On average, GEICO offers the most low-cost car insurance policies in South Carolina. Coverage degree can significantly affect premiums, along with your driving history, historic period and credit score. State Farm, for case, offers the lowest rates, on modal, for a driver with a DUI on their record. USAA ’ s quotes for liability-only and comprehensive examination indemnity policies are the cheapest in the country, but they are only available for current and retire military personnel .iconribbon cheap car indemnity

South Carolina 2022

The Cheapest Car Insurance in South Carolina

Cheapest Minimum Liability Car Insurance in South Carolina

For drivers looking for cheap cable car insurance in South Carolina, the most low-cost choice is a liability-only policy. This type of policy entirely meets the state minimum requirements. Based on average rates for minimum coverage, the cheapest car insurance companies in South Carolina are :

  • GEICO: $470 per year
  • State Farm: $574 per year

If you or a class member are in the military, USAA offers another low-cost option at an average of $ 500 per year. The most expensive car indemnity company in South Carolina for minimum coverage is Nationwide, with an modal cost of $ 761 per year .

Cheapest Minimum Car Insurance in South Carolina
  • company per annum monthly
  • 1 .GEICO $ 470 $ 39
  • 2 .USAA $ 500 $ 42
  • 3 .State Farm $ 574 $ 48
  • 4 .Allstate $ 604 $ 50
  • 5 .Travelers $ 743 $ 62
  • 6 .Progressive $ 760 $ 63
  • 7 .Nationwide $ 761 $ 63

These prices are only estimates based on rates for an average South Carolina driver and should not be used to compare indemnity prices. Loading …moneygeek-logo Loading …

Cheapest Full Coverage Car Insurance in South Carolina

South Carolina drivers who want protective covering against most road and off-road accidents should consider a entire coverage policy with higher liability limits and comprehensive and collision policy. While a policy with full coverage costs more than the minimum coverage, it covers damages to the policyholder ‘s car. Compare quotes from multiple insurers to find the best car indemnity. The cheapest car insurance companies for South Carolina drivers who want a full coverage policy are :

  • GEICO: $853 per year
  • State Farm: $1,055 per year

For military members and their families, USAA ‘s average rate of $ 926 is besides quite competitive. Progressive has an average annual rate of $ 1,380, making it the most expensive car insurance for full coverage in South Carolina .

Cheapest Full Coverage Car Insurance in South Carolina
  • company per annum monthly
  • 1 .GEICO $ 853 $ 71
  • 2 .USAA $ 926 $ 77
  • 3 .State Farm $ 1,055 $ 88
  • 4 .Allstate $ 1,120 $ 93
  • 5 .Travelers $ 1,207 $ 101
  • 6 .Nationwide $ 1,217 $ 101
  • 7 .Progressive $ 1,380 $ 115

top car insurance carriers evaluate person circumstances to determine premiums, so your pace will not be the like as the examples provided. These are average rates based on a comprehensive examination and collision policy that allows claims up to $ 100,000 for bodily injury per person, $ 300,000 for bodily injury per accident and $ 100,000 for property damage per accident.

How to Compare Cheap South Carolina Car Insurance Quotes Online

Most carriers in South Carolina have on-line tools where you can get sanely accurate quotes .

  • When comparing quotes, make sure that they have similar coverage levels. If you get a quote from one company for a policy with $300,000 in bodily liability insurance per accident, then use the same limits with other providers.
  • Most insurance companies in South Carolina can provide quotes online. MoneyGeek’s auto insurance calculator evaluates rates for an average driver. To obtain a more personalized quotation, you’ll need to supply information related to your specific needs and characteristics. You can also use MoneyGeek’s price data as a guide when choosing which companies’ websites to view,
  • GEICO and State Farm have the most affordable rates for the average driver in South Carolina. You can begin your search for the best car insurance by asking for quotes from these companies.

