Cheapest South Carolina Car Insurance (2022)

In South Carolina, drivers pay an median of $ 82 a month for minimum-coverage car indemnity and $ 151 for full coverage. USAA has the cheapest minimum-coverage car indemnity, at $ 52 a month. State Farm has the cheapest full coverage, at $ 103 a month .
To help you compare quotes and find the best coverage at the cheapest price, we looked at the exceed car insurance providers and their rates, policy offerings and customer avail trends .

How much is car insurance in South Carolina?

South Carolina drivers pay an average $ 82 a month for minimum-coverage car indemnity. The average cost of full-coverage car insurance is $ 151 a month .

Average cost of car insurance in South Carolina
  Minimum coverage Full coverage
South Carolina $82 $151
National $87 $177
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

South Carolina ‘s modal minimal car indemnity rate is 6 % lower than the national average of $ 87 a calendar month. South Carolina ‘s average full-coverage pace is 15 % less than the national median. Your final car insurance pace is affected by factors such as :

  • The age and condition of your car.
  • Your personal driving history.
  • Your ZIP code.
  • Your age.

Who are the best, cheapest car insurance companies in South Carolina?

Which company has the best and cheapest car policy in South Carolina depends on whether you ‘re looking for minimum or full-coverage car policy. We looked at the seven most popular cable car insurers in South Carolina and found that USAA has the lowest average rate of $ 52 a month for minimum-coverage car policy. That ‘s 37 % less than the submit median of $ 82 a calendar month .


For full-coverage car indemnity — which includes liability, comprehensive and collision coverages — State Farm comes out on top with an median rate of $ 103 a month, 32 % less than the state average of $ 151 a month .


After digging deep into the exceed car insurers, we found these four standouts .

USAA: cheapest minimum-coverage rates and best for military

USAA has an average minimum-coverage car indemnity rate of $ 52 a month, the lowest in South Carolina. The company ‘s independent drawback is that it entirely provides policy to members of the U.S. military and their families. however, South Carolina has the eighth-highest numeral of presently serving and reserve military members in the nation .
On top of low minimum-coverage rates, USAA besides offers policy benefits customized for Armed Forces members. For model :

  • It provides auto insurance coverage if you’re stationed overseas.
  • It offers deployment discounts and car storage options if you’re deployed.

USAA is wide considered the best of the best in the policy industry. In J.D. Power ‘s 2021 U.S. Auto Insurance Study, USAA received a rate of 890 out of 1,000 for overall customer satisfaction. That ‘s the highest score among car insurers in the Southeast. Furthermore, NAIC gives USAA a Complaint Index of 0.8. The national average Complaint Index is 1.0, so USAA stays well under the norm .

State Farm: cheap full-coverage car insurance and most popular

Of the largest car policy providers in South Carolina, State Farm came out ahead with the cheapest median full-coverage rate of $ 103 a calendar month. Given that South Carolina ‘s average rate for full-coverage car policy is $ 151 a month and the national modal is $ 177 a calendar month, State Farm ‘s full-coverage car policy is incredibly cheap .
State Farm ‘s abject rates play a separate in the company ‘s overall popularity. State Farm holds 16.2 % of the car insurance market share, followed by Geico with 13.6 %. Their eminent J.D. Power customer satisfaction rat of 859 and excellent comfort of use all lend to State Farm ‘s intensity.

Allstate: cheap rates, especially for teen drivers

Allstate maintains an median rate of $ 65 for minimum-coverage car insurance in South Carolina. That ‘s 21 % below the state average of $ 82 a calendar month. An important demographic for which Allstate has identical broken car indemnity rates is adolescent drivers, at an average of $ 163 a calendar month for minimum coverage .


adolescent drivers pay the highest car insurance rates of any group. This is because their lack of experience behind the bicycle can lead to greater chances of an accident. There are many ways to find cheap cable car indemnity rates for adolescent drivers, but starting off with the cheapest you can find without sacrificing good coverage is a great start .

GEICO: cheap rates and the best discounts

In South Carolina, Geico has an average minimum-coverage rate of $ 67 a month. That ‘s 18 % less than the state average. Geico gives policyholders many opportunities to lower their premiums flush more with the wide-eyed variety of discounts it offers. These discounts include :

  • If you’ve been accident-free for five years or more, you may save upwards of 22% on your car insurance.
  • If your car is three years old or newer, you may be eligible for a discount up to 15%.
  • Airbags in your car may land you a 23% discount on medical payments or personal injury protection coverage.
  • Keeping up your grades in school? Being a good student may get you another 15% discount on your car insurance.
  • If you cover more than one car on your auto insurance, you could save 25% on your premium.
  • Bundling your car insurance with a home, renters, mobile home or condo insurance policy can save you money on your auto policy.

These are just a few of the discounts Geico provides. Sit down with a Geico agent to make sure you ‘re getting all the discounts you ‘re eligible for .

Car insurance requirements in South Carolina

South Carolina drivers are required by law to have the following minimal car insurance coverages :

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

You are besides required to carry the play along 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

While the minimum indebtedness limits in South Carolina seem like they would cover a good accident, an gallop court case or hospital stay could hit those limits promptly. After that, you would wind up paying out of scoop .
In order to keep this from happening, we recommend raising your car policy liability limits to the follow :

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000


We used Quadrant Information Services to generate thousands of car policy quotes from every ZIP code in South Carolina from the adopt providers :

  • Allstate
  • Farm Bureau
  • Geico
  • Progressive
  • State Farm
  • Travelers
  • USAA

Our sample driver is a 35-year-old male with a clean read who drives a 2012 Honda Accord LX 13,500 miles per year . LLC has made every feat to ensure that the information on this web site is right, but we can not guarantee that it is spare of inaccuracies, errors, or omissions. All contentedness and services provided on or through this web site are provided “ as is ” and “ as available ” for use. LLC makes no representations or warranties of any kind, express or implied, as to the mathematical process of this site or to the information, contented, materials, or products included on this locate. You expressly agree that your use of this locate is at your sole risk .

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