Cheapest Auto Insurance in Aiken, South Carolina (2026)

Drivers in Aiken pay an overall average of $168 per month for car insurance. This is cheaper than South Carolina’s average of $197 but more expensive than the national average of $140 per month.

Insurers consider numerous factors when setting your premium, including the local crime rate. Aiken has a higher property crime rate than most South Carolina cities, with roughly 37 property crimes per 1,000 residents.^[1] 

In addition to crime, insurers consider the frequency of severe weather, and while Aiken isn’t on the coast, South Carolina is no stranger to major storms. You should always compare car insurance quotes from multiple insurers to find the best rate.

Cheapest car insurance companies in Aiken

When it comes to finding cheap car insurance in Aiken, your risk factors, vehicle, and budget all affect which insurer is right for you. Premiums can vary dramatically between insurance companies, and finding the right fit for you and your vehicle can be time-consuming.

Finding the cheapest car insurance in Aiken can be even harder if you have an incident on your record or are putting a teen behind the wheel. The table below highlights some of the best insurers for certain drivers. You’ll want to do your own research and compare quotes from multiple companies before buying a policy.

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	Best for
USAA	9.1	$112	$68	Active military, veterans, and their families
State Farm	9.3	$124	$75	Teen drivers
Nationwide	9.0	$183	$111	Drivers with bad credit

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

• How Insurify rates insurance companies

  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.

Best insurer for active military, veterans, and their families: USAA

Active Military, Veterans, and Their Families

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User Reviews	4.9 3,415 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.	9.1 /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.	$58/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.	$96/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,415 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing 14 South Carolina reviews for Aiken driversSee all 1,531 USAA reviews

Napoleon

Verified Review

USAA Praise Review

Reviewed in South Carolina on February 28, 2026

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

Paul

Verified Review

Great claims handling

Reviewed in South Carolina on February 20, 2026

Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.

James

Verified Review

USAA OK!

Reviewed in South Carolina on January 14, 2026

USAA treats members fairly and respectfully.

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Our Advice

JD Power

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

739

NAIC Index

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

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA is typically the best option for military members and their families, as it offers affordable rates and excellent service. While there isn’t a military base in Aiken, the state of South Carolina has eight military bases.^[2] USAA regularly scores at the top of the J.D. Power U.S. Auto Insurance Study.

Pros

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

• Offers investing, banking, and retirement solutions to its members

Cons

• Only available to active military, veterans, and their families

• Customer service not available 24/7

Best insurer for teen drivers: State Farm

teen drivers

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User Reviews	4.0 17,043 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.	$64/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.	$106/mo

Details

Driver Reviews

4.0

Best choiceBased on 17,043 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.8	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

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing 44 South Carolina reviews for Aiken driversSee all 7,384 State Farm reviews

Sam

Verified Review

In past years, it was good. Now the rate has jumped up 35% and coverage is up 5%. This is ridiculous. I have a 1999 Jeep with $5,000 coverage that was charging $108 per year, and this year it went up to $140 for the same coverage. Not good!

Reviewed in South Carolina on April 11, 2026

In past years, it was good. Now the rate has jumped up 35% and coverage is up 5%. This is ridiculous. I have a 1999 Jeep with $5,000 coverage that was charging $108 per year, and this year it went up to $140 for the same coverage. Not good!

David

Verified Review

Not good

Reviewed in South Carolina on April 11, 2026

It's way too expensive for not turning in a claim or getting a ticket for over 25 years.

Harriett

Verified Review

Coverage Issues

Reviewed in South Carolina on March 31, 2026

They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.

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Our Advice

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

A teen driver is involved in a crash every 1.3 hours, according to the South Carolina Department of Public Safety, which is just one reason why teens are so expensive to insure.^[3] State Farm is the best insurer for teens in Aiken, with affordable rates and various ways for teen drivers to save, such as the Steer Clear program.

Pros

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

• Various available discounts and coverages

Cons

• Doesn’t offer gap insurance

• Accident forgiveness not available

Best insurer for drivers with bad credit: Nationwide

Drivers With Bad Credit

Compare Quotes

User Reviews	4.2 967 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 /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.	$94/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.	$156/mo

Details

Driver Reviews

4.2

Best choiceBased on 967 verified driver reviews and ratings

	Nationwide's score	Industry average
Coverage options	4.1	3.2
Customer service	4.0	3.6
Discounts	3.7	2.9
Policy transparency	3.9	3.1
Value	3.5	2.9

How drivers feel about Nationwide

Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Showing recent national reviewsSee all 515 Nationwide reviews

Brian

Verified Review

Not happy anymore with this company

Reviewed in Pennsylvania on March 28, 2026

The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.

