Cheap Auto Insurance in Greenville, South Carolina (2024)

USAA offers the cheapest car insurance in Greenville, with minimum-coverage policies as low as $45 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated April 18, 2024

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Cheapest recent rates near Greenville, South Carolina

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $127/mo for full coverage in Greenville and other South Carolina cities.

*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on April 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Nestled in the northwest corner of South Carolina, Greenville doesn't get the kind of severe weather that affects insurance rates in coastal areas of the state. But the city is located in Greenville County, which had the highest number of accidents in 2021, according to the most recent data from the South Carolina Department of Public Safety.

Those factors likely influence Greenville's auto insurance rates, which are on par with state averages. The average cost of car insurance in Greenville is $215 per month for full coverage and $166 monthly for liability-only. By comparison, South Carolina's state averages are $267 and $164, respectively.

Greenville drivers can find cheap car insurance by comparing rates from multiple insurance companies.

Quick Facts
  • USAA, Auto-Owners, and State Farm offer the cheapest rates for Greenville drivers.

  • On average, Greenville drivers pay $2,581 annually for full-coverage car insurance.

  • South Carolina is one of the most expensive states for car insurance, according to Insurify data.

Best car insurance companies in Greenville

The best auto insurance company will depend on your individual situation and needs.

Here are some of the top insurers in Greenville, based on Insurify data, along with some key pros and cons to consider.

Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
TravelersOverall$944.3
ProgressiveBest value$1093.9
Direct AutoDrivers with multiple vehicles$1283.3
NationwideSenior drivers$824.3
Bristol WestHigh-risk drivers$2082.2
Liberty MutualYoung drivers$1393.8
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best car insurance overall: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$83/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.
$125/mo

Travelers offers several car insurance options in Greenville, including benefits like accident forgiveness after your first at-fault car accident. Travelers also offers new-car replacement coverage and roadside assistance as add-on options.

Pros
  • Discounts for bundling your policy

  • Offers accident forgiveness

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • Below-average J.D. Power rating in the Southeast region[1]

Read our Travelers review
Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-time customer with a slight rate reduction

The premium is too much for what I need.

Best cheap car insurance in Greenville: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$97/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.
$152/mo

Progressive may not have the cheapest rates in Greenville, but this insurer does offer affordable coverage. Progressive also offers the Snapshot program, which rewards safe drivers. Progressive is known for its Name Your Price Tool, which allows you to customize coverage based on your budget, as well as its multi-policy, multi-car, long-term customer, and good student discounts.

Pros
  • Wide selection of coverage options

  • Telematics-based program may lower your premiums

Cons
  • No advertised discounts for vehicle safety equipment

  • Below-average J.D. Power rating in the Southeast region[1]

Read our Progressive review
Kevin - April 17, 2024
Verified

Wonder Why They Did That?

They dropped me without any explanation, yet they let me renew without asking any questions.

Ishmeal - April 17, 2024
Verified

Too high for someone who's been driving for over 50 years with no tickets

I wouldn't recommend them; it's too expensive.

Stanley - April 17, 2024
Verified

Still Shopping

They are overpriced. I have one speeding ticket in 50 years and they won't forgive it. I've been driving for 67 years and have NEVER had a DWI.

Best car insurance in Greenville for drivers with multiple vehicles: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$113/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.
$174/mo

Direct Auto has been around since 1991 and helps customize your insurance coverage based on your needs and offers discounts for savings of up to 25%.

For people with multiple vehicles in their home that need insurance, Direct Auto provides multi-policy discounts to help you insure your vehicles, a motorcycle, and commercial vehicles all under one policy.


Pros
  • Multi-policy and multi-car discounts available

  • Offers mobile app for account management

Cons
  • Higher average premiums than competing insurers

  • Gap or rideshare insurance not available

Read our Direct Auto review
Edward - April 17, 2024
Verified

Poor Customer Service

I switched because the service was bad.

Dianne - April 9, 2024
Verified

Rude customer service and unexpected rate increase

My plan was increased from $291 to $388 without any notification, resulting in a change to my policy. I was never provided with a copy of my policy. When I called to inquire about the situation, the representative was very rude.

Jessica - March 31, 2024
Verified

Fair

There should be more manageability in the app for customers.

Best car insurance in Greenville for senior drivers: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$73/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.
$111/mo

Nationwide helps you save money when you bundle your policy with other types of insurance coverage. This company also provides discounts for enrolling in the SmartRide program, allowing you to save up to 40% for driving safely. Seniors who don’t drive as often could also save with the SmartMiles program, which gives you coverage at a flexible monthly rate based on how many miles you drive.


Pros
  • SmartMiles program can help lower premiums

  • Higher-than-average J.D. Power rating in Southeast region[1]

Cons
  • Lower customer rating with the BBB

  • Lower J.D. Power claims satisfaction rating than competing insurers[3]

Read our Nationwide review
Antoinette - April 8, 2024
Verified

Nationwide is not on your side

My rate doubled for no apparent reason. I have no tickets and no accidents.

