From the sandy beaches of Hilton Head to the winding curves of the Blue Ridge Mountains, South Carolina has a lot to offer residents looking for a getaway by car. But before you hit the road, the price of car insurance in the Palmetto State might make you stop and reconsider.
While various factors contribute to your insurance rates, some deals are available if you know where to look.
- Key takeaways
- Best car insurance companies in South Carolina
- USAA: Highest customer satisfaction
- State Farm: Best for new drivers
- Progressive: Best for high-risk drivers
- GEICO: Most affordable coverage
- Auto-Owners: Best budget pick
- South Carolina auto insurance requirements
- How to choose a car insurance provider in South Carolina
- How much does car insurance cost in South Carolina?
- South Carolina car insurance rates by city
- Methodology
- FAQs about car insurance costs in South Carolina
Key takeaways
- The best car insurance in South Carolina is USAA, which costs a yearly average of $1,194 for comprehensive coverage.
- In South Carolina, drivers with a clean driving record pay an average of $177 per month.
- The city of Florence has the most expensive car insurance in the state, averaging $2,298 per year.
Best car insurance companies in South Carolina
The best car insurance in South Carolina is USAA, which offers the cheapest full coverage car insurance, costing an average of $1,194 annually. Auto-Owners Insurance provides the lowest minimum coverage, averaging $434 annually.
Farmers Insurance is the most expensive, costing $2,781 per year for full coverage and $1,138 annually for minimum coverage.
Provider | J.D. Power customer satisfaction rating | Estimated annual full coverage | Estimated annual minimum liability coverage |
USAA | 876/1,000 | $1,194/year | $483/year |
State Farm | 847/1,000 | $1,315/year | $576/year |
Progressive | 836/1,000 | $1,859/year | $796/year |
Nationwide | 834/1,000 | $1,654/year | $740/year |
GEICO | 828/1,000 | $1,196/year | $468/year |
Travelers | 818/1,000 | $1,514/year | $745/year |
Auto-Owners | 816/1,000 | $1,296/year | $434/year |
Farmers | 807/1,000 | $2,781/year | $1,138/year |
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Check RatesUSAA: Highest customer satisfaction
USAA earned 876 out of 1,000 in customer satisfaction in South Carolina, the highest score in the state. It also offered the cheapest full coverage insurance but had more expensive minimum coverage. USAA offers multiple policy types, but its coverage is only available to current and former military members and their families.
- USAA has multiple discounts, like the SafePilot program, which can save you up to 30%
- It offers accident forgiveness if you remain accident-free for five years
- Only current and former military members and their families can apply for USAA policies
- You may find better pricing for minimum coverage insurance
State Farm: Best for new drivers
New drivers and their families will likely pay significantly more for car insurance. State Farm’s coverage averages $1,315 annually for full coverage and $576 for minimum coverage. While it is more expensive than other carriers on our list of the best car insurance providers, it offers specific discounts for new drivers and good students that could help you save money.
- State Farm received the second-highest customer satisfaction rating in South Carolina
- It has multiple agents and offices throughout South Carolina
- You’ll likely find cheaper coverage with a competitor
- It doesn’t offer some specialty options like vanishing deductibles
Get a quote now | State Farm review
Progressive: Best for high-risk drivers
Although Progressive costs an average of $1,859 per year for full coverage insurance, it may be a good choice for high-risk drivers. Not only does it provide policies to drivers with at-fault accidents, DUIs, or multiple speeding tickets on their record, but it can also file SR-22 forms required by the courts.
- Progressive has multiple policy options, including accident forgiveness
- It had the third-highest customer service rating in South Carolina
- Progressive was significantly more expensive than some competitors
- Its safe driving program, Snapshot, could raise your insurance rates
Get a quote now | Progressive review
GEICO: Most affordable coverage
GEICO is South Carolina’s second cheapest minimum car insurance provider (averaging $468 annually). Its average price of $1,196 a year is only $2 more than USAA’s coverage, and it is accessible to everyone in South Carolina. It has multiple policy options and discounts to help drivers save more on car insurance. However, you may need to look elsewhere if you want some specialty policies like a vanishing deductible or gap insurance.
