Cheapest Car Insurance in South Carolina (2025)
Best cheap car insurance in South Carolina
Cheapest full-coverage car insurance in South Carolina: Auto-Owners
While Geico’s average rate is a bit higher than Auto-Owners, Geico offers more discounts than Auto-Owners does. Getting a few of them could make Geico your cheapest option. Keep an eye out for both companies’ discounts when you compare car insurance quotes.
USAA has the overall cheapest rate for full coverage Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. in South Carolina — however, it only sells car insurance to military members and their families.
Cheapest company for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Auto-Owners | $1,460 |  |
 | Geico | $1,531 |  |
 | Farm Bureau | $1,555 |  |
 | Nationwide | $1,891 |  |
 | Travelers | $1,909 |  |
 | State Farm | $1,981 | |
 | Progressive | $2,174 | |
 | Allstate | $2,561 | |
 | USAA* | $1,245 | |
Cheap liability-only auto insurance in South Carolina: Auto-Owners
Auto-Owners’ and Geico’s average rates for liability-only insurance are close enough that discounts could make a big difference. So could add-on coverages. In particular, Auto-Owners has an add-on that waives its accident surcharge after your first at-fault accident.
South Carolina law requires drivers to buy at least the state’s minimum amount of liability car insurance, which covers the medical and property damage bills of others after you cause an accident.
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| Auto-Owners | $634 |
| Geico | $654 |
| Farm Bureau | $746 |
| Progressive | $811 |
| State Farm | $907 |
| Nationwide | $914 |
| Travelers | $927 |
| Allstate | $1,267 |
| USAA* | $357 |
South Carolina’s best car insurance for young drivers: Farm Bureau
Parents looking to get cheap car insurance for a young driver in your home should add them to your current car insurance policy. Your rate will increase, but it should still be cheaper than if you each had your own policies.
Cheapest companies for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| Farm Bureau | $1,721 | $2,885 |
| Geico | $2,067 | $4,158 |
| Auto-Owners | $2,423 | $4,506 |
| Travelers | $2,503 | $4,649 |
| State Farm | $2,970 | $5,549 |
| Allstate | $3,325 | $6,921 |
| Nationwide | $3,358 | $6,877 |
| Progressive | $3,876 | $9,695 |
| USAA* | $1,555 | $4,692 |
Cheap car insurance after a ticket in South Carolina: Auto-Owners
After getting a speeding ticket in South Carolina, you can expect your car insurance to go up around 19%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Auto-Owners | $1,460 |
| Geico | $1,531 |
| Farm Bureau | $1,702 |
| State Farm | $2,132 |
| Nationwide | $2,265 |
| Travelers | $2,413 |
| Progressive | $3,011 |
| Allstate | $3,329 |
| USAA* | $1,522 |
Best car insurance in South Carolina after an accident: Farm Bureau
The average South Carolina driver sees their car insurance rate go up about 45% after an accident.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,971 |
| Auto-Owners | $2,039 |
| Geico | $2,203 |
| State Farm | $2,359 |
| Travelers | $2,578 |
| Nationwide | $2,796 |
| Progressive | $3,674 |
| Allstate | $4,323 |
| USAA* | $1,772 |
Best insurance for South Carolina teens with an accident or ticket: Farm Bureau
Geico offers full-time students with a good academic record a discount of up to 15%. You can also earn a discount if a young driver in your family has completed a qualifying driver’s education course.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $2,014 | $2,297 |
| Geico | $2,067 | $2,310 |
| Auto-Owners | $2,888 | $3,763 |
| State Farm | $3,293 | $3,777 |
| Travelers | $3,386 | $3,578 |
| Nationwide | $3,569 | $3,664 |
| Progressive | $4,360 | $4,659 |
| Allstate | $4,580 | $6,393 |
| USAA* | $2,060 | $2,484 |
Cheap South Carolina car insurance rates after a DUI: Farm Bureau
After a DUI (driving under the influence) conviction, most South Carolina drivers see their car insurance go up by an average of 71%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Farm Bureau | $1,827 |
| Travelers | $2,716 |
| Progressive | $2,823 |
| Auto-Owners | $3,186 |
| Nationwide | $3,498 |
| Allstate | $3,555 |
| Geico | $3,625 |
| State Farm | $4,451 |
| USAA* | $2,277 |
South Carolina’s cheapest car insurance for bad credit: Farm Bureau
Nationwide offers a SmartRide program that can lower your car insurance rate by tracking your safe driving habits.