Auto Insurance Calculator

state of matter South Carolina historic period 40 drive record clean credit score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage submit Min Comprehensive and Collision Insurance none gender female Click the section of the wheel in your price scope to see options. abject end on median high goal Click your prefer price image to see party options. Click an insurance company below to visit their review page or continue to your personalized quote. company average annual Rates 1 .GEICO $ 492 2 .USAA $ 525 3 .State Farm $ 591 4 .Allstate $ 606

Cheapest Car Insurance for Drivers With a DUI in South Carolina

South Carolina drivers with a unplayful irreverence, such as a DUI, have higher rates than those with clean drive records. The average price of car indemnity for South Carolina drivers with DUI is $ 1,722 per year. average drivers with a scavenge commemorate entirely pay an average of $ 1,139 per year. South Carolina drivers with a DUI and entire coverage can find the most low-cost rates from :

  • State Farm: $1,137 per year
  • Allstate: $1,594 per year

In comparison, GEICO is the cheapest car policy carrier for South Carolina drivers with a clean criminal record .

Average Car Insurance Rates With a DUI
  • company per annum monthly
  • 1 .State Farm $ 1,137 $ 95
  • 2 .Allstate $ 1,594 $ 133
  • 3 .USAA $ 1,618 $ 135
  • 4 .Progressive $ 1,753 $ 146
  • 5 .Travelers $ 1,821 $ 152
  • 6 .GEICO $ 2,099 $ 175
  • 7 .Nationwide $ 2,228 $ 186

The Centers for Disease Control and Prevention reported that 3,299 people died in alcohol-related car accidents in South Carolina from 2009-2018. 1.5 % of South Carolina drivers admitted to driving after drinking besides much in the last 30 days. It ’ mho no mysterious that a DUI can negatively impact everything from your license to your car policy policy. Every express has its own bent of laws when it comes to a DUI. In South Carolina, drivers can expect a minimum of 48 hours of jail time accompanied by a $ 400 to $ 1,000 ticket and a minimum six-month license suspension. additionally, South Carolina drivers are required to purchase an SR22 insurance certificate with the DMV in order to get their license reinstated. SR22 indemnity is bad indemnity that shows the DMV that you ’ re properly insured. Before you purchase your SR22 certificate, you ’ ll want to assure you ’ ve shopped around for cheap car indemnity quotes. While it can be unmanageable to find a good rate with a DUI, it ’ s not impossible. Being a first-time wrongdoer will work in your party favor deoxyadenosine monophosphate well as working with an policy professional to compare cable car indemnity options. An SR22 certificate lasts three years and a DUI in South Carolina will stay with your policy policy for the lapp sum of time.

Cheapest Car Insurance in South Carolina for Drivers With an At-Fault Accident

If you cause an accident in South Carolina and the policy supplier finds you at mistake, your insurance rates will about surely increase. A driver with an at-fault accident on their record pays an average of $ 1,653 in insurance premiums each year in South Carolina. The watch insurance companies in South Carolina offer the most low-cost rates for drivers with a history of at-fault accidents :

  • GEICO: $1,253 per year
  • State Farm: $1,260 per year

These two providers offer exchangeable prices, on average. Make certain to compare individualized quotes for a better sense of your premiums .

Cheapest Car Insurance With an At-Fault Accident
  • company per annum monthly
  • 1 .GEICO $ 1,253 $ 104
  • 2 .State Farm $ 1,260 $ 105
  • 3 .USAA $ 1,372 $ 114
  • 4 .Travelers $ 1,646 $ 137
  • 5 .Nationwide $ 1,863 $ 155
  • 6 .Allstate $ 1,901 $ 158
  • 7 .Progressive $ 2,277 $ 190

Cheapest Car Insurance for Drivers With Tickets in South Carolina

Insurers in South Carolina cathexis drivers with minor driving violations like speeding tickets more than those with cleanse records. Drivers with a speeding ticket pay an average of $ 1,363 per year, which is $ 224 more than the drivers with a clean record. The cheapest car insurance carriers in South Carolina for a driver with a speed tag and full coverage are :

  • GEICO: $853 per year
  • State Farm: $1,137 per year

meanwhile, the most expensive company for South Carolina drivers with tickets is progressive, charging an annual average of $ 1,722 .