Cassidy

Verified Review

Don't use this company

Reviewed in Nevada on March 26, 2026

My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.

Patricia

Verified Review

Bad Communication

Reviewed in South Carolina on March 18, 2026

They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.

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Our Advice

JD Power

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

641

NAIC Index

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

0.7

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

A bad credit history will almost always result in more expensive car insurance. Insurers factor credit scores into a credit-based insurance score and use it to determine premiums. If your credit is less than stellar, Nationwide is one of the cheapest insurers in Aiken.

Pros

• Wide variety of insurance products and coverages

• Offers usage-based car insurance

Cons

• Not available in all states

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

How to get the cheapest car insurance in Aiken

Insurers collect a variety of information when setting a rate. They’ll consider both your personal and vehicle’s risk factors. In addition, your policy choices will also affect your premium, as will the insurer’s cost of doing business.

Here are a few tips for finding cheap car insurance Aiken:

• Keep a clean driving record. Drivers with clean records typically pay the cheapest premiums. Drive defensively, and avoid speeding.

• Apply for discounts. Auto insurance companies usually offer a plethora of discounts that can help you save money on an auto policy, such as good student and defensive driver discounts.

• Bundle your home and auto insurance policies. If you bundle your car insurance with homeowners or renters insurance, you could save a good amount on coverage.

• Choose a higher deductible. A higher deductible means a lower premium. Be sure you can afford to pay it out of pocket if you need to file a claim.

• Compare quotes. Shop around and compare premiums from at least three car insurance companies before buying a policy. Insurers weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.

Find Cheap Car Insurance in Aiken, South Carolina

Liability rates start at $58 per month

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Cheapest liability-only car insurance in Aiken: USAA

Liability car insurance covers the other driver’s injuries and property damage and injury costs from an at-fault accident. It’s important to understand that liability won’t pay to repair your own vehicle or cover any medical bills related to injuries you may have received in the accident. If you’re only carrying liability coverage, you’ll need to cover repairs to your vehicle out of pocket.

The cheapest insurer for liability-only car insurance in Aiken is USAA, with an average cost of $58 per month.

The table below shows the cheapest liability-only coverage in the Aiken area. Premiums will vary depending on your personal and vehicle rating factors, so be sure to shop your coverage with a variety of insurance companies.

The below rates in Aiken, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$58
Auto-Owners	$63
State Farm	$64
GEICO	$90
Nationwide	$94
Allstate	$100
Travelers	$108
Progressive	$111
Safeco	$118
State Auto	$131
National General	$135
Root	$135
Direct Auto	$141
Dairyland	$149
The General	$155
Liberty Mutual	$158
GAINSCO	$159
AssuranceAmerica	$166
First Acceptance	$181
Bristol West	$216

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

Cheapest full-coverage car insurance in Aiken: USAA

Full-coverage car insurance provides liability coverage as well as collision and comprehensive protection. Collision coverage will pay to repair or replace your vehicle if it’s damaged in an accident, while comprehensive will pay for damage caused by fire, flood, vandalism, and more.

If you want to fully repair your car after an accident, you should carry full-coverage car insurance. If you have a loan or lease on the vehicle, your lender will require full coverage to protect its investment in your vehicle.

The cheapest insurer for full-coverage car insurance in Aiken is USAA, with an average cost of $96 per month. The table provides details on some other affordable insurers and their average monthly quotes.

The below rates in Aiken, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$96
Auto-Owners	$103
State Farm	$106
GEICO	$140
Safeco	$151
Nationwide	$156
Allstate	$165
Progressive	$167
Travelers	$177
Root	$200
Direct Auto	$201
National General	$201
State Auto	$216
AssuranceAmerica	$234
Liberty Mutual	$253
First Acceptance	$285
GAINSCO	$296
Dairyland	$309
The General	$331
Bristol West	$361

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

Car insurance requirements in South Carolina

South Carolina, like most other states, is an at-fault state, which means that the person responsible for a car accident needs to pay for other people’s injuries and property damage that results from the accident.

