide89$180
State Auto76$184
Allstate85$190
ProgressiveN/A$192
National General58$200
Midvale Home & AutoN/A$241
Direct AutoN/A$248
Farmers85$267
Liberty Mutual82$294
InsureMaxN/A$302
AssuranceAmericaN/A$345
The GeneralN/A$350
Bristol WestN/A$375
StillwaterN/A$413
DairylandN/A$423
AmicaN/A$529
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in South Carolina

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Carolina[2] are:

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury and $25,000 per accident for uninsured/underinsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance. In South Carolina, drivers are required to purchase this coverage for both bodily injury and property damage.

South Carolina DMV information

The South Carolina Department of Motor Vehicles (DMV) provides numerous services for drivers, like issuing and renewing driver’s licenses. When you’re renewing or applying for your driver’s license in South Carolina, you must present proof that you meet the state’s minimum coverage requirements with a company licensed to do business in the state.

Public transportation in South Carolina

South Carolina provides bus services as public transportation for its residents. Some bus routes run between cities and counties and may be a good option if your license is revoked or suspended or if you don’t own a vehicle. South Carolina also offers statewide and coastal buses for residents to use.[3]

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

Tips for getting cheap car insurance in South Carolina

When determining your insurance premiums, companies consider many factors like your age, credit score, and driving history. Every company weighs these risk factors differently, which means you can find dramatically different rates for the same coverage. It’s important to compare quotes from multiple companies to find the most affordable option for your situation.

Here are some other things you can do to reduce car insurance costs:

  • Seek discounts, such as good driver or good student discounts.

  • Bundle your homeowners or renters insurance with your car insurance.

  • Maintain a good credit score.

  • Consider lowering your deductible.

Liability-only vs. full-coverage insurance in South Carolina

If you live in South Carolina, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in South Carolina by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
American Family$114$169
GEICO$86$128
State Farm$77$115
Travelers$122$155
USAA$72$107
Allstate$128$190
Amica$355$529
AssuranceAmerica$299$345
Bristol West$259$375
Dairyland$279$423
Direct Auto$196$248
Erie$86$128
Farmers$179$267
InsureMax$223$302
Kemper Preferred$80$138
Liberty Mutual$175$294
Midvale Home & Auto$169$241
National General$123$200
Nationwide$198$180
Progressive$129$192
Safeco$115$178
State Auto$99$184
Stillwater$295$413
The General$223$350
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance South Carolina

How your driving history affects South Carolina car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in South Carolina. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in South Carolina based on driving and accident history.

See More: High-Risk Car Insurance South Carolina

Car Insurance CompanyClean Record
Farmers$115
Nationwide$171
State Farm$116
Travelers$147
USAA$104
Allstate$171
American Family$153
Amica$477
AssuranceAmerica$293
Bristol West$328
Dairyland$400
Direct Auto$213
Erie$431
GEICO$240
InsureMax$264
Kemper Preferred$127
Liberty Mutual$278
Midvale Home & Auto$200
National General$168
Progressive$173
Safeco$164
State Auto$161
Stillwater$421
The General$304
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance South Carolina

SR-22 insurance in South Carolina

After you get a DUI in South Carolina, you’ll need to prove that you meet the state’s insurance requirements before driving again. Your insurance company must file an SR-22 form for you to confirm your policy meets the requirements. Below, you’ll find some of the companies that offer SR-22s in South Carolina.

How credit scores affect South Carolina car insurance quotes

In South Carolina, insurers can consider your credit score when setting your premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$198
Good$234
Average$256
Poor$396
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance South Carolina

How your city affects South Carolina insurance quotes

The city you live in matters to auto insurance companies because your location is tied to several factors, including crime rates, average commute times, population density, and more. In general, drivers living in congested city centers will pay more for car insurance than those in more rural locations.