Average Car Insurance Rates With a Ticket
  • company per annum monthly
  • 1 .GEICO $ 853 $ 71
  • 2 .State Farm $ 1,137 $ 95
  • 3 .USAA $ 1,138 $ 95
  • 4 .Nationwide $ 1,389 $ 116
  • 5 .Allstate $ 1,497 $ 125
  • 6 .Travelers $ 1,581 $ 132
  • 7 .Progressive $ 1,722 $ 144

other driving habits that can negatively affect your indemnity rates are speeding tickets and distracted driving. Being creditworthy for an accident can increase your policy policy by several hundred or thousands of dollars. Distracted drive could lead to a heedless drive ticket, which could add up to six demerit points to your record and an increase to your policy for up to three years. If you find yourself needing insurance after a distracted drive ticket, the easiest direction to save money is to shop policy policies, as each indemnity company will penalize getting a tag differently.

Cheapest Car Insurance Companies in South Carolina for Drivers With Bad Credit

A poor people credit grudge can lead to higher car insurance rates in South Carolina. The average price of car indemnity in the state for drivers with healthy recognition scores is $ 1,139 per year. Having a hapless credit score increases the average rate to $ 1,900 per annum. The cheapest insurers in South Carolina for drivers with poor credit scores and full coverage are :

  • Nationwide: $1,654 per year
  • GEICO: $1,837 per year

Although GEICO has lower rates for the modal driver with good credit scores, Nationwide offers lower rates for those with poor accredit scores .

Average Car Insurance Rates for Drivers With Bad Credit
  • company annually monthly
  • 1 .Nationwide $ 1,645 $ 137
  • 2 .GEICO $ 1,837 $ 153
  • 3 .Allstate $ 1,851 $ 154
  • 4 .USAA $ 1,892 $ 158
  • 5 .State Farm $ 1,971 $ 164
  • 6 .Travelers $ 1,983 $ 165
  • 7 .Progressive $ 2,162 $ 180

so far another factor that plays a boastfully role in policy rates is your credit score. fortunately, credit scores are peaking across the nation, with the average FICO score in the United States being 703 in 2019. In South Carolina, the average credit score is 641. But tied without a stellar accredit grudge, you can still find low-cost car indemnity in South Carolina. The above table shows estimates of what people with bad credit can expect to pay for car insurance in South Carolina. Some states will put more slant on a credit score than others. Assuring you keep a healthy credit score can help lower your policy premiums throughout your life.

Cheapest Car Insurance in South Carolina for Seniors

Seniors pay slenderly higher rates than unseasoned adults and middle-aged drivers in South Carolina. The average cost of car policy in the country for senior drivers is $ 1,192, which is $ 53 more than the average rate for a 40-year-old driver. Based on MoneyGeek ’ sulfur study, the cheapest cable car insurance companies for seniors with wax coverage in South Carolina are :

  • GEICO: $943 per year
  • State Farm: $1,024 per year

If you qualify for USAA coverage through military affiliation, this company presents another reasonably priced choice, averaging $ 991 for seniors in South Carolina .

Average Car Insurance Rates for Seniors
  • party annually monthly
  • 1 .GEICO $ 943 $ 79
  • 2 .USAA $ 991 $ 83
  • 3 .State Farm $ 1,024 $ 85
  • 4 .Nationwide $ 1,195 $ 100
  • 5 .Allstate $ 1,207 $ 101
  • 6 .Travelers $ 1,307 $ 109
  • 7 .Progressive $ 1,480 $ 123

According to the NHTSA, in South Carolina, 13.8 % of black accidents affect drivers age 65 and older. elder drivers are considered high risk because of the potential for slower reaction times and elapse judgment on the road. All drivers in South Carolina are required to renew their licenses every eight years, careless of age. other factors that can affect car indemnity for seniors include health, driving frequency, driving history and the character of vehicle being driven.