South Carolina legally requires all drivers to carry liability coverage. Liability coverage is broken into two categories: bodily injury and property damage. Bodily injury (BI) covers medical and legal bills for other drivers you injure with your vehicle, while property damage (PD) will pay for damaged or destroyed property.

The table below lists South Carolina’s minimum car insurance requirements:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

While these are the required limits, they may not be sufficient in a serious accident. You’d have to cover any expenses that exceed your coverage limits out of pocket.

Some additional coverages to consider carrying to protect your wallet include:

Collision coverage

Collision coverage pays for damage caused by a collision with another car or an object like a telephone pole or fence.



Comprehensive coverage

Comprehensive coverage pays for non-collision damages, like theft, vandalism, and severe weather.



Medical payments coverage

Medical payments coverage pays for immediate medical care after an accident, regardless of who’s at fault.



Uninsured/underinsured motorist coverage

Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers with zero or insufficient insurance.



Gap insurance

Gap insurance covers the difference between your loan balance and insurance settlement if your insurer totals your vehicle.

Cheapest car insurance for drivers with an incident

Insurance companies consider your driving record when setting your premium. You’ll likely pay a higher rate if you have any incidents on your record. Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), reckless driving, and other moving violations.

How much your rate will climb with an incident on your driving record will vary depending on the type of incident, as well as other personal factors. Multiple incidents in a short time will result in a dramatic premium increase. Serious violations such as a DUI or reckless driving will result in a large premium increase, while a minor speeding ticket may only lead to a slight bump.

The below rates in Aiken, SC, are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
USAA	$58	$73	$76	$88
State Farm	$64	$79	$83	$98
Auto-Owners	$63	$80	$81	$96
GEICO	$90	$114	$115	$136
Nationwide	$94	$118	$124	$143
Allstate	$100	$126	$131	$153
Progressive	$111	$130	$140	$179
Travelers	$108	$136	$142	$165
Safeco	$118	$150	$161	$190
State Auto	$131	$169	$175	$192
Direct Auto	$141	$172	$188	$215
Root	$135	$175	$177	$208
Dairyland	$149	$179	$192	$227
GAINSCO	$159	$184	$199	$243
Liberty Mutual	$158	$195	$205	$241
The General	$155	$201	$209	$228
AssuranceAmerica	$166	$205	$215	$253
First Acceptance	$181	$212	$228	$291
Bristol West	$216	$264	$278	$330

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

Shop for Car Insurance in Aiken, SC

Monthly rates start at $72 for drivers with an incident

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Average cost of car insurance by age

One rating factor that insurers consider is your age. It can have a major effect on your premium. In most cases, premiums will be sky-high for newly minted drivers, stabilize in middle age, and climb again as you hit your golden years.

Young drivers pay more for car insurance than any other group. Adding a teen to your policy can often double the cost of your premium. They pay so much for coverage because they’re inexperienced on the road and tend to take more risks, leading to plenty of at-fault accidents.

The risk of motor vehicle crashes is higher among teens ages 16 to 19 than among any other age group, according to the Centers for Disease Control and Prevention (CDC).^[4] Teen drivers in this age group have a fatal crash rate almost three times as high as drivers 20 and older per mile driven.^[5]

Car insurance rates stabilize in your 30s (assuming a clean record) but will start climbing again around age 70 because statistics show that senior drivers tend to be involved in more accidents. Older drivers don’t suffer from a lack of experience but typically have slower reactions, medical issues, and injure more easily, making them a greater risk to insure.

Check out the table below to find average monthly rates for various age groups.

Age	Average Monthly Quote
Teens	$402
20s	$270
30s	$204
40s	$188
50s	$168
60s	$164
70s	$174

Disclaimer: Table data is based on real-time Aiken quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Aiken car insurance quotes by credit tier

While you might not think your credit history has anything to do with your car insurance, your insurer would disagree. Most states (South Carolina included) allow insurers to consider your credit information when setting a premium.

Insurers consider your credit as part of a larger credit-based insurance score to determine your premium. Drivers with lower credit scores almost always pay more for car insurance than drivers with excellent or good credit. Improving your credit score can lead to massive savings.

The chart below shows how poor credit can result in a more expensive car insurance policy, and vice versa.

Aiken car insurance FAQs