Insurance companies see a connection between credit score and the chances of filing a claim, and charge higher car insurance rates to offset costs. Learn your credit score for free at LendingTree Spring before you shop for insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Farm Bureau | $2,804 |
| Nationwide | $2,887 |
| Travelers | $3,272 |
| Geico | $3,368 |
| Progressive | $3,547 |
| Allstate | $3,920 |
| Auto-Owners | $4,468 |
| State Farm | $7,490 |
| USAA* | $1,936 |
Best car insurance companies in South Carolina
Both Auto Owners and State Farm have above-average J.D. Power ratings and great financial backing to fulfill claims.
South Carolina car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Auto-Owners | 654 | A++ | |
| Farm Bureau | 673 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Auto-Owners has some noteworthy car insurance coverages. If your car is damaged in an accident, it might be worth less than it was before the accident, even after repairs. Auto-Owners’ Diminished Value add-on covers that loss in value.
State Farm has add-ons that cover car rentals and travel expenses after an accident. The first helps pay for a rental car while your own vehicle is in the shop. The second helps pay for meals, lodging and transportation if you’re in an accident more than 50 miles from home.
While Farm Bureau has the cheapest rates and best customer satisfaction rating for most young drivers, as well as drivers with bad driving records in South Carolina, it does worse than Auto-Owners and State Farm in the areas of financial strength and coverage options.
South Carolina insurance rates by city
Charleston, the state’s largest city, pays $2,085 a year for car insurance. The second-largest city, Columbia, pays an average rate of $1,970 a year. North Charleston, the third-largest city, pays $2,153.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abbeville | $1,722 | -10% |
| Adams Run | $2,189 | 15% |
| Aiken | $1,688 | -11% |
| Alcolu | $1,931 | 1% |
| Allendale | $2,241 | 18% |
| Anderson | $1,762 | -8% |
| Andrews | $2,020 | 6% |
| Arcadia | $1,855 | -3% |
| Arcadia Lakes | $1,927 | 1% |
| Arial | $1,709 | -10% |
| Awendaw | $1,947 | 2% |
| Aynor | $2,000 | 5% |
| Ballentine | $1,995 | 5% |
| Bamberg | $1,935 | 2% |
| Barnwell | $1,937 | 2% |
| Batesburg | $1,798 | -6% |
| Batesburg-leesville | $1,748 | -8% |
| Bath | $1,750 | -8% |
| Beaufort | $1,817 | -5% |
| Beech Island | $1,773 | -7% |
| Belton | $1,802 | -5% |
| Belvedere | $1,736 | -9% |
| Bennettsville | $1,910 | 0% |
| Berea | $1,897 | 0% |
| Bethera | $2,247 | 18% |
| Bethune | $1,867 | -2% |
| Bishopville | $1,996 | 5% |
| Blacksburg | $1,811 | -5% |
| Blackstock | $1,981 | 4% |
| Blackville | $1,936 | 2% |
| Blair | $1,971 | 3% |
| Blenheim | $1,988 | 4% |
| Bluffton | $1,795 | -6% |
| Blythewood | $1,904 | 0% |
| Boiling Springs | $1,742 | -9% |
| Bonneau Beach | $2,028 | 6% |
| Bowling Green | $1,887 | -1% |
| Bowman | $2,009 | 5% |
| Bradley | $1,766 | -7% |
| Branchville | $2,034 | 7% |
| Briarcliffe Acres | $1,783 | -6% |
| Brookdale | $2,042 | 7% |
| Brunson | $2,234 | 17% |
| Buffalo | $1,857 | -3% |
