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.
- Best car insurance companies in South Carolina
- Cheapest car insurance companies in South Carolina
- Cheapest car insurance for teens in South Carolina
- Cheapest car insurance for young drivers in South Carolina
- Cheapest car insurance for adults in South Carolina
- Cheapest car insurance for seniors in South Carolina
- Cheapest car insurance rates in South Carolina by driving record
- Average cost of car insurance in South Carolina
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.
| Company | Auto star ratings |
|---|---|
| USAA | 5.0 |
| Allstate | 4.8 |
| Hartford | 3.9 |
| Geico | 3.9 |
| Nationwide | 3.6 |
| Progressive | 3.5 |
| Auto-Owners | 3.4 |
| Travelers | 3.1 |
| MetLife | 3.0 |
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.
| Company | Average annual premium | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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 rate | Full coverage average annual rate |
|---|---|
| $528 | $1,473 |