South Carolina government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in South Carolina. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In South Carolina, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

South Carolina minimum car insurance requirements

The minimum car insurance requirements in South Carolina are as follows:

Minimum liability coverage limitsAverage annual premiumOther types of insurance required (if any)
25/50/25$720UMBI and UMPD
Data updated in 2024
Read our methodology

Remember that if you have a loan on your car, you’re required to carry full coverage, which includes collision and comprehensive.

Best low income car insurance in South Carolina

Auto-Owners came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in South Carolina and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in South Carolina.

CompanyAverage annual premiumJ.D. PowerAM BestNAICInsurance.com score
Auto-Owners$415859A++0.53.99
Travelers$712851A++0.493.38
State Farm$621807A++0.73.37
Geico$512847A++0.913.22
Progressive$560828A+0.653.17
Allstate$619816A+0.653.15
Data updated in 2024
Read our methodology

Cheap car insurance in South Carolina for low-income individuals

Based on state-minimum coverage, we found that the cheapest car insurance company in South Carolina is Auto-Owners at an average rate of $415 a year.

When you’re working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in South Carolina to find the cheapest options on average.

Company nameAverage annual premiumAverage monthly premium
Auto-Owners$415$35
Geico$512$43
Progressive$560$47
Allstate$619$52
State Farm$621$52
Southern Farm Bureau$686$57
Travelers$712$59
Sentry Insurance$1,999$167
USAA$444$37
Data updated in 2024
Read our methodology

Car insurance discounts in South Carolina for low-income drivers

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in South Carolina can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type% Discount
Years Licensed26%
Years Insured15%
Loyalty - Years Renewal With Company11%
Payment Type11%
Marital Status10%
Profession9%
Primary Use9%
Multi Policy9%
Telematics8%
Days Advanced Purchase7%
Daily Commute7%
Lower Annual Mileage6%
Homeowner5%
Days Per Week Driven5%
Electronic Funds Transfer4%
Safety Devices4%
Education3%
Paperless/Electornic Documents3%
Anti-Theft Device1%
Air Bags1%
Data updated in 2024
Read our methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in South Carolina: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In South Carolina, the cheapest car insurance company is Auto-Owners. However, that’s based on average rates and may differ for you, so it’s important to shop around.

Does South Carolina have car insurance for low-income individuals?

No, South Carolina doesn’t offer a car insurance program for low-income individuals or families.

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