CityAverage Monthly Quote
Aiken$238
Charleston$260
Columbia$285
Dorchester$403
Florence$289
Goose Creek$329
Greenville$243
Greer$247
Hilton Head Island$212
Lynchburg$401
Mauldin$234
Mount Pleasant$208
Myrtle Beach$234
Pineville$376
Ridge Spring$161
Rock Hill$246
Spartanburg$244
Summerville$266
Sumter$257
Windsor$192
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects your South Carolina car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$489
Under 25$325
20s$237
30s$231
40s$212
50s$196
60s$162
70s$178
80+$236
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Auto insurers tend to view younger drivers as higher risk drivers due to lack of driving experience, which explains why drivers under 25 face the highest rates. The car insurance companies offering the cheapest rates for full-coverage insurance include Kemper Preferred, Travelers, and Safeco. 

Car Insurance CompanyLiability Only
Liberty Mutual$239
Progressive$173
Travelers$129
AssuranceAmerica$423
Bristol West$354
Dairyland$381
Direct Auto$279
InsureMax$324
Kemper PreferredN/A
Midvale Home & Auto$237
National General$195
Nationwide$302
Safeco$160
State Auto$120
StillwaterN/A
The General$297
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. On average, middle-aged drivers in South Carolina spend between $196 and $231 per month. Monthly premiums for liability coverage begin as low as $76 with Kemper Preferred, $94 with State Auto, and $102 with National General.

Car Insurance CompanyLiability Only
Liberty Mutual$146
Progressive$107
Travelers$120
AssuranceAmerica$225
Bristol West$212
Dairyland$218
Direct Auto$143
InsureMax$161
Kemper Preferred$76
Midvale Home & Auto$142
National General$102
Nationwide$195
Safeco$109
State Auto$94
Stillwater$254
The General$171
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Senior drivers in their 60s and 70s typically pay lower rates than those in their 80s in South Carolina. Travelers provides drivers with an accident in their driving history the cheapest average rate of just $118 per month, followed by $152 per month with Nationwide.

Car Insurance CompanyLiability Only
Liberty Mutual$125
Progressive$84
Travelers$120
AssuranceAmerica$220
Bristol West$165
Dairyland$193
Direct Auto$145
InsureMax$170
Kemper Preferred$76
Midvale Home & Auto$144
National General$97
Nationwide$140
Safeco$99
State Auto$85
The General$189
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

South Carolina car insurance FAQs

  • USAA, State Farm, and GEICO offer South Carolina drivers the cheapest monthly rates. Smaller insurance companies, like Erie and Kemper Preferred, also offer average monthly rates below $150. For full-coverage car insurance, South Carolina drivers pay monthly average rates as low as $107 with USAA, $115 with State Farm, and $128 with GEICO.

    By coverage level and driving history, USAA offers the lowest rates for South Carolina drivers regardless of age. When a driver’s age is considered, Travelers provides the most affordable average quotes for young drivers and for most middle-aged drivers.

  • South Carolina ranks as the second most-dangerous state to drive in, based on our data. More than 22% of drivers have an incident on their driving record. Notably, the state takes the top spot for the highest percentage of accidents and ranks eighth for speeding tickets. Drivers with any violations on their driving record should expect higher premiums.

    South Carolina is one of the country’s most likely states to experience hurricanes and other tropical storms, according to the South Carolina Emergency Management Division.[4] Specifically, storm surge has the ability to place life and property at risk. Auto insurers operating in the state keep that in mind when setting statewide rates.

  • On average, South Carolina drivers pay $250 per month for car insurance. That’s slightly above the national average of $233 per month. Although the average is on the high side, we did find average rates as low as $72 per month. South Carolina drivers pay significantly more than drivers in the neighboring state of North Carolina but much less than Georgia drivers.

    Factors like inflation and changing driver habits have resulted in some auto insurers implementing rate changes throughout the country. That said, car insurance costs in South Carolina have been relatively consistent throughout the past year. Between July 2021 and July 2022, for example, our data shows that rates decreased by around 3%.

