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United Svcs Automobile offers the cheapest car insurance rates in South Carolina for full coverage, at $947 annually, or $79 per month. Whereas USAA is rated as the best car insurance company in South Carolina, based on Insurance.com's analysis.

There are a lot of different car insurance companies in South Carolina, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • USAA offers the best car insurance rates in South Carolina among the companies analyzed by Insurance.com.
  • In South Carolina, United Svcs Automobile provides the cheapest car insurance at $947 per year.
  • Car insurance rates differ with various driving profiles. Nationwide offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in South Carolina. The insurance premium is $1,613 per year.

Best car insurance companies in South Carolina

USAA is the best car insurance company in South Carolina with a 5.0 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across South Carolina to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in South Carolina.

CompanyAuto star ratings
USAA5.0
Allstate4.8
Hartford3.9
Geico3.9
Nationwide3.6
Progressive3.5
Auto-Owners3.4
Travelers3.1
MetLife3.0

Cheapest car insurance companies in South Carolina

United Svcs Automobile is the cheapest car insurance company in South Carolina that offers full coverage car insurance at an average rate of $947 annually or $79 a month.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$947$79
Nationwide General$952$79
Travelers Property Cas$964$80
Owners$1,113$93
Government Employees$1,139$95
Progressive Northern$1,178$98
State Farm Mutl Automobile Ins$1,300$108
Allstate F&C$1,614$135
Main St Am Protection$2,183$182
Bristol West$3,341$278

Cheapest car insurance for teens in South Carolina

Government Employees offers the cheapest car insurance for teens in South Carolina at about $2,981 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in South Carolina for teens.

CompanyAverage annual premium
Government Employees$2,981
State Farm Mut Auto$3,761
Travelers Prop Cas$4,186
Allstate Fire & Cas$4,799
Nationwide Gen$5,797
Progressive Northern$8,024

Cheapest car insurance for young drivers in South Carolina

Government Employees is the cheapest car insurance company for young drivers in South Carolina. Its average annual premium is $1,945 annually or $162 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Government Employees$1,945
Travelers Prop Cas$1,952
State Farm Mut Auto$2,311
Progressive Northern$2,434
Nationwide Gen$2,872
Allstate Fire & Cas$3,066

Cheapest car insurance for adults in South Carolina

Government Employees offers the cheapest car insurance for adults in South Carolina for a full coverage policy with an average annual premium of $1,268 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Government Employees$1,268
Travelers Prop Cas$1,380
Progressive Northern$1,417
State Farm Mut Auto$1,482
Nationwide Gen$1,708
Allstate Fire & Cas$2,017

Cheapest car insurance for seniors in South Carolina

Progressive Northern is the cheapest car insurance company for seniors in South Carolina. Its average annual premium is $1,210 a year or about $101 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Progressive Northern$1,210
Government Employees$1,333
Travelers Prop Cas$1,370
State Farm Mut Auto$1,392
Nationwide Gen$1,538
Allstate Fire & Cas$2,159

Cheapest car insurance rates in South Carolina by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in South Carolina is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in South Carolina.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to South Carolina drivers at an average of $1,884 a year.

Compare average annual premium of cheapest car insurance companies in South Carolina for drivers with poor credit.

CompanyAverage annual premium
Nationwide$1,884
Travelers$2,501
State Farm$3,008
Progressive$3,009
Government Employees$3,029
Allstate$3,268
United$3,317
Owners$3,801
Bristol West$5,539
Main St Am Protection$7,938

Cheapest auto insurance for drivers with a speeding ticket: Government Employees

Government Employees offers the cheapest car insurance for drivers with a speeding ticket at about $1,377 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
Government Employees$1,377
State Farm$1,613
Owners$1,702
Nationwide$1,725
United$1,727
Travelers$1,958
Progressive$2,227
Allstate$2,618
Main St Am Protection$3,623
Bristol West$5,622

Cheapest auto insurance after an at-fault accident: State Farm

State Farm has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,778 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
State Farm$1,778
Owners$1,819
Nationwide$1,925
Travelers$1,943
Government Employees$1,993
United$1,997
Progressive$2,822
Allstate$3,311
Main St Am Protection$4,039
Bristol West$5,986

Cheapest auto insurance after a DUI: State Farm

The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $1,613 a year or $134 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
State Farm$1,613
Travelers$2,038
Progressive$2,104
Nationwide$2,321
United$2,609
Owners$2,687
Allstate$2,753
Government Employees$3,295
Main St Am Protection$3,497
Bristol West$5,426

Average cost of car insurance in South Carolina

The average annual cost of car insurance in South Carolina for a full coverage policy is $1,473. For full coverage, the recommended coverage limits for South Carolina drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in South Carolina is $528.

State minimum average annual rateFull coverage average annual rate
$528$1,473