| Burnettown | $1,691 | -11% |
| Burton | $1,830 | -4% |
| Cades | $2,015 | 6% |
| Calhoun Falls | $1,721 | -10% |
| Camden | $1,890 | -1% |
| Cameron | $2,030 | 7% |
| Campobello | $1,731 | -9% |
| Canadys | $2,336 | 23% |
| Carlisle | $1,834 | -4% |
| Cassatt | $1,868 | -2% |
| Catawba | $1,806 | -5% |
| Cayce | $1,883 | -1% |
| Centerville | $1,735 | -9% |
| Central | $1,622 | -15% |
| Central Pacolet | $1,796 | -6% |
| Chapin | $1,897 | 0% |
| Chappells | $1,748 | -8% |
| Charleston | $2,085 | 9% |
| Charleston AFB | $2,098 | 10% |
| Cheraw | $1,825 | -4% |
| Cherryvale | $1,934 | 2% |
| Chesnee | $1,738 | -9% |
| Chester | $1,866 | -2% |
| Chesterfield | $1,807 | -5% |
| City View | $1,930 | 1% |
| Clarks Hill | $1,784 | -6% |
| Clearwater | $1,747 | -8% |
| Clemson | $1,646 | -14% |
| Cleveland | $1,729 | -9% |
| Clifton | $1,883 | -1% |
| Clinton | $1,743 | -9% |
| Clio | $1,950 | 2% |
| Clover | $1,809 | -5% |
| Columbia | $1,970 | 3% |
| Conestee | $1,895 | -1% |
| Converse | $1,878 | -1% |
| Conway | $1,989 | 4% |
| Coosawhatchie | $2,139 | 12% |
| Cope | $1,957 | 3% |
| Cordesville | $2,110 | 11% |
| Cordova | $1,995 | 5% |
| Cottageville | $2,155 | 13% |
| Coward | $2,068 | 9% |
| Cowpens | $1,840 | -3% |
| Crocketville | $2,380 | 25% |
| Cross | $2,130 | 12% |
| Cross Anchor | $1,856 | -3% |
| Cross Hill | $1,730 | -9% |
| Dale | $2,116 | 11% |
| Dalzell | $1,947 | 2% |
| Darlington | $1,981 | 4% |
| Daufuskie Island | $1,807 | -5% |
| Davis Station | $2,062 | 8% |
| Denmark | $1,961 | 3% |
| Dentsville | $2,012 | 6% |
| Dillon | $2,021 | 6% |
| Donalds | $1,743 | -9% |
| Dorchester | $2,066 | 8% |
| Drayton | $1,798 | -6% |
| Due West | $1,751 | -8% |
| Duncan | $1,801 | -5% |
| Dunean | $1,887 | -1% |
| Early Branch | $2,190 | 15% |
| Easley | $1,728 | -9% |
| East Gaffney | $1,804 | -5% |
| East Sumter | $1,997 | 5% |
| Eastover | $2,017 | 6% |
| Edgefield | $1,755 | -8% |
| Edgemoor | $1,879 | -1% |
| Edisto | $2,006 | 5% |
| Edisto Island | $2,205 | 16% |
| Effingham | $2,036 | 7% |
| Ehrhardt | $2,071 | 9% |
| Elgin | $1,965 | 3% |
| Elko | $1,915 | 1% |
| Elliott | $2,034 | 7% |
| Elloree | $1,978 | 4% |
| Enoree | $1,745 | -8% |
| Estill | $2,275 | 19% |
| Eureka Mill | $1,858 | -2% |
| Eutawville | $2,038 | 7% |
| Fair Play | $1,641 | -14% |
| Fairfax | $2,267 | 19% |
| Fairforest | $1,831 | -4% |
| Five Forks | $1,743 | -9% |
| Florence | $2,017 | 6% |
| Folly Beach | $2,000 | 5% |
| Forest Acres | $1,963 | 3% |
| Forestbrook | $1,881 | -1% |
| Fork | $1,977 | 4% |
| Fort Lawn | $1,922 | 1% |
| Fort Mill | $1,785 | -6% |
| Fountain Inn | $1,716 | -10% |
| Furman | $2,261 | 19% |
| Gable | $2,017 | 6% |
| Gadsden | $2,048 | 7% |
| Gaffney | $1,799 | -6% |
| Galivants Ferry | $1,998 | 5% |
| Gantt | $1,835 | -4% |
| Garden City | $1,834 | -4% |
| Garnett | $2,214 | 16% |
| Gaston | $1,993 | 5% |
| Gayle Mill | $1,862 | -2% |
| Georgetown | $1,973 | 4% |
| Gifford | $2,203 | 16% |
| Gilbert | $1,852 | -3% |
| Glendale | $1,871 | -2% |
| Gloverville | $1,694 | -11% |
| Golden Grove | $1,770 | -7% |
| Goose Creek | $2,090 | 10% |
| Gramling | $1,742 | -9% |
