- Best car insurance companies in South Carolina: State Farm
- Cheapest car insurance companies in South Carolina: Auto-Owners
- Average cost of car insurance in South Carolina
- South Carolina car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in South Carolina
- Cheapest car insurance cost in South Carolina by age
- Cheapest car insurance companies in South Carolina by driver profile
- Compare auto insurance rates by city in South Carolina
- Car insurance premium trends in South Carolina
- Methodology
- Compare South Carolina car insurance rates with other states
Best car insurance companies in South Carolina: State Farm
State Farm is the best car insurance company in South Carolina, based on our data analysis with an overall rating of 4.48. Auto-Owners, Travelers, GEICO, Progressive and Allstate are among the top car insurance companies in South Carolina.
Below is a full list of the top South Carolina insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 673 | 0.79 | $2,106 | 4.48 |
| Auto-Owners | A+ | 650 | 0.54 | $1,475 | 4.46 |
| Travelers | A++ | 642 | 0.52 | $1,949 | 4.19 |
| GEICO | A++ | 651 | 0.69 | $2,054 | 4.17 |
| Progressive | A+ | 637 | 0.71 | $1,816 | 3.91 |
| Allstate | A+ | 634 | 1.1 | $2,336 | 3.28 |
| USAA | A++ | 759 | 1.18 | $1,451 | 4.5 |
Cheapest car insurance companies in South Carolina: Auto-Owners
Based on a rate analysis by Insurance.com, Auto-Owners is the cheapest full coverage car insurance company in South Carolina, with average rates of $1,715 a year or $143 monthly. USAA offers cheaper rates if you are eligible. Auto-Owners also offers cheaper liability car insurance in South Carolina at $751 per year, on average.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in South Carolina and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Auto-Owners | $533 | $751 | $1,715 |
| Nationwide | $876 | $935 | $2,130 |
| Southern Farm Bureau | $686 | $915 | $2,310 |
| Travelers | $790 | $1,096 | $2,342 |
| GEICO | $571 | $846 | $2,417 |
| Progressive | $597 | $907 | $2,666 |
| Allstate | $668 | $905 | $2,806 |
| State Farm | $1,037 | $1,352 | $3,133 |
| USAA | $371 | $560 | $1,772 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in South Carolina
The average cost of car insurance in South Carolina is $2,367 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in South Carolina is $682.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in South Carolina
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Cleveland | $998 | $83 |
| Richland | $996 | $83 |
| Pauline | $996 | $83 |
| Aiken | $995 | $83 |
| Pomaria | $994 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Batesburg-leesville | $1,002 | $83 |
| Graniteville | $1,002 | $83 |
| Williamston | $1,004 | $84 |
| Chesnee | $1,004 | $84 |
| Simpsonville | $1,005 | $84 |
The South Carolina Department of Insurance says...
Uninsured motorists coverage protects the policyholder directly. This coverage pays if you are injured and/or your property is damaged by a hit-and-run driver or an uninsured driver. South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). There is typically a $200 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
- The South Carolina Department of InsuranceSouth Carolina car insurance requirements
You need car insurance with minimum coverage levels of 25/50/25 in South Carolina, which costs $682 each year or $57 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for South Carolina:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $25,000 per accident
- Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident
- Uninsured motorist property damage coverage: $25,000 per accident
Cheapest car insurance companies for minimum liability coverage in South Carolina
According to Insurance.com, Auto-Owners has the cheapest state minimum liability coverage at $751 per year or $63 each month.
Here are the most affordable car insurance companies for state minimum coverage in South Carolina.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Auto-Owners | $751 | $63 |
| GEICO | $846 | $70 |
| Allstate | $905 | $75 |
| Progressive | $907 | $76 |
| Southern Farm Bureau | $915 | $76 |
| Nationwide | $935 | $78 |
| Travelers | $1,096 | $91 |
| State Farm | $1,352 | $113 |
| USAA | $560 | $47 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in South Carolina by age
In South Carolina, car insurance rates are higher for teenagers as they are more prone to accidents.
Auto-Owners offers the cheapest car insurance for a 16-year-old driver in South Carolina at $5,185 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In South Carolina, Auto-Owners offers the cheapest car insurance for a 25-year-old driver at $2,274 per year. Auto-Owners offers the cheapest car insurance for a 65-year-old driver at $1,700 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Auto-Owners | $5,185 | $432 |
| Southern Farm Bureau | $5,269 | $439 |
| GEICO | $7,141 | $595 |
| USAA | $8,496 | $708 |
| Allstate | $9,176 | $765 |
| Travelers | $9,249 | $771 |
| State Farm | $10,368 | $864 |
| Nationwide | $11,798 | $983 |
| Progressive | $14,219 | $1,185 |
| Sentry Insurance | $15,116 | $1,260 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in South Carolina by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance. In South Carolina, Auto-Owners offers the cheapest car insurance rates for drivers with an accident, at $2,295 per year. However, the severity and frequency of the incidents will also affect insurance rates.
Auto-Owners also offers the cheapest car insurance in South Carolina for drivers with speeding tickets at an average of $2,400 per year. USAA offers cheaper rates for drivers with a speeding ticket but has eligibility criteria.
Below are the average South Carolina insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| GEICO | $2,417 | $3,509 | $0 |
| Auto-Owners | $1,715 | $2,295 | $2,400 |
| Travelers | $2,342 | $3,194 | $3,309 |
| Nationwide | $2,130 | $3,500 | $3,359 |
| State Farm | $3,133 | $3,726 | $3,371 |
| Progressive | $2,666 | $4,572 | $3,585 |
| Allstate | $2,806 | $4,598 | $3,641 |
| USAA | $1,772 | $2,657 | $2,184 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in South Carolina
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in South Carolina will impact what you pay. Below, we've gathered South Carolina car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Anderson | $1,931 |
Eastover | $2,065 |
Car insurance premium trends in South Carolina
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in South Carolina to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare South Carolina car insurance rates with other states
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