Cheapest Car Insurance in South Carolina for Young Drivers

young drivers typically pay higher car policy premiums due to their miss of experience on the road. A 16-year-old driver in South Carolina pays an median of $ 2,855 per year when purchasing their own policy, while a 25-year-old driver pays an average annual pace of $ 1,410 in the state. countrywide offers the most low-cost cable car insurance policies in South Carolina for drivers aged 16–25. Regardless, GEICO offers the most low-cost quotes to the majority of senesce groups in that scope, on average .

Annual Car Insurance In South Carolina for Young Drivers

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    State Farm


Finding cheap cable car policy for young drivers in South Carolina falls on parents adding their child to their insurance policy. South Carolina offers a calibrate driver ’ randomness license program for teens, which requires teens to obtain a permit for 180 days and be 17 years old before they ’ re eligible for a entire license. Shopping around for the best options can keep your rates low-cost. Don ’ deoxythymidine monophosphate forget to look into what happens if your child moves out of state and takes their vehicle with them, or if your child is moving to South Carolina for college. The state does not require that out-of-state students get a local license, but your insurance will want to know where your student ’ mho car is being housed. Seeing as parents are typically the ones covering the costs of adolescent drivers, knowing what can positively and negatively impact your adolescent ’ sulfur indemnity policy can help you find low-cost indemnity. Of course, the safe a driver your adolescent is, the better the find that your rates can drop over the years. The above chart provides estimates of what you can expect to pay for car policy for younger drivers.

Insurance Rate Information for Military Drivers and Veterans

many insurance companies in South Carolina will offer a deduction to those involved in the military and individuals who are veterans. The state is home to more than 400,000 veterans and over 55,000 active-duty service members. For active military members, an indemnity company will work with you to store your vehicle while deployed, if necessary, and can suspend your coverage while your fomite is not in habit. There are a variety of resources that the state provides to help military families find cheap car insurance. You can read more about becoming licensed in South Carolina and find the necessity documents to receive a military license with the South Carolina DMV .

Average Rates for South Carolina service members

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Car Insurance in South Carolina: What You Need to Know

If you own any type of vehicle in South Carolina, you need car indemnity unless you apply for an uninsured motorist registration. This exception means you ’ ll be able to register your car without policy, but you ’ ll have to pay an annual fee of $ 550. While it might be legal to drive in South Carolina without insurance, we don ’ t recommend it. If you ’ re in an accident, you ’ ll be 100 % responsible for injuries and damages, which can get expensive .

Proof of Insurance in South Carolina

To drive legally, you must carry proof of indemnity or an option at all times. According to the South Carolina Department of Motor Vehicles, you may need to show this proof :

  • When registering or renewing a vehicle
  • When applying for or renewing a driver’s license
  • If asked by a police officer
  • If involved in a car accident

The state besides allows drivers to use their smartphones to show proof of insurance .

Minimum Liability Insurance Requirements in South Carolina

South Carolina has respective liability insurance requirements for drivers related to bodily injury, property damage and uninsured motorist coverage. Every driver in South Carolina must carry car liability policy. The minimum policy is 25/50/25 coverage, as follows :

  • $25,000 for each injured person per accident
  • $50,000 for two or more injured persons per accident
  • $25,000 for property damage per accident

All car insurance policies in South Carolina must besides include this minimum uninsured motorist coverage :

  • $25,000 for injury or death per person
  • $50,000 for injury or death per accident
  • $25,000 for property damage

Unlike in some early states, insurance companies in South Carolina can reduce the measure of your claim in proportion to your demerit in an accident. For model, if the insurance company determines that you are 50 % responsible, they may reduce your claim by up to 50 % .