| Graniteville | $1,698 | -11% |
| Gray Court | $1,710 | -10% |
| Great Falls | $2,045 | 7% |
| Greeleyville | $1,967 | 3% |
| Green Pond | $2,186 | 15% |
| Green Sea | $1,994 | 5% |
| Greenville | $1,834 | -4% |
| Greenwood | $1,715 | -10% |
| Greer | $1,776 | -7% |
| Gresham | $2,049 | 8% |
| Grover | $2,172 | 14% |
| Hamer | $2,048 | 7% |
| Hampton | $2,237 | 17% |
| Hanahan | $2,066 | 8% |
| Hardeeville | $1,954 | 3% |
| Harleyville | $2,021 | 6% |
| Hartsville | $1,936 | 2% |
| Heath Springs | $1,977 | 4% |
| Hemingway | $1,990 | 4% |
| Hickory Grove | $1,786 | -6% |
| Hilda | $1,931 | 1% |
| Hilton Head Island | $1,741 | -9% |
| Hodges | $1,715 | -10% |
| Holly Hill | $2,003 | 5% |
| Hollywood | $2,238 | 17% |
| Homeland Park | $1,785 | -6% |
| Honea Path | $1,808 | -5% |
| Hopkins | $2,021 | 6% |
| Horatio | $1,973 | 4% |
| Huger | $2,122 | 11% |
| India Hook | $1,761 | -8% |
| Inman | $1,729 | -9% |
| Inman Mills | $1,708 | -10% |
| Irmo | $1,877 | -1% |
| Irwin | $2,015 | 6% |
| Islandton | $2,191 | 15% |
| Isle Of Palms | $1,887 | -1% |
| Iva | $1,811 | -5% |
| Jackson | $1,769 | -7% |
| Jacksonboro | $2,263 | 19% |
| Jamestown | $2,087 | 10% |
| Jefferson | $1,812 | -5% |
| Jenkinsville | $1,937 | 2% |
| Joanna | $1,735 | -9% |
| Johns Island | $2,081 | 9% |
| Johnsonville | $2,021 | 6% |
| Johnston | $1,778 | -7% |
| Jonesville | $1,834 | -4% |
| Judson | $1,927 | 1% |
| Kershaw | $1,890 | -1% |
| Kiawah Island | $2,061 | 8% |
| Kinards | $1,739 | -9% |
| Kingstree | $1,977 | 4% |
| La France | $1,697 | -11% |
| Ladson | $2,134 | 12% |
| Lake City | $2,025 | 6% |
| Lake Murray of Richland | $1,897 | 0% |
| Lake Secession | $1,764 | -7% |
| Lake View | $1,985 | 4% |
| Lake Wylie | $1,817 | -5% |
| Lakewood | $1,980 | 4% |
| Lamar | $1,950 | 2% |
| Lancaster | $2,007 | 5% |
| Lando | $2,080 | 9% |
| Landrum | $1,714 | -10% |
| Lane | $1,979 | 4% |
| Langley | $1,688 | -11% |
| Latta | $2,017 | 6% |
| Laurel Bay | $1,845 | -3% |
| Laurens | $1,718 | -10% |
| Leesville | $1,789 | -6% |
| Lesslie | $1,823 | -4% |
| Lexington | $1,871 | -2% |
| Liberty | $1,690 | -11% |
| Liberty Hill | $1,919 | 1% |
| Little Mountain | $1,822 | -4% |
| Little River | $1,886 | -1% |
| Little Rock | $2,032 | 7% |
| Livingston | $2,024 | 6% |
| Lobeco | $1,908 | 0% |
| Lodge | $2,149 | 13% |
| Long Creek | $1,630 | -14% |
| Longs | $1,913 | 0% |
| Loris | $2,008 | 5% |
| Lowndesville | $1,758 | -8% |
| Lugoff | $1,898 | 0% |
| Luray | $2,230 | 17% |
| Lydia | $1,936 | 2% |
| Lyman | $1,802 | -5% |
| Lynchburg | $2,039 | 7% |
| Manning | $1,939 | 2% |
| Marietta | $1,758 | -8% |
| Marion | $1,983 | 4% |
| Martin | $2,081 | 9% |
| Mauldin | $1,751 | -8% |
| Mayesville | $2,031 | 7% |
| Mayo | $1,816 | -5% |
| Mc Bee | $1,849 | -3% |
| Mc Clellanville | $1,947 | 2% |
| Mc Coll | $1,968 | 3% |
| McConnells | $1,801 | -6% |
| McCormick | $1,757 | -8% |
| Meggett | $2,238 | 17% |
| Miley | $2,373 | 25% |
| Modoc | $1,773 | -7% |
| Monarch Mill | $1,855 | -3% |
| Moncks Corner | $2,129 | 12% |
| Monetta | $1,750 | -8% |
| Montmorenci | $1,792 | -6% |
| Moore | $1,794 | -6% |
| Mount Carmel | $1,738 | -9% |