  • Some of the best insurance companies that offer affordable rates in South Carolina include USAA, State Farm, and GEICO. Both State Farm and GEICO earned an Insurify Composite Score rating of 88 or higher, while USAA earned a 96.

    USAA earned an AA+ rating from Standard & Poor’s, State Farm earned an AA rating from Standard & Poor’s, and GEICO earned an AA++ rating from Standard & Poor’s. All three companies earned an A++ rating from A.M. Best.

  • No, you do not need personal injury protection (PIP) coverage in South Carolina. It’s entirely optional, and not required by law. Personal injury protection covers medical expenses, lost wages, and more, regardless of who is at fault. While PIP and medical payments insurance (MedPay) are not required, liability and uninsured motorist protection are both required by law.

    South Carolina is an at-fault state, which means the party responsible for the accident will be required to compensate anyone who was harmed. In no-fault states, PIP coverage is required to protect your finances after an accident.

  • Yes, car insurance is required in South Carolina for drivers to operate their vehicles.[5] Drivers must carry minimum coverage, including:

    • $25,000 per person and $50,000 per accident for bodily injury

    • $25,000 per accident for property damage

    • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury

    • $25,000 per accident for uninsured/underinsured motorist property damage

    Bodily injury and property damage liability insurance cover costs for medical bills and repairs to property the policyholder is responsible for. Uninsured/underinsured motorist insurance covers damages if the at-fault party has no insurance or not enough insurance to cover all the damages.

  • In most cases, car insurance follows the vehicle in South Carolina. If someone borrows your vehicle, your auto insurance coverage can apply if they cause a car accident. Once your insurance policy reaches the coverage limits, the other driver’s insurance policy may kick in to cover additional costs.

    Although your insurance often follows the car, it’s not a good idea to let an unlicensed or uninsured driver borrow your vehicle. Even if you aren’t driving, you could be held responsible for extensive costs if the damage caused exceeds your policy limits.

  • Full-coverage car insurance in South Carolina includes property damage and bodily injury liability coverage, collision coverage, and comprehensive coverage. Collision insurance includes coverage to repair or replace your vehicle after an accident. Comprehensive coverage protects against damages such as natural disasters and vandalism.

    Full-coverage policies cost more than minimum coverage policies because they provide more protection. If you get in an accident or your vehicle is damaged, the insurance company helps cover costs. If you have a leased vehicle, you should read the fine print of your loan or lease agreement because some lenders and dealerships require you to have a full-coverage policy.

Insurify Insights

How South Carolina Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in South Carolina below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how South Carolina drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in South Carolina

#4

State with the Most Speeding Tickets Rank

#3

State with the Moving Violations Rank

#39

State with the Most DUIs Rank

#30

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. South Carolina is the #1 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #1
    • Percent of drivers in South Carolina with an accident: 12.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. South Carolina is the #39 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #39
    • Percent of drivers in South Carolina with a DUI: 1%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. South Carolina is the #38 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #38
    • Percent of drivers in South Carolina with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. South Carolina is the #37 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #37
    • Percent of drivers in South Carolina with a rude driving violation: 1.2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. South Carolina is the #4 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #4
    • Percent of drivers in South Carolina with a speeding ticket: 12.3%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. South Carolina is the #9 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #9
    • Percent of drivers in South Carolina with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. South Carolina Department of Public Safety. "Golf Cart Law." Accessed November 17, 2022
  2. South Carolina Department of Insurance. "State Minimum Car Insurance Requirements." Accessed September 16, 2022
  3. Public Transit Providers. "South Carolina Public Transportation." Accessed September 16, 2022
  4. South Carolina Emergency Management Division. "Hurricanes." Accessed September 16, 2022
  5. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed November 17, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance 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.

Learn More
Katie Powers
Edited by
Katie Powers
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.