Cheapest Car Insurance in South Carolina (2022)
We found that State Farm has the cheapest auto insurance rates in South Carolina, with an average $64 a month for minimum-coverage car insurance and $112 for full coverage. Allstate has the second-cheapest rates, with an average $66 a month for minimum coverage and $129 for full coverage.
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Who has the cheapest car insurance in South Carolina?
If you have a clean driving record in South Carolina, State Farm and Allstate have the most affordable rates for minimum- and full-coverage auto insurance. Both providers fall under South Carolina's average minimum-coverage rate of $124 a month and full-coverage rate of $226 a month.
Cheapest minimum-coverage car insurance in South Carolina
State Farm has the most affordable average rate for minimum-coverage car insurance in South Carolina, at $64 a month. Allstate has the next-cheapest rate, at $66 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $64 |
| Allstate | $66 |
| Progressive | $81 |
| Farm Bureau | $89 |
| Amica | $144 |
| Auto-Owners | $164 |
| Travelers | $169 |
| South Carolina Insurance | $217 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance, also known as liability auto insurance, covers damage and injuries you cause to other people. Most states require drivers to carry at least a certain amount of liability auto insurance coverage. South Carolina's minimum coverage limits are:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $25,000
You are also required to have at least the following amount of uninsured motorist car insurance:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
- Uninsured motorist property damage: $25,000
Cheapest full-coverage car insurance in South Carolina
South Carolina drivers looking for full-coverage auto insurance pay the lowest rate with State Farm, at $112 a month, on average. Allstate has the next-cheapest average rate of $129 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $112 |
| Allstate | $129 |
| Farm Bureau | $143 |
| Progressive | $152 |
| Amica | $253 |
| Travelers | $276 |
| Auto-Owners | $326 |
| South Carolina Insurance | $413 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance combines liability coverage with collision and comprehensive coverages. Liability coverage itself does nothing for your own damages or injuries after an accident, making full coverage valuable to many drivers. While states do not require full-coverage auto insurance by law, a lender will likely require you to carry it if you finance your car.
Get cheap auto insurance in South Carolina
Cheapest car insurance for drivers with an accident history
If you're a South Carolina driver with an accident on your record, you'll find the cheapest rate for minimum-coverage car insurance with State Farm, at $134 a month. Farm Bureau is the next most affordable choice, at $183 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $134 |
| Farm Bureau | $183 |
| Allstate | $225 |
| Progressive | $270 |
| Travelers | $320 |
| Amica | $376 |
| Auto-Owners | $465 |
| South Carolina Insurance | $519 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for drivers with a DUI
Drivers in South Carolina with a DUI get the most affordable rate for car insurance with State Farm, at $120 a month. Farm Bureau is the next cheapest, with an average rate of $170 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Farm Bureau | $170 |
| Allstate | $179 |
| Progressive | $209 |
| Travelers | $361 |
| Amica | $467 |
| South Carolina Insurance | $544 |
| Auto-Owners | $714 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In South Carolina, a DUI stays on your criminal record forever and on your driving record for 10 years. A first-offense DUI with a BAC of at least 0.08 carries the following penalties:
- Up to 48 hours to 30 days in jail.
- Up to $400 in fines.
- Six-month license suspension.
If your license is suspended, you'll need to file an SR-22 to reinstate it. An SR-22 acts as proof that you carry South Carolina's minimum-coverage car insurance. After a first-time license suspension due to a DUI, South Carolina drivers are required to carry an SR-22 for a minimum of three consecutive years.
Cheapest car insurance for drivers with a speeding ticket
South Carolina drivers with a ticket can find their best rate for minimum-coverage car insurance with State Farm, at an average rate of $120 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Allstate | $169 |
| Farm Bureau | $170 |
| Progressive | $209 |
| Travelers | $303 |
| Amica | $315 |
| Auto-Owners | $326 |
| South Carolina Insurance | $481 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance companies for teen drivers
Allstate, Nationwide and Progressive have the cheapest car insurance rates for South Carolina teens, whether you're looking for minimum- or full-coverage policies, or you have dings on your driving record.
An 18-year-old driver in South Carolina pays an average $364 a month for minimum-coverage car insurance, or $658 for full coverage. Teen drivers pay the most for car insurance of any age demographic. This is due to teen drivers being considered high risk due to their inexperience behind the wheel.
Cheapest minimum-coverage car insurance for teens
South Carolina teens get the most affordable rates for minimum-coverage car insurance with Allstate, at $163 a month, on average. State Farm is the second cheapest, at $191 a month.
| Company | Monthly rate |
|---|---|
| Allstate | $163 |
| State Farm | $191 |
| Farm Bureau | $199 |
| Amica | $320 |
| South Carolina Insurance | $466 |
| Travelers | $485 |
| Progressive | $521 |
| Auto-Owners | $568 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance for teen drivers
If you're a South Carolina teen looking for full-coverage car insurance, your cheapest rate is with Nationwide, at $300 a month. Progressive is the next cheapest, at $335 a month.
| Company | Monthly rate |
|---|---|
| Nationwide | $300 |
| Progressive | $335 |
| Allstate | $353 |
| Travelers | $571 |
| State Farm | $806 |
| Amica | $901 |
| Auto-Owners | $981 |
| South Carolina Insurance | $1,020 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens after an accident
If you're a South Carolina teen with an accident on your insurance record, Nationwide has the lowest rate for you at $395 a month. Progressive is the next cheapest at $411 a month.
