Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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Compare RatesStart Now → licensed agents did a comparison study of the cheapest car insurance companies in South Carolina and found The Hartford ($580 per year) provides the cheapest insurance for state minimum coverage.

GEICO ($1,388 per year) provides the most affordable insurance coverage option for South Carolina drivers with full coverage insurance policies

Affordable South Carolina Car Insurance Rates

Drivers in South Carolina have several options to choose from when looking for affordable and reliable car insurance companies.

Cheapest Car Insurance in South Carolina - Quick Hits
AutoInsureSavings.orgThe cheapest South Carolina car insurance options are:

Cheapest for minimum coverage: The Hartford
Cheapest for full coverage: GEICO
Cheapest after an at-fault accident: Farm Bureau
Cheapest after a speeding ticket: Auto-Owners
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: Farm Bureau
For young drivers with a speeding violation: State Farm
For young drivers with an at-fault accident: Farm Bureau
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This excellent South Carolina auto insurance guide will help you find the best car insurance premiums and save money for drivers in various categories and age groups. 

Cheapest auto insurance coverage showing The Hartford, USAA, and GEICO compared to average rates.

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Cheapest Car Insurance in South Carolina for Minimum Coverage

Our licensed insurance agents found The Hartford offers the cheapest rates for minimum coverage car insurance in South Carolina for drivers with a clean driving record with a $580 yearly quote or $48 monthly rate during our comparison shopping analysis.

The average South Carolina state minimum rate is $721 per year, and The Hartford’s quote is $141 cheaper or 20% less expensive than average rates.  

CompanyAverage Annual RateAverage Monthly Rate
The Hartford$580$48
State Farm$671$56
South Carolina Farm Bureau$753$63
Liberty Mutual$836$71
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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

While drivers in South Carolina can enjoy lower auto insurance rates by taking out a minimum coverage policy, you may not have all the coverage you need to cover the cost of repairs if your motor vehicle is involved in a severe crash.

Therefore, it is good to compare the rates with multiple car insurance providers with full coverage policies in South Carolina that offer first-party coverage, which pays to replace or repair your vehicle in an accident. 

Cheapest Full Coverage Car Insurance For Drivers in South Carolina

Our agents found GEICO offers the cheapest auto insurance option with a quote at $1,388 per year or $115 per month for affordable full coverage rates.

GEICO’s rate is 20% less expensive than South Carolina’s average rate of $1,720 annually or $332 less per year.

InsurerAnnual CostMonthly Cost
The Hartford$1,461$121
South Carolina average$1,720$143
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The average cost for full coverage car insurance for drivers in South Carolina is $1,720 annually or $143 per month. The difference between the average price of minimum coverage and a policy with comprehensive and collision insurance in South Carolina is $998.

Although full coverage is more expensive than a basic insurance policy, the amount you can save over time with comprehensive and collision coverage can help make up the difference since you won’t pay for your vehicle’s property damage from inclement weather or vandalism out of pocket.

Cheapest Car Insurance with a Speeding Ticket in South Carolina

South Carolina drivers with one speeding ticket in their driving history can save 26% with Auto-Owners Insurance, which has average annual premium costs of $1,681 per year.

We found Auto-Owner’s rate is $561 cheaper than South Carolina’s mean speeding violation rate of $2,242 annually.

InsurerAnnual CostMonthly Cost
State Farm$1,840$153
South Carolina average$2,242$186
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In South Carolina, drivers pay an average of $2,242 annually for their car insurance or a 24% rate increase if they have traffic tickets on their driving record.

Therefore, it is good to choose a car insurance company that offers the lowest rates for drivers with a speeding violation, even if you do not currently have one on your driving record.

Cheapest Car Insurance with an Auto Accident in South Carolina

Drivers in South Carolina with one at-fault car accident on their driving records can get cheaper auto insurance with Farm Bureau, which provided our agents a $2,045 yearly rate or 30% less expensive than South Carolina’s average accident rate for full coverage.

Our agents suggest comparing insurance quotes with State Farm to find the best rate since their quotes are 26% cheaper for an at-fault accident.

InsurerAnnual CostMonthly Cost
Farm Bureau$2,045$170
State Farm$2,161$180
South Carolina average$2,910$242
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We found the average cost of coverage can increase by 41% in South Carolina with an at-fault accident during analysis.

The average insurance premium difference for a driver with a clean driving history than a driver with one accident is $1,190 per year.

Cheapest Car Insurance With a DUI in South Carolina

Progressive offers the cheapest DUI coverage rates for drivers in South Carolina with a $2,247 annual premium or $187 per month during our rate analysis.

Progressive’s rate is 33% less expensive than South Carolina’s average car insurance premiums for a driver with a DUI in their driving history.

InsurerAnnual CostMonthly Cost
State Farm$2,460$205
Farm Bureau$2,712$226
South Carolina average$3,341$278
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Drivers who receive a DUI conviction in South Carolina can expect their insurance to go up by as much as 49% annually, along with a temporary driver’s license suspension or a required ignition interlock device (IID) installed in their motor vehicle.

According to the South Carolina Division of Insurance (SC DOI), drivers who take a defensive driving course could lower insurance costs by 30% after a DUI violation. 

Cheapest Car Insurance for Drivers With Poor Credit in South Carolina

South Carolina drivers with bad credit can find the cheapest insurance with GEICO, with an annual $1,924 rate for full coverage. GEICO’s rate is 33% less expensive than the statewide average of $2,467.

Additional car insurance companies with better than average rates for drivers with poor credit are Travelers Insurance and Auto-Owers.

Both auto insurers offer monthly rates at $171 and $188, respectfully or 9% lower than average. 

InsurerAnnual CostMonthly Cost
South Carolina average$2,467$205
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The average cost of auto insurance for drivers in South Carolina with poor credit is $2,467 per year, or 31% higher than the state average. Car insurance companies will often look at your credit report’s details to determine what your auto insurance rate should be.

Cheapest Car Insurance for Young Drivers in South Carolina

During our insurance agent’s comparison analysis, young South Carolina drivers or college students with a clean driving record can find the cheapest minimum liability auto insurance with Farm Bureau with a $1,761 minimum coverage rate.

Young driver’s next best option is Auto-Owners Insurance, for state minimum, which provided our agents at $1,953 annual rate for liability insurance. 

InsurerFull CoverageMinimum Coverage
Farm Bureau$3,642$1,761
State Farm$4,968$2,281
South Carolina average$6,512$2,650
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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

Young or teen drivers looking for the most affordable full coverage auto policy should go with South Carolina Farm Bureau, which provided us a $3,642 quote or 44% lower than South Carolina’s average of $6,512.

Additional auto insurers offering cheaper than average full coverage rates for young South Carolina drivers are Auto-Owners and Travelers Insurance, with quotes at $3,849 and $4,147or at least 37% cheaper. 

Young or adolescent drivers have higher car insurance rates in South Carolina due to their lack of experience and a higher risk of being involved in a car accident.

One of the best ways for younger drivers to get cheaper auto insurance rates is by adding a