| Mount Croghan | $1,835 | -4% |
| Mount Pleasant | $1,882 | -1% |
| Mountain Rest | $1,619 | -15% |
| Mountville | $1,740 | -9% |
| Mullins | $1,965 | 3% |
| Murphys Estates | $1,785 | -6% |
| Murrells Inlet | $1,811 | -5% |
| Myrtle Beach | $1,852 | -3% |
| Neeses | $2,014 | 6% |
| Nesmith | $2,041 | 7% |
| New Ellenton | $1,664 | -13% |
| New Zion | $1,973 | 4% |
| Newberry | $1,720 | -10% |
| Newport | $1,769 | -7% |
| Newry | $1,609 | -16% |
| Nichols | $1,996 | 5% |
| Ninety Six | $1,747 | -8% |
| Norris | $1,679 | -12% |
| North | $2,010 | 5% |
| North Augusta | $1,763 | -8% |
| North Charleston | $2,153 | 13% |
| North Hartsville | $1,943 | 2% |
| North Myrtle Beach | $1,769 | -7% |
| Northlake | $1,703 | -11% |
| Norway | $1,995 | 5% |
| Oak Grove | $1,889 | -1% |
| Oakland | $1,956 | 3% |
| Okatie | $1,826 | -4% |
| Olanta | $2,028 | 6% |
| Olar | $1,939 | 2% |
| Orangeburg | $2,023 | 6% |
| Pacolet | $1,811 | -5% |
| Pacolet Mills | $1,974 | 4% |
| Pageland | $1,860 | -2% |
| Pamplico | $2,087 | 10% |
| Parker | $1,908 | 0% |
| Parris Island | $2,098 | 10% |
| Patrick | $1,865 | -2% |
| Pauline | $1,763 | -7% |
| Pawleys Island | $1,800 | -6% |
| Peak | $2,001 | 5% |
| Pelion | $1,949 | 2% |
| Pelzer | $1,780 | -7% |
| Pendleton | $1,665 | -13% |
| Pickens | $1,672 | -12% |
| Piedmont | $1,784 | -6% |
| Pine Ridge | $1,939 | 2% |
| Pineland | $2,198 | 15% |
| Pineville | $2,122 | 11% |
| Pinewood | $2,005 | 5% |
| Pinopolis | $2,074 | 9% |
| Plum Branch | $1,759 | -8% |
| Pomaria | $1,815 | -5% |
| Port Royal | $1,804 | -5% |
| Powdersville | $1,762 | -8% |
| Privateer | $1,961 | 3% |
| Prosperity | $1,737 | -9% |
| Rains | $1,971 | 3% |
| Ravenel | $2,229 | 17% |
| Red Bank | $1,885 | -1% |
| Red Hill | $1,952 | 2% |
| Reevesville | $2,018 | 6% |
| Rembert | $1,973 | 4% |
| Richburg | $1,918 | 1% |
| Richland | $1,696 | -11% |
| Ridge Spring | $1,760 | -8% |
| Ridgeland | $2,136 | 12% |
| Ridgeville | $2,112 | 11% |
| Ridgeway | $1,937 | 2% |
| Rion | $2,100 | 10% |
| Rock Hill | $1,880 | -1% |
| Roebuck | $1,789 | -6% |
| Round O | $2,178 | 14% |
| Rowesville | $2,026 | 6% |
| Ruby | $1,823 | -4% |
| Ruffin | $2,132 | 12% |
| Russellville | $2,193 | 15% |
| Salem | $1,592 | -16% |
| Salley | $1,867 | -2% |
| Salters | $1,942 | 2% |
| Saluda | $1,753 | -8% |
| Sandy Springs | $1,698 | -11% |
| Sangaree | $2,081 | 9% |
| Sans Souci | $1,841 | -3% |
| Santee | $1,981 | 4% |
| Saxon | $1,863 | -2% |
| Scotia | $2,194 | 15% |
| Scranton | $2,051 | 8% |
| Seabrook | $1,880 | -1% |
| Seabrook Island | $2,077 | 9% |
| Sellers | $1,998 | 5% |
| Seneca | $1,602 | -16% |
| Seven Oaks | $1,912 | 0% |
| Sharon | $1,796 | -6% |
| Shaw AFB | $1,935 | 2% |
| Sheldon | $1,865 | -2% |
| Shell Point | $1,827 | -4% |
| Silverstreet | $1,754 | -8% |
| Simpsonville | $1,695 | -11% |
| Six Mile | $1,646 | -14% |
| Slater | $1,781 | -7% |
| Slater-Marietta | $1,761 | -8% |
| Smoaks | $2,180 | 14% |
| Smyrna | $1,792 | -6% |
| Socastee | $1,896 | 0% |
| Society Hill | $1,943 | 2% |
| South Congaree | $1,909 | 0% |
| South Sumter | $2,005 | 5% |
| Southern Shops | $1,815 | -5% |
| Spartanburg | $1,817 | -5% |