- GEICO has lower prices than most of its competitors in South Carolina
- It has multiple discount options, including up to 22% off for being a good driver
- You may be able to find more specialty policies with a competitor
- It earned below-average customer service scores
Get a quote now | GEICO review
Auto-Owners: Best budget pick
Auto-Owners Insurance operates in 26 states, including South Carolina, and only provides policies through independent agents. Its full coverage insurance is more expensive than some competitors, costing an average of $1,296 annually. However, its minimum insurance costs an average of $434 annually and is the lowest-cost option available in South Carolina.
- It had the most affordable minimum car insurance available in South Carolina
- Auto-Owners has policies not found at some competitors, like a common loss deductible
- Auto-Owners had fewer discount options than some competitors
- It earned below-average customer service scores in South Carolina
Get a quote now | Auto-Owners review
South Carolina auto insurance requirements
Most states have minimum insurance requirements to drive legally. In South Carolina, all drivers must have:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Since accidents can get expensive quickly, carrying insurance limits above the state’s minimum requirements is generally a good idea if you can afford to. Work with your insurance agent to find the right balance of coverage and price.
How to choose a car insurance provider in South Carolina
If you’re researching a new car insurance provider, consider the following to ensure you get the best deal:
- Check financial stability: Use a website like Standard & Poor’s or AM Best to check the financial rating of each insurance company. Before you request a quote, confirm that the company is licensed in South Carolina by checking the South Carolina Department of Insurance or the National Association of Insurance Commissioners (NAIC).
- Get multiple quotes: Compare pricing and coverage options from at least three companies and make sure the quoted policies match your current insurance type and limits so you don’t accidentally reduce your insurance coverage.
- Ask for reviews: Ask friends and family for recommendations and check review websites like the Better Business Bureau to see how a company handles problems. Consider using an insurance broker to help you get multiple quotes at one time, but understand the broker’s fees before signing up.
How much does car insurance cost in South Carolina?
The average cost of car insurance in South Carolina is $2,132 per year for full coverage and $653 for minimum insurance. The most expensive car insurance rates are in Florence, where drivers pay, on average, $2,298 yearly. Myrtle Beach drivers pay the least for car insurance, an average of $1,993 annually.
South Carolina car insurance rates by city
Drivers in Florence are likely to pay significantly more for their car insurance than other cities in South Carolina due in part to the high rate of violent crime in the city.
According to the neighborhood analytics website NeighborhoodScout, Florence is considered one of the country’s top 100 most dangerous cities. A person’s chance of becoming a victim of property crime in Florence is one in 18, which means insurance companies will see more claims, leading to higher insurance rates.
City | Avg. annual full-coverage premium |
Florence | $2,298/year |
Rock Hill | $2,072/year |
Columbia | $2,059/year |
Charleston | $2,041/year |
Greenville | $2,022/year |
Myrtle Beach | $1,993/year |
Methodology
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in South Carolina
What are the minimum car insurance coverage requirements in South Carolina?
The minimum car insurance coverage requirements in South Carolina are $25,000 per person, $50,000 per accident in bodily liability insurance, and $25,000 in property damage liability per accident.
How much does car insurance cost in South Carolina?
The average cost of car insurance in South Carolina is $2,132 a year for full coverage and $653 annually for minimum coverage.
Which car insurance companies cover South Carolina?
Many car insurance companies cover South Carolina, including USAA, State Farm, Farmers, Progressive, GEICO, Nationwide, and Auto-Owners.
What is the cheapest car insurance company in South Carolina?
The cheapest car insurance in South Carolina is USAA, which costs $1,194 yearly for full coverage, followed closely by GEICO at $1,196 annually.
Auto-Owners has the cheapest minimum coverage car insurance, costing an annual average of $434.