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South Carolina Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In South Carolina?

On average, car insurance rates for drivers in South Carolina are $311 per month, and $3732 per year. The average rates make South Carolina the 9th most expensive state in the country for car insurance rates and 28% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $31150%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best South Carolina Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in South Carolina and has selected the following providers and quotes as the best rates for drivers in South Carolina.

Cheapest CompaniesQuotes
Direct Auto$64
State Farm$73
Allstate$87
Progressive$89
GEICO$110

South Carolina Car Insurance Rates by City

For drivers in South Carolina, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in South Carolina.

CityAvg. Monthly Rate
Anderson$227
Charleston$299
Columbia$317
Florence$298
Greenville$272
Lexington$273
Myrtle Beach$253
Rock Hill$269
Spartanburg$272
Summerville$311

What Is the Average Cost of Car Insurance in South Carolina by Age?

You can almost hear the teenagers pleading for mom and dad to pay for their car insurance. At an average price of $565 a month, car insurance is expensive for teenagers in South Carolina. Young adults see a $200 drop with their increased driving experience.

South Carolinians in their 30s, 40s, and 50s get an average monthly rate price that slips under the state average. Those over 80 owe the least for their car insurance on average, paying less than half the price of their teenage grandchildren and great-grandchildren.

AgeAvg. Monthly Rate
Teens$565
20s$354
30s$268
40s$270
50s$261
60s$230
70s$243
>80s$228

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What Is the Average Cost of Car Insurance in South Carolina by Gender?

Men pay on average five percent more than women in the Palmetto State. This discrepancy probably has to do with the fact that women tend to get into fewer car accidents than men.

GenderAvg. Monthly Rate
Male$319
Female$305

Does Marital Status Influence the Average Cost of Car Insurance in South Carolina?

In South Carolina, married couples can experience significant savings on their car insurance compared to singles. At $16 per month, the savings turn into just over $190 per year.

Plus, the financial experts and economists say a trip down the aisle bolsters the bank account. Is nearly $200 a year enough to motivate taking the plunge? Maybe.

Marital StatusAvg. Monthly Rate
Married$298
Single$314

What Are the Minimum Car Insurance Requirements in South Carolina?

South Carolina requires liability insurance to cover injuries and property caused to others. The law says you need $25,000 in bodily injury liability per person and $50,000 per accident, $25,000 in property damage liability per accident, $25,000 in uninsured/underinsured motorist bodily per person, $50,000 in underinsured motorist bodily per accident, and $25,000 in uninsured/underinsured property damage per accident. To cover your car itself, buy comprehensive and collision coverage.

south-carolina

How Does Credit History Affect South Carolina Car Insurance Rates?

Does bad credit make you a bad driver? Many South Carolinians would say no, but the insurance companies say otherwise. The Palmetto State, like most in the U.S., lets insurance companies rate people based on their credit.

Why do people with poor credit pay less on average than those with average and good credit? Drivers with better credit finance more expensive cars and can afford higher levels of coverage. The folks who save the most have excellent credit, which is a score of 800 and above. That category cuts $28 per month from the state average.

Credit HistoryAvg. Monthly Rate
Poor$298
Average$304
Good$310
Excellent$283

What Is the Average Cost of Car Insurance in South Carolina for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in South Carolina will pay $56 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $41. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$290
At-Fault Accident$331
Speeding$346

Tips for Researching South Carolina Car Insurance Rates

South Carolina’s prices and premiums vary by your location, company, and car. The Palmetto State's population continues to increase, meaning more people on the road. Will insurance premiums also rise? South Carolinians hope not.
One strategy to keep your price down is to try Insurify ’s comparison tool. You'll generate 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - South Carolina Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

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

  • The way to find the carrier with the best auto insurance ratings in South Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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