| Springdale | $1,952 | 2% |
| Springfield | $2,000 | 5% |
| St. Andrews | $1,943 | 2% |
| St. George | $2,054 | 8% |
| St. Helena Island | $1,854 | -3% |
| St. Matthews | $1,993 | 5% |
| St. Stephen | $2,067 | 8% |
| Starr | $1,809 | -5% |
| Startex | $1,815 | -5% |
| State Park | $2,073 | 9% |
| Sullivan's Island | $1,894 | -1% |
| Summerton | $1,894 | -1% |
| Summerville | $2,102 | 10% |
| Sumter | $1,975 | 4% |
| Sunset | $1,641 | -14% |
| Surfside Beach | $1,847 | -3% |
| Swansea | $1,940 | 2% |
| Tamassee | $1,622 | -15% |
| Tatum | $1,964 | 3% |
| Taylors | $1,798 | -6% |
| Tega Cay | $1,772 | -7% |
| Tillman | $2,087 | 10% |
| Timmonsville | $2,032 | 7% |
| Townville | $1,662 | -13% |
| Travelers Rest | $1,778 | -7% |
| Trenton | $1,762 | -8% |
| Troy | $1,726 | -9% |
| Turbeville | $1,991 | 4% |
| Ulmer | $2,121 | 11% |
| Una | $1,913 | 0% |
| Union | $1,842 | -3% |
| Utica | $1,615 | -15% |
| Valley Falls | $1,780 | -7% |
| Vance | $1,989 | 4% |
| Varnville | $2,185 | 15% |
| Vaucluse | $1,701 | -11% |
| Wade Hampton | $1,791 | -6% |
| Wadmalaw Island | $2,159 | 13% |
| Wagener | $1,768 | -7% |
| Walhalla | $1,587 | -17% |
| Wallace | $1,889 | -1% |
| Walterboro | $2,140 | 12% |
| Ward | $1,780 | -7% |
| Ware Shoals | $1,745 | -8% |
| Warrenville | $1,687 | -11% |
| Waterloo | $1,709 | -10% |
| Watts Mills | $1,716 | -10% |
| Wedgefield | $1,964 | 3% |
| Welcome | $1,928 | 1% |
| Wellford | $1,803 | -5% |
| West Columbia | $1,891 | -1% |
| West Pelzer | $1,768 | -7% |
| West Union | $1,603 | -16% |
| Westminster | $1,604 | -16% |
| Westville | $1,873 | -2% |
| White Rock | $1,892 | -1% |
| White Stone | $1,862 | -2% |
| Whitmire | $1,797 | -6% |
| Wilkinson Heights | $2,051 | 8% |
| Williams | $2,136 | 12% |
| Williamston | $1,762 | -8% |
| Williston | $1,895 | -1% |
| Windsor | $1,753 | -8% |
| Winnsboro | $2,000 | 5% |
| Winnsboro Mills | $1,996 | 5% |
| Woodfield | $1,989 | 4% |
| Woodruff | $1,738 | -9% |
| Yemassee | $2,117 | 11% |
| York | $1,771 | -7% |
Minimum coverage for car insurance in South Carolina
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage coverage
South Carolina also requires car insurance companies operating in the state to offer underinsured motorist coverage, but you do not have to buy it.
Car insurance laws in South Carolina
South Carolina law doesn’t require you to buy full-coverage car insurance. But if you financed your vehicle, your lending agreement will probably require it.
If your drivers license is suspended in South Carolina for a DUI or similar level of offense, you’re required to file an SR-22 to reinstate it. An SR-22 is proof of financial responsibility, showing that you carry the minimum amount of car insurance South Carolina requires. Your insurance company should file the SR-22 with the DMV for you.
Frequently asked questions
The average cost of full-coverage car insurance in South Carolina is $1,812 a year, or $151 a month. Liability-only car insurance costs $802 a year, or $67 a month.
South Carolina is an at-fault car insurance state, meaning the driver responsible for the accident pays for injuries and damages they caused.