High-Risk Auto Insurance Program in South Carolina

If car indemnity companies turn you down because of your drive record, you can even apply through the Associated Auto Insurers Plan of South Carolina. To be eligible, you have to prove you ‘ve failed to obtain a liability policy in the state in the previous two months .

Alternatives to Insurance in South Carolina

If you do n’t have insurance, you can still legally drive if you present proof of fiscal responsibility. There are two satisfactory alternatives :

  • Surety Bond: You may acquire a surety bond or a real estate bond with two individual real estate owners with combined property equity of at least $150,000.
  • Certificate of Deposit: You can deposit $35,000 in cash or securities with the treasurer’s office. The treasurer will issue a certificate you can show the DMV.

How Much Coverage Do You Need in South Carolina?

sometimes the minimal insurance required by a state is not enough to cover what it will cost should you get in an accident. If it fits in your budget, consumer and insurance experts recommend a liability policy covering $ 100,000 for one person and $ 300,000 for the entire accident. You may besides want to consider collision and comprehensive insurance to cover your cable car and medical costs.

Cheapest Car Insurance in South Carolina by City

The price of car indemnity varies widely across the express of South Carolina. Charleston, South Carolina ‘s largest city by population, has an average annual cable car indemnity premium of $ 1,139. Columbia, the state ‘s capital, features an average annual bounty of $ 1,144. Although this is a minor deviation, your rates may significantly vary if you ‘re living in other parts of the department of state. Click on your city ’ s list to find the insurance rates in your area .

Average Insurance Rate by City in South Carolina

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  • City annually monthly
  • 1 .Charleston $ 1,139 $ 95
  • 2 .Columbia $ 1,144 $ 95

FAQs About Car Insurance in South Carolina

When choosing car insurance in South Carolina, drivers should consider diverse factors. The most coarse concerns related to car insurance in the country normally center around the price and which companies are the best .

GEICO and USAA have the cheap car insurance in South Carolina .

The average price of car insurance in South Carolina is $ 1,139 per year, which is around $ 95 per month .

MoneyGeek ’ second study found that GEICO is the best car insurance provider in South Carolina .

Keeping your drive read clean and improving your credit grudge can help lower your cable car policy rates in South Carolina. To find the most accurate policy, compare quotes from multiple companies and ensure the right horizontal surface of coverage.

Expert Advice on Finding Cheap Car Insurance in South Carolina

To help you find reliable and accurate insight on car policy in South Carolina, MoneyGeek received expert advice from prove professionals. The perspectives and sentiments conveyed are those of the individual subscriber .

  1. What are the key factors drivers in South Carolina should look for when searching for the best car insurance coverage ?
  2. What steps can drivers in South Carolina take to find low-cost car indemnity ?
  3. How make regulations and rules in South Carolina affect policy price and how consumers might shop for coverage ?

Robert HartwigRobert Hartwig Robert Hartwig clinical Associate Professor, Finance Department and Director, Center for Risk and Uncertainty Management ; Darla Moore School of Business ; University of South CarolinaPaul D. SmithPaul D. Smith Paul D. Smith Assistant Professor of Business and Entrepreneurship at Newberry CollegeFrank Tian XieFrank Tian Xie Frank Tian Xie John M. Olin Palmetto Chair Professor in Business and Professor of Marketing at The University of South Carolina, Aiken Loading … About the writerexpert-profileexpert-profile Sara East is a mercenary writer and capacity selling professional based in Reno, NV. She has more than 10 years marketing experience in public relations, contentedness and digital market. Sara has been a published writer for more than 10 years having written articles about finance, business, entrepreneurship, education, locomotion, real estate of the realm, indemnity, healthy living, social media, travel and analyze abroad. Sara ‘s write has been published in national news sites including Mashable, The Muse and The next Web equally well as on a variety show of blogs. When she ‘s not publish, Sara enjoys spend time with her fur kids exploring the mountains of Reno/Tahoe and enjoying the outdoors.

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