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Cheap Auto Insurance Quotes in Irmo, SC (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022


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Quick Facts

  • The average cost of car insurance in Irmo is $296 per month, or $3552 annually.
  • Car insurance in Irmo is $37 more than the average cost of car insurance in South Carolina.
  • The cheapest car insurance provider in Irmo on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Car Insurance in Irmo, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Irmo, SC to find you the cheapest quotes in the area.

Quotes by Top Companies

National General
Direct Auto
Midvale Home & Auto

Cheapest Car Insurance in Irmo, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in IrmoQuotes
Travelers$173 /mo
Safeco$194 /mo
National General$203 /mo
Direct Auto$217 /mo
Midvale Home & Auto$260 /mo

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Average Car Insurance Cost

South Carolina Cities
North Charleston$125/mo
Mount Pleasant$139/mo
South Carolina$169/mo
North Charleston
Mount Pleasant
Average for SC
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in SC

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 available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Find local Irmo agents

    FAQs - Irmo, SC Car Insurance

    • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
    • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

    Compare Car Insurance Quotes Instantly

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    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.

    Insurify Insights

    How Irmo 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 Irmo, South Carolina below:


    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 Irmo drivers measure up to their fellow motorists across South Carolina 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.


    Nissan Altima

    Most Popular Car in Irmo


    City with the Most Speeding Tickets Rank in South Carolina


    City with the Most Moving Violations Rank in South Carolina


    City with the Most DUIs Rank in South Carolina


    City with the Most Suspended Licenses in South Carolina

    • 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. Irmo drivers rank 39 in the number of car accidents per driver across all cities in South Carolina.

      • Rank within state: #39
      • Percent of drivers in Irmo with an accident: 12.54%
      • Drivers in Irmo, SC with an accident in their driving history pay on average 3.62% more than drivers with a clean record
    • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Irmo drivers rank 44 in the number of speeding infractions per driver.

      • Rank within state: #44
      • Percent of drivers in Irmo with a speeding ticket: 12.83%
      • Drivers in Irmo, SC with a speeding ticket in their driving history pay on average 27.54% more than drivers with a clean record
    • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Irmo drivers rank 25 in the number of DUI’s per driver across all cities in South Carolina.

      • Rank within state: #25
      • Percent of drivers in Irmo with a DUI: 1.46%
      • Drivers in Irmo, SC with a DUI in their driving history pay on average 0% more than drivers with a clean record
    • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Irmo is the Nissan Altima.

    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.

    Olivia Oksenhorn
    Olivia Oksenhorn

    Content Specialist at Insurify

    Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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