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Get Cheap Car Insurance in South Carolina
We monitor insurance prices, helping the average driver in South Carolina save up to 29.7% on car insurance.
The Cheapest Minimum Coverage in South Carolina
The chart below shows the cheapest car insurance company in South Carolina for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Auto-Owners Insurance, and Safeco Insurance.
| South Carolina Insurer | Monthly Cost |
|---|---|
| Geico | $63 |
| State Farm | $71 |
| Auto-Owners Insurance | $71 |
| Safeco Insurance | $78 |
Savings for Every Kind of South Carolina Driver
Based on our extensive insurance data, we know the average South Carolina driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $388 per year by choosing the right vehicle insurance company. Some South Carolina residents are paying out over $1,771 extra every year for auto insurance in South Carolina. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Carolina Savings / Yr. |
|---|---|
$388 |
|
$697 |
|
$589 |
|
$733 |
|
$1,434 |
|
$328 |
|
$426 |
South Carolina Car Insurance vs. the United States
People living in South Carolina pay an average of 8.71% more than the typical driver in the nation. The average driver in South Carolina can expect to pay about $1,041 per year, or $1,771 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in South Carolina for most people.
Car Insurance Prices by South Carolina Neighborhood
Insurance Prices
Where is insurance cheapest within South Carolina?
The map shows insurance prices in and around South Carolina, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $721 per year within the state boundaries, with insurance premiums ranging from a high of $2,199 to a low of $1,478. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of South Carolina.Pick the Best Car Insurance Company for You in South Carolina
The best car insurance provider for most drivers in South Carolina
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $388 over the average South Carolina car insurance company.
The best car insurance provider for South Carolina drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $697 over the competition.
The best car insurance company for South Carolina drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $589 better than other car insurance companies.
The best auto insurance for South Carolina drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $733 less each year.
The least expensive car insurance company for new and young drivers in South Carolina
In South Carolina, Geico costs young drivers $1,434 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Carolina
Geico gave the largest car insurance discounts to married couples, averaging $328 saved each year compared to an average South Carolina couple's premiums.
The cheapest car insurance in South Carolina for drivers with bad credit
The best South Carolina car insurance company for customer service
Nationwide was the best company for customer service in South Carolina according to the NAIC.
Recent price drops
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The cheapest large national provider in South Carolina
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average South Carolina driver can expect to pay about $110 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In South Carolina, USAA has the best prices for drivers with speeding tickets, married couples, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around South Carolina
What Influences the Cost of Car Insurance in South Carolina?
On average, car insurance in South Carolina is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in South Carolina is 32 minutes, which is about the national average for a driver in the nation.
- South Carolina state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in South Carolina are about average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- South Carolina is a lightly populated area in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in South Carolina is $87 per month for minimum coverage and $148 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- North Carolina: Insurance costs 41.11% less
- Georgia: Insurance costs 18.18% more
- Virginia: Insurance costs 44.38% less
- Tennessee: Insurance costs 28.35% less
- West Virginia: Insurance costs 12.70% less
- Alabama: Insurance costs 3.16% less
- Kentucky: Insurance costs 71.60% more
- Florida: Insurance costs 163.02% more
- District of Columbia: Insurance costs 41.22% more
- Maryland: Insurance costs 29.36% more
States with Similar Populations
- Arizona: Insurance costs 24.00% more
- Alabama: Insurance costs 3.16% less
- Louisiana: Insurance costs 242.07% more
- Kentucky: Insurance costs 71.60% more
- Kansas: Insurance costs 7.68% less
- Iowa: Insurance costs 41.22% less
- Indiana: Insurance costs 43.70% less
- Illinois: Insurance costs 13.95% less
- Idaho: Insurance costs 51.78% less
- Hawaii: Insurance costs 30.10% less