| Company | Monthly rate |
|---|---|
| Nationwide | $395 |
| Progressive | $411 |
| Allstate | $632 |
| Travelers | $655 |
| State Farm | $916 |
| Amica | $1,051 |
| Auto-Owners | $1,089 |
| South Carolina Insurance | $1,517 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a DUI
Teen drivers in South Carolina with a DUI offense get the lowest rates from Progressive, at $362 a month. Nationwide is right behind, with an average rate of $368 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $362 |
| Nationwide | $368 |
| Allstate | $505 |
| Travelers | $888 |
| Auto-Owners | $976 |
| State Farm | $1,059 |
| Amica | $1,107 |
| South Carolina Insurance | $2,500 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a speeding ticket
South Carolina teens with a speeding ticket on their record can find the cheapest minimum-coverage car insurance with Progressive, at $362 a month. Nationwide is the next cheapest, with an average rate of $368 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $362 |
| Nationwide | $368 |
| Allstate | $473 |
| Travelers | $636 |
| State Farm | $898 |
| Amica | $962 |
| Auto-Owners | $1,002 |
| South Carolina Insurance | $1,193 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in South Carolina
Progressive has the lowest car insurance rates straight down the line for South Carolina senior drivers. If you're looking for minimum or full coverage, or you have accidents, DUIs or speeding tickets on your record, Progressive has the best rates for you.
Comparing quotes from multiple providers is a smart idea if you're looking for auto insurance. Seniors pay higher rates than younger drivers, except for teens, due to the risk that comes with decreased reflex time as we age. For comparison, seniors in South Carolina pay an average of $119 a month for minimum-coverage car insurance, or $207 for full coverage.
Cheapest minimum-coverage auto insurance for seniors
For senior drivers looking for minimum-coverage car insurance in South Carolina, Progressive has the cheapest average rate of $62 a month. Allstate has the next-lowest rate of $63 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $62 |
| Allstate | $63 |
| Auto-Owners | $70 |
| Nationwide | $82 |
| Travelers | $140 |
| State Farm | $145 |
| South Carolina Insurance | $166 |
| Amica | $226 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for seniors
Progressive has the cheapest average rate of $105 a month for South Carolina seniors looking for full-coverage auto insurance. Allstate has the next most affordable average rate of $117 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $105 |
| Allstate | $117 |
| Auto-Owners | $123 |
| Nationwide | $129 |
| State Farm | $226 |
| Travelers | $237 |
| South Carolina Insurance | $310 |
| Amica | $412 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with an accident record
If you have an accident on your auto insurance record, Progressive has the lowest rate for seniors in South Carolina, at $126 a month. Nationwide is the next cheapest, at $165 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $126 |
| Nationwide | $165 |
| Allstate | $206 |
| Auto-Owners | $241 |
| State Farm | $300 |
| Travelers | $381 |
| South Carolina Insurance | $442 |
| Amica | $520 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors after a DUI
Seniors with a DUI in South Carolina pay the lowest rate for car insurance with Progressive, at $112 a month. Nationwide is the next-cheapest provider, with an average rate of $153 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $112 |
| Nationwide | $153 |
| Allstate | $164 |
| Auto-Owners | $178 |
| State Farm | $339 |
| Travelers | $435 |
| Amica | $545 |
| South Carolina Insurance | $681 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a speeding ticket
Senior drivers with a speeding ticket can find their lowest car insurance rate with Progressive, at $112 a month. Nationwide has the next-lowest rate of $153 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $112 |
| Nationwide | $153 |
| Allstate | $154 |
| Auto-Owners | $178 |
| State Farm | $248 |
| Travelers | $294 |
| South Carolina Insurance | $310 |
| Amica | $480 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find the cheapest car insurance where you live
Cheapest car insurance rates in South Carolina by city
Greenville has the cheapest rate for minimum-coverage auto insurance among South Carolina’s largest cities, at $112 a month. Rock Hill has the next-lowest average rate of $115 a month, followed closely by Mount Pleasant, at $116 a month.
| City | Monthly rate |
|---|---|
| Greenville | $112 |
| Rock Hill | $115 |
| Mount Pleasant | $116 |
| Sumter | $120 |
| Columbia | $122 |
| Florence | $126 |
| Charleston | $129 |
| Goose Creek | $134 |
| North Charleston | $138 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What are South Carolina's car insurance requirements?
South Carolina drivers are required by law to have the following minimum car insurance coverages:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $25,000
Drivers are also required to carry the following uninsured motorist car insurance limits:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
- Uninsured motorist property damage: $25,000
Keep in mind that South Carolina's minimum-coverage car insurance limits are required, not recommended, limits. While they may seem sufficient, they can quickly be eaten up if your insurer has to pay for a long hospital stay or court hearing. Any expenses over your coverage limits will come out of your pocket. To keep this from happening and maintain your peace of mind, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in South Carolina:
- Allstate
- Amica
- Auto-Owners
- Nationwide
- Progressive
- South Carolina Insurance
- State Farm
- Travelers
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
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