Janet - March 30, 2024
Verified

Expensive Insurance Company

They are very expensive and not helpful. They don't offer storage insurance and there are no discounts.

Jeri - March 30, 2024
Verified

Don't Choose Nationwide

I have been with this company for 30 years, always paying on time, with no tickets or accidents, and very low mileage. However, this time my rates went up by $500 without a reasonable explanation. Age discrimination was implied.

Best car insurance in Greenville for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
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
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.
$183/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.
$305/mo

Bristol West has been around for 45 years and provides drivers with coverage at a reasonable rate, even if they have bad credit or infractions on their driving record.

While its rates aren’t the lowest among the best auto insurers in Greenville, Bristol West can still be a solid option if you have DUIs, speeding tickets, or need an SR-22.


Pros
  • Coverage for high-risk drivers

  • Flexible payment options with low insurance down payments

Cons
  • Mobile app claims filing not available

  • Higher rates than other Greenville insurers

Read our Bristol West review
Barry - April 1, 2024
Verified

Terrific

Absolutely great.

Suzanne - March 29, 2024
Verified

Issues with Policy and Customer Service

It's been a terrible experience. I paid both my policies in full, yet they decided to charge my bank account and then cancel my policy without notifying me. This has really messed up my finances for the past year. My car insurance has climbed from 116 when I first signed up with them to 183 now.

Mitchell - March 29, 2024
Verified

Difficulties

I've been having difficulties with the mobile app and I can't remove an old policy from my account.

Best car insurance in Greenville for young drivers: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$121/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.
$220/mo

Liberty Mutual offers customized auto insurance options. This insurer offers discounts to students who have a GPA equivalent of B or better. Liberty Mutual also provides discounts for not filing a claim or getting a violation.

Pros
  • Customizable insurance plans

  • Offers student-centric discounts

Cons
  • Higher full-coverage rates than other insurers

  • Mixed reviews on customer service and certain app features

Read our Liberty Mutual review
Steve - April 17, 2024
Verified

Triple Cost

I have no tickets, live in a remote desert, have no tickets, and yet my rate has gone up 3x in 18 months. It's a ridiculous amount.

Gianna - April 16, 2024
Verified

Don't Recommend!

There's no support in the app, and it's not easy to change payment information. I don't recommend it!

Felicia - April 15, 2024
Verified

Poor

Don't have an accident or get a ticket, your rates will triple.

How to shop for the best car insurance in Greenville

When shopping for car insurance in Greenville, South Carolina, you’ll need to consider several things:

  • Coverage amount: Decide how much coverage you need, starting with the state’s minimum requirements. South Carolina requires at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability. South Carolina also requires uninsured motorist coverage at the same liability limits.[1]

  • Customer satisfaction and reviews: Review credible customer satisfaction ratings, such as the IQ Score, as well as reviews and complaints with the Better Business Bureau. This will help you uncover any potential issues you could experience with an insurance company.

  • Rates: Use an insurance-comparison site to gather quotes from at least three different insurers. This will help you compare rates and coverage options to narrow down the best price for your needs. 

  • Communication methods: Check the insurer’s various communication methods, whether you wish to talk to someone by phone, online chat feature, or email. You can also check whether the insurer has customer service agents available during flexible times.

  • Claims experience and process: Does the insurer have a clear claims process that you can start either online or by phone? Many insurers allow you to check the status of your claim online, which can be helpful during the process.

Learn More: Car Insurance Claims Process What to Expect and How to File a Claim

Learn More: Car Insurance Claims Process What to Expect and How to File a Claim

How to get the cheapest car insurance in Greenville

Finding the cheapest car insurance in Greenville will depend on some factors outside your control, like your ZIP code, age, and gender.[2] However, you can control other factors to lower your insurance costs over time:

  • Keep a clean driving record and avoid violations.

  • Improve your credit score.

  • Ask your insurer about discounts and safe driver programs.

  • Choose a car that has safety and anti-theft features.

  • Shop around frequently, gather multiple quotes, and switch your car insurance when you can get a lower rate.

Liability-only vs. full-coverage insurance in Greenville

South Carolina requires minimum-liability auto insurance, which helps cover damage to the other person’s vehicle in an accident. Liability insurance also includes bodily injury coverage, which covers the other driver’s (and their passengers’) medical bills due to injuries from an accident. It's typically cheaper than full coverage, but doesn't provide as much financial protection, so you should carefully consider your ability to cover potential out-of-pocket expenses.

