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South Carolina Average Cost of Car Insurance Rates (2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Married$298
Single$314

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[1] are:

  • $25,000 per person for bodily injury
  • $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 for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury
  • $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 after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.

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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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 The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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.

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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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  • 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.

Courtney Roy
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. South Carolina Department of Insurance . "State Minimum Car Insurance Requirements." Accessed May 28, 2022