Find Cheaper South Carolina Car Insurance Rates in 2024

Enter your South Carolina zip code below to view companies that have cheap auto insurance rates.

Average auto insurance rates in South Carolina for 2024 are $1,276 a year for full coverage. Comprehensive insurance, collision, and liability cost on average $284, $518, and $330, respectively. Florence and North Charleston average the highest rates, and the three companies with the most written premium are State Farm, Allstate, and Geico.

Average rate for full coverage: $1,276

Price estimates by individual coverage type:

Comprehensive $284
Collision $518
Liability $330

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in South Carolina

For an average driver, South Carolina insurance prices go from as cheap as $390 for just liability insurance to a high of $2,750 for a driver required to buy high-risk insurance.

Liability Only $390
Full Coverage $1,276
High Risk $2,750

These price ranges show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of depending on averaged prices.

Use the form below to get accurate rates for your location.

Enter your South Carolina zip code below to view companies that have cheap auto insurance rates.

Recommended Companies for Cheap South Carolina Insurance

Searching Companies

View Chart as Image

South Carolina car insurance rate comparison chart
Column chart showing South Carolina car insurance prices range from $731 to $4,684 for full coverage

Chart shows South Carolina car insurance rates for different situations. The cheapest discount rate is $731. Insureds who use higher $1,000 deductibles will pay about $1,094. The average rate for a 40-year-old male driver using $500 deductibles is $1,276. Choosing low $100 deductibles for comprehensive and collision insurance will cost more, up to $1,628. Drivers considered high risk could be charged at least $2,750. The cost for full coverage for a teen driver can climb as high as $4,684.

Insurance rates in South Carolina are also quite variable based on the make and model of your vehicle, your driver profile, and policy deductibles and limits.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $297 more per year. View Rates by Deductible or Liability Limit

The area you live in also has a big influence on auto insurance prices. Areas with less crime and congestion might see rates around $1,000 a year, whereas some areas in Florence and North Charleston may see prices closer to $1,600. Even areas within a few miles of each other in the same city can have very different rates.

These price discrepancies emphasize the need to quote rates for your specific South Carolina zip code.

View Chart as Image

South Carolina insurance rates by city

Your choice of vehicle makes a big difference in the price you pay for car insurance in South Carolina. Buying a lower-cost and lower horsepower vehicle will save money on insurance due to cheaper repair costs and lower medical and liability claims. The next table shows car insurance premium estimates for the top vehicles on the road in South Carolina.

South Carolina Auto Insurance Rates for Popular Vehicles
Make and Model Premium % to Avg
Chevrolet Silverado $1,348 5.3%
Dodge Ram $1,384 7.8%
Ford Escape $1,060 -20.4%
Ford Focus $1,234 -3.4%
Ford Fusion $1,352 5.6%
Ford F-150 $1,200 -6.3%
GMC Acadia $1,174 -8.7%
GMC Sierra $1,324 3.6%
Honda Accord $1,190 -7.2%
Honda Civic $1,394 8.5%
Honda CR-V $1,032 -23.6%
Honda Pilot $1,212 -5.3%
Hyundai Sonata $1,294 1.4%
Kia Optima $1,320 3.3%
Nissan Altima $1,312 2.7%
Nissan Rogue $1,282 0.5%
Toyota Camry $1,298 1.7%
Toyota Corolla $1,270 -0.5%
Toyota Prius $1,184 -7.8%
Toyota RAV4 $1,202 -6.2%
Get Rates for Your Vehicle Quote Now

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
View additional vehicles

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% more than the average policy. View High Risk Driver Rates

Your choice of car insurance company definitely has an impact on price. Each company has a slightly different rate calculation, and prices can change based on your risk profile. In South Carolina, car insurance prices range from $760 with The Hartford to as high as $2,717 with Safeco. Companies like USAA, State Auto, and Auto-Owners are neither the lowest or highest.

That is probably not the exact rates you would pay, as the vehicle you are insuring, your driving history, and your location in South Carolina have to be factored in.

South Carolina Auto Insurance Companies by Market Share and Average Rate
Rank Company Market Share Average Rate
1 State Farm 24.66% $1,394
2 Allstate 14.05% $1,605
3 Geico 10.89% $2,021
4 Nationwide 8.93% $1,796
5 USAA 8.20% $1,005
6 Progressive 6.70% $1,627
7 Liberty Mutual 4.66% $2,464
8 Travelers 3.69% $1,370
9 Farm Bureau 2.94% $1,273
10 Auto Owners 1.60% $1,130
Get Your Rates Quote Now

Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the rates may be quite different between companies.

Rates by Driver Age

South Carolina Insurance Rates by Driver Age
Driver Age Premium
16 $4,684
20 $2,940
30 $1,334
40 $1,276
50 $1,160
60 $1,138

Full coverage, $500 deductibles

Rates by Deductible

South Carolina Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,464
$500 $1,276
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

South Carolina Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,276
50/100 $1,342
100/300 $1,425
250/500 $1,639
100 CSL $1,375
300 CSL $1,557
500 CSL $1,689

Full coverage, driver age 40

Rates for High Risk Drivers

South Carolina Car Insurance Rates for High Risk Drivers
Age Premium
16 $6,692
20 $4,668
30 $2,816
40 $2,750
50 $2,624
60 $2,598

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $177

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $18
5-yr Accident Free $96
5-yr Claim Free $82
Paid in Full/EFT $60
Advance Quote $64
Online Quote $91
Total Discounts $545
Rate after discounts $731

Discounts are estimated and may not be available from every company or in every state.

Compare Rates Now

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption