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South Carolina Auto Insurance Requirements, Best Carriers by Rating, & Cheapest Quotes by Age for Comparison

While you are retrieving quotes you can learn about the state minimums:

South Carolina Minimum Car Insurance Requirements

CoverageSC Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000$25,000
Uninsured Motorist Coverage BIL$25,000 / $50,000$25,000 / $50,000
Uninsured Motorist Coverage PD$25,000 (includes a $200 deductible)$25,000
Underinsured Motorist Coverage BIL*$25,000 / $50,000N/A
Underinsured Motorist Coverage PD*$25,000N/A
Medical ExpensesOptional$5,000
Comprehensive CoverageOptional$250 deductible
Collision CoverageOptional$250 deductible

*Note: Underinsured Motorist coverage can be rejected. In addition to always carrying proof of insurance, you must also provide carrier information when you apply for and renew your driver’s license.

Bodily Injury Liability

The maximum payout if you have purchased the minimum requirements is $25,000 per person and $50,000 per accident. This will cover the medical expenses of the driver and the passengers of the other automobile in the event of a vehicle accident.

Lowest premium choices for a 25 year old in South Carolina.

Note: As illustrated, we found quotes clustering between $1,754 and $1,902 for a 25 year old driver. This male driver owned a 2013 Toyota Camry, had decent credit, and good driving history. For additional details please see table below.

Property Damage Liability

The maximum payout by the insurer for damage done to the other vehicle, private and public property, such as traffic signs, guard rails, and places of business is $25,000 per accident.

Cheapest premium options by price for a 30 year old.

Note: We found the cheapest quotes are with Southern Farm Bureau for a 30 year old driver. More details in rate table below.

Uninsured Motorist Protection

Although it is not required, it is recommended to get uninsured motorist protection or (UM) insurance in the event you are involved in an accident with an inadequately insured driver.

UM will pay what the other driver is suppose to have “if” they would have had insurance. The driver without insurance can be sued by the insurer which had to pay out claims for damages.

Low-cost auto premium prices for a 35 year old driver.

Note: A 35 year old driver can find the lowest quotes with Southern Farm Bureau, State Auto, and USAA. More details in table below.

Comprehensive, Collision, & Medical Expense Coverage

There are other optional coverage available such as comprehensive, collision, and medical expense benefits. However, there are some things you may want to consider when you are comparing insurance quotes in South Carolina.

Lowest price insurer options for a 40 year old driver in SC.

Note: As illustrated, quotes clustered between $1,002 and $1,088 for a 40 y/o driver.

Cheapest Premium Rates by Carrier & Age

RankSC CompanyAvg Ann. Rate for 25 Y/O DriverAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 35 Y/O DriverAvg Ann. Rate for 40 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
1Southern Farm Bureau$1,754$1,509$1,354$1,002$790$532
2State Auto $1,768$1,533$1,387$1,009$803$565
3USAA$1,790$1,564$1,390$1,054$832$539
4Progressive$1,850$1,621$1,465$1,076$830$550
5State Farm$1,902$1,653$1,480$1,088$829$551
6GEICO$1,955$1,687$1,500$1,090$812$537
7Allstate$1,912$1,709$1,490$1,132$800$560
8National Grange Mutual$1,969$1,732$1,497$1,154$843$600
9Liberty Mutual$1,980$1,765$1,490$1,176$879$611
10Nationwide$1,990$1,840$1,532$1,190$900$613
11Encompass$2,043$1,870$1,587$1,200$921$687
12Safe Auto$2,088$1,871$1,590$1,210$954$700
13Bristol West$2,176$1,890$1,600$1,265$1,002$721
14Esurance$2,287$1,896$1,632$1,287$998$782
15MetLife$2,390$1,905$1,651$1,290$1,032$739
1621st Century$2,450$1,987$1,678$1,300$1,054$751
17Amica$2,589$2,098$1,700$1,139$1,076$789

Cheapest price quotes for a 45 year old in SC.

Note: One carrier is less than $800 per year for full coverage for a 45 year old driver in South Carolina. Please see table above.

Carriers use Determining Factors for Cost of Coverage

There are two determining factors for which you pay for auto insurance. The first is underwriting which insurance companies underwrite to assess the risk associated with an applicant, or to group the applicant (driver), and if the insurance firm will accept the application.

The second factor is “rating” and based on the results of the underwriting process the rating assigns a price based on what the insure believes it will cost to take the financial responsibility for the applicant’s potential to file a claim.

Least expensive auto premium choices for a 55 year old.

Note: Quotes clustered between $532 and $565 for a 55 year old. The most affordable is Southern Farm Bureau.

Best Insurers by Consumer Rating, Premium Change over 18 Months, & Complaints

SC CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Auto$14,092,000+1.7%04.3
Selective$8,431,000+1.7%04.0
Progressive$167,873,000+1.7%34.4
Hartford$17,953,086 +1.8%14.4
South Carolina Farm Bureau$115,625,675 +1.8%14.5
Allied$43,738,000+1.8%24.3
State Farm$90,332,000+1.9%364.3
USAA$221,942,000+1.6%84.6
Allstate$356,312,000+1.9%104.3
Auto-Owners$48,426,673+1.9%64.2
Liberty Mutual$119,335,000+1.9%124.4
GEICO$279,200,675+1.9%134.4
Direct General$22,567,403+1.9%64.1
Amica$29,517,000+2.0%14.0
First Acceptance$15,660,437+2.0%33.9
Encompass$34,658,000+2.0%33.9
Travelers$90,866,000+2.1%33.9
MetLife$26,476,000+2.1%63.9
21st Century$11,092,962+2.1%23.9
Hartford$41,509,000+2.2%23.9

So how can you lower your insurance rates?

It is going to based on the rating and first determining factor is your driving record. The insurer is going to consider where you live by zip code, female or male, age, marital status, prior insurance coverage, vehicle use including the make and model.

If you are shopping for auto insurance then you cannot change your age or gender, but you can change the model of vehicle you drive. If you have traffic violation then you can take a driver education or defensive driving course to mitigate the cost of insurance rates.

Realize each insurer weighs each determining factor differently, for example, one insurer may give more weight to “age” than to “driving history” while another may give more weight to “driving history” and less to “age”. That is why it is imperative for you to comparison shop. 

The average amount of cover per driver in South Carolina:

  • Bodily Injury Liability – $100,000 / $300,000
  • Property Damage Liability – $25,000
  • Uninsured Motorist Protection – $25,000 / $50,000
  • Medical Expense Benefits – $5,000
  • Collision Coverage – $250 deductible
  • Comprehensive Coverage – $250 deductible

We have provided you the minimum and average coverage per driver. You want to be sure your policy is personalized, or insurance is not a “blanket” one size fits all type of deal.

Average Premium by City

CityAvg. PremiumPopulationCityAvg. PremiumPopulationCityAvg. PremiumPopulation
Andrews$1,5322,861Georgetown$1,5729,163Pendleton$1,5302,964
Barnwell$1,5114,750Hanahan$1,60717,997Pickens$1,5333,126
Beaufort$1,47612,361Kingstree$1,4983,328Simpsonville$1,58118,238
Blacksburg$1,5091,848Laurens$1,5179,139Spartanburg$1,64937,013
Chester$1,6035,607Mauldin$1,52122,889Sumter$1,68240,524
Clemson$1,64313,905McCormick$1,5872,783Timmonsville$1,5862,320
Edgefield$1,6744,750Meggett$1,4271,226Walhalla$1,5904,263
Gaffney$1,50512,414North Augusta$1,65421,348Walterboro$1,4705,398
Gaston$1,4171,645North Charleston$1,74397,471Winnsboro$1,4903,550

Columbia, SC

Columbia CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
Southern Farm Bureau$1,144$933$712
State Auto $1,165$945$733
National Grange Mutual$1,177$956$740
Allstate$1,213$987$769
GEICO$1,265$990$800
State Farm$1,321$1,020$799
Progressive$1,389$1,021$812
Liberty Mutual$1,400$1,087$832

Columbia is the 2nd largest city in South Carolina with approximately 135,000 residents. It is the capital of the state. Columbia is alive with culture and history, with many things to see and do with the entire family throughout the year.

Some of the remnants of elegant mansions, gardens, and broad tree-lined avenues are seen in the historic parts of the city. There are festivals to attend, arts performances to enjoy, sports to watch, and outdoor sports to participate in. The arts community is active and the cultural community is sophisticated.

Interesting Facts about Columbia

  • It is the first “city” in America named after Christopher Columbus.
  • Washington Street was once paved with wooden blocks until 1925.
  • On February 17, 1865 much of Columbia was looted and burned while being occupied by Union troops.

The average premium in Columbia is $1,650 per year. If you get quotes from Southern Farm Bureau, State Auto, or National Grange you will find rates 32% lower than the average premium. We queried each at $1,144, $1,165, and $1,177 respectfully for a 30 year old driver.

For a 45 year old the cheapest quotes are with Southern Farm Bureau, State Auto, and National Grange. Each queried at $933, $945, $956 per year for full coverage. Which is nearly 50% lower than the “mean” rate of Columbia.

A 55 year old can find quotes clustering between $712 and $799 for the cheapest 5 insurers. The lowest quote is with Southern Farm Bureau at $712 per year. Which is approximately 50% lower than the citywide average premium.

Columbia, SC cheapest premium choices for a 30, 45, and 55 year old.

Charleston, SC

Charleston CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
State Auto $1,543$1,187$967
Southern Farm Bureau$1,565$1,190$985
Nationwide$1,608$1,230$1,032
Allstate$1,641$1,255$1,044
GEICO$1,679$1,289$1,057
State Farm$1,700$1,320$1,097
Progressive$1,732$1,345$1,100
Liberty Mutual$1,711$1,408$1,098

Charleston is the largest city in the state with 135,000 residents. And one of the most beautiful cities replete with historical structures and southern charm. 

The Old Exchange and Customs House in downtown Charleston ranks with Boston’s Faneuil Hall and Philadelphia’s Independence Hall as one of the three most important Colonial buildings in the country.

Charleston is also home to Fort Sumter, where the first shots of the Civil War were fired, and Fort Moultrie, the site of a critical British defeat in the Revolutionary War. Patriot’s Point, located across the river in nearby Mount Pleasant, is home to the USS Yorktown and several other naval vessels.

Neat Facts about Charleston

  • The first game of golf played in the United States took place in Charleston, South Carolina.
  • The first shot to be fired in the Civil War was fired by Citadel Cadets Stationed at Morris Island.
  • North America’s longest cable-stayed bridge spans the Charleston Harbor.

If you are looking for auto premium savings then start by getting quotes from State Auto, Southern Farm Bureau, and Nationwide. We queried each at $1,543, $1,565, and $1,608 respectfully for a 30 year old driver. Which is 23% lower than the city average premium of $2,032 per year. And equate to more than $400 in savings.

For a 45 year old driver the lowest quotes are with State Auto, Southern Farm Bureau, and Nationwide. Each quoted at $1,187, $1,190, and $1,230 per year for full coverage. Or more than 31% lower than the “mean” rate.

For a 55 year old we found two carriers less than $1,000 per year. State Auto we queried at $967 which is 38% lower than the average premium. Southern Farm Bureau we queried at $985 and is 37% lower than the “mean” rate. This equates to $450 in savings if you were to get a premium at this price.

Charleston, SC inexpensive premium options for 30 and 45 year old.

Rock Hill, SC

Rock Hill CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
State Auto $1,230$980$799
Southern Farm Bureau$1,265$990$804
State Farm$1,300$1,054$803
Allstate$1,330$1,072$812
GEICO$1,376$1,095$879
Nationwide$1,403$1,135$890
Progressive$1,455$1,155$925
Liberty Mutual$1,487$1,204$974

Rock Hill was founded in the mid 1800’s, was named because of the presence of a small flint hill of rock. During the construction of the Charlotte and South Carolina Railroad, most of this rock was removed to make space for a depot. A post office was established on April 17, 1852, and Rock Hill was officially incorporated in 1892.

The railroad brought significant growth and prosperity to the community. The Saint Anne School, located in the city, was the first integrated school of South Carolina. Notable attractions include, the Glencairn Garden, President James K. Polk State Historic Site, Rock Hill Telephone Museum, Kings Mountain State Park, and the Daniel Stowe Botanical Garden.

To get a cheaper premium your best options are with State Auto, Southern Farm Bureau, and State Farm. We queried each at $1,230, $1,265, and $1,300 per year for a 30 year old. Which is 18% lower than the average premium of $1,590 per year. Or $290 in monthly savings.

For a 45 year old driver two carriers are less than $1,000. State Auto at $980 and Southern Farm Bureau at $990.  Both insurers are 24% lower than the “mean” rate of Rock Hill. State Farm is worth getting quotes from with a low quote at $1,054 per year for full coverage.

A 55 year old can find low quotes with State Auto and State Farm. We queried each at $799 and $803 for full coverage. Southern Farm Bureau and Allstate are 28% lower than the “mean” rate with quotes at $804 and $812 respectfully.

Rock Hill, SC affordable premium choices for 30 and 45 y/o.

Greenville, SC

Greenville CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
State Auto $1,187$968$761
Southern Farm Bureau$1,204$986$790
State Farm$1,265$1,035$811
Allstate$1,289$1,069$809
National Grange Mutual$1,305$1,121$799
Encompass$1,385$1,170$855
Progressive$1,414$1,189$889
Liberty Mutual$1,470$1,254$928

The Greenville downtown is an outstanding example of downtown revitalization. In 2003 the community received the Great American Main Street Award from the Main Street Center program of the National Trust for Historic Preservation. Founded in 1907, today it is city with nearly 70,000 residents.

There are many cultural and historical activities throughout the city. Notable attractions include, the County Museum of Art, Bob Jones University Museum, Museum of Confederate History, Warehouse Theater, Little Theater, and the Centre Stage.

Interesting Facts about Greenville

  • In the early 1900s, it was known as the “Textile Center of the World.”
  • The city served as a training camp center for Army recruits during World War I.
  • It is considered one of the most affordable cities to live in the U.S.

Most drivers don’t get a cheaper premium since they don’t know where to look. Start by getting quotes from State Auto, Southern Farm Bureau, and State Farm. We queried each at $1,187, $1,204, and $1,265 for a 30 year old driver. Which is 24% lower than the citywide average premium of $1,703 per year.

A 45 year old driver can find cheap rates with State Auto, Southern Farm Bureau, and State Farm. Each quoted at $968, $986,and $1,035 per year for full coverage. Which is 36% lower than the “mean” rate of Greenville. Allstate and National Grange are well below average with quotes at $1,069 and $1,121 respectfully.

Out of the 8 carriers we queried the most expensive is Liberty Mutual. We queried a 30 year old at $1,470, a 45 year old at $1,254, and a 55 year old at $928 per year.

Greenville, SC lowest auto premium options for 30 and 45 y/o.

Florence, SC

Florence CompanyAvg Ann. Rate for 30 Y/O DriverAvg Ann. Rate for 45 Y/O DriverAvg Ann. Rate for 55 Y/O Driver
State Auto $1,250$1,020$809
Southern Farm Bureau$1,269$1,025$811
State Farm$1,290$1,055$814
Allstate$1,365$1,090$819
National Grange Mutual$1,386$1,200$895
Encompass$1,410$1,211$929
Progressive$1,454$1,253$956
Liberty Mutual$1,480$1,276$980

Florence had its humble beginnings around the 1850’s. It started with a grant from the state of about 600 acres, and became known as a railroad depot and inn. Florence was named after Florence Henning Harlee, the daughter of the president of the Wilmington and Manchester Railroad.

Florence was incorporated as a city in 1890 with less than 2,000 residents. Today, it is major hub for South Carolina with nearly 40,000 residents and 200,000 in the metropolitan area. 

In 1965, Florence was named an All-American City, presented by the National Civic League. The city was founded as a railroad hub and became the junction of three major railroad systems. The city retains its status as a major hub, both for industry and infrastructure.

Getting cheap auto insurance is easy if you know where to get quotes from. Start with State Auto, Southern Farm Bureau, and State Farm. We queried each at $1,250, $1,269, and $1,290 for a 30 year old. Which is 25% lower than the citywide average premium of $1,829 per year.

For a 45 year old we found quotes clustering between $1,020 and $1,200. The cheapest is State Auto at $1,020 which is 32% lower than the “mean” rate. Or $300 in savings if you obtain a premium through them. Southern Farm Bureau is $1,025 per year of full coverage. The next cheapest is State Farm at $1,055 or 30% lower than the “mean” rate.

For a 55 year old we found 4 carriers clustering just over $800 per year. The 4 lowest are State Auto, Southern Farm Bureau, State Farm, and Allstate. It would be smart to get quotes from all 4 insurers to find the most savings.

Florence, SC inexpensive premium choices for 30 and 45 year old.

Resources & DMV Information

Department of InsuranceDepartment of TransportationMotor Vehicle Commission
1201 Main St, Columbia, SC 29201
(803) 737-6160
8890 Fairforest Rd, Spartanburg, SC 29303
(864) 587-4720
300 University Ridge #105, Greenville, SC 29601
(864) 241-1145
WebsiteWebsiteWebsite
Sources

http://doi.sc.gov/588/Automobile-Insurance

http://doi.sc.gov/Faq.aspx?QID=316

https://www.iii.org/sites

http://www.naic.org/

https://www.statefarm.com/

https://www.libertymutual.com/auto/car-insurance-coverage/south-carolina

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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