Full-coverage insurance refers to a collection of coverages, which includes collision and comprehensive insurance. Collision insurance provides reimbursement for damages to your car after a collision-related event, like an accident, regardless of fault. Comprehensive insurance provides coverage for non-collision events, such as natural disasters, falling objects, theft, and vandalism.[3]

Choosing liability coverage may make sense if you drive an older car that’s worth less than the cost of major repairs. However, you may want a higher level of protection with full-coverage, collision, or comprehensive coverage if you drive a newer car, finance your vehicle with an auto loan, or have a lease agreement.

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

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA4573
Auto-Owners4878
State Farm4980
GEICO5386
Safeco67116
Nationwide73111
Allstate77125
State Auto82143
Travelers83125
Progressive97152
Midvale Home & Auto99159
Direct Auto113174
Liberty Mutual121220
Dairyland145309
The General157266
National General167237
AssuranceAmerica179211
Bristol West183305
GAINSCO208362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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South Carolina car insurance rates by driving and accident history

Your driving history will greatly affect your car insurance rates. Drivers with a clean record are more likely to see lower car insurance rates because insurers consider drivers with violations on their records as higher risk.[2]

Speeding tickets, driving under the influence, and at-fault accidents can stay on your driving record for several years.

You can still find car insurance at reasonable rates even with infractions on your driving record, but you’ll likely pay more. Here’s a look at average monthly quotes for liability-only car insurance in Greenville based on driving and accident history.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordSpeeding TicketAt-Fault AccidentDUI
USAA45606273
Auto-Owners48656778
State Farm49646680
GEICO53707386
Safeco6796100109
Nationwide7398101119
Allstate77102106126
Travelers83112115135
Progressive97134138158
Direct Auto113154160184
Liberty Mutual121172178197
Dairyland145198203237
The General157216223256
National General167223234273
AssuranceAmerica179252256292
Bristol West183247251299
GAINSCO208269281339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Greenville car insurance quotes by credit tier

Many states allow insurers to factor in your credit score when calculating car insurance rates, and South Carolina is one of these states. Insurers in Greenville can use your credit history to determine the likelihood that you’ll file an insurance claim.[4]

Credit scores above 661 are “good,” and the higher your credit score, the better chance you’ll have of getting a lower car insurance rate.[5]

Insurers consider other factors in addition to credit, so a lower credit score doesn’t always mean you’ll get higher insurance premiums. Still, you can prioritize improving your credit score for a chance at better rates.

Greenville car insurance rates by driver age

Age also affects car insurance rates because insurance companies find that drivers younger than 25 have a higher risk of accidents than older drivers.[2] This added risk leads to increased prices for young drivers.

Here are the average liability-only insurance rates by driver age. While prices are higher for teens and young drivers, the rates start to go down once you turn 25.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

Is car insurance more expensive in Greenville?

Car insurance rates vary by city within South Carolina. Rates may vary by city due to factors such as the amount of traffic in the area or the number of accidents. Also, the cost of vehicle repairs in a particular city may vary, and this can affect car insurance rates.[2]

Car insurance in Greenville costs an average of $166 per month for liability-only coverage. This is more than insurance in other South Carolina cities, like Myrtle Beach, but less than cities like Charleston. Here monthly average car insurance rates in different South Carolina cities.

CityFull CoverageLiability Only
Greenville$215$166
Charleston$300$206
Columbia$273$178
Lancaster$320$185
Myrtle Beach$190$147
Rock Hill$294$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Greenville

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Greenville car insurance FAQs

Here are answers to more common questions about car insurance in Greenville. You can also read more on the average cost of car insurance in South Carolina and how to shop for car insurance.

  • Who has the cheapest car insurance in Greenville?

    The top three cheapest insurance companies in Greenville are USAA, Auto-Owners, and State Farm, with liability-only coverage amounts of $45, $48, and $49, respectively. However, each insurer won’t offer the exact same price to everyone. Comparing multiple quotes at once using your own personal information is one of the best ways to find the cheapest car insurance rate for your situation.

  • What are the minimum car insurance requirements in South Carolina?

    In South Carolina, you must have at least $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability. You must also purchase these policy limits for uninsured motorist coverage.[1]

    South Carolina requires insurers to offer underinsured motorist coverage, but you’re not required to purchase it.[1]

  • What are the best car insurance companies in Greenville?

    Some of the best insurance companies in Greenville include Progressive and Travelers. These companies have a higher IQ Score and offer lower-than-average rates.

  • Is South Carolina a no-fault state?

    No. South Carolina is an at-fault state. This means if you’re the at-fault driver in an accident, the other driver can file a claim against you for your insurance company to pay for the property and bodily damages.[6]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. South Carolina Department of Insurance. "Automobile Insurance."
  2. III. "What determines the price of an auto insurance policy?."
  3. III. "What is covered by collision and comprehensive auto insurance?."
  4. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
  5. Experian. "What Is a Good Credit Score?."
  6. Nolo. "South Carolina Car Accident Laws and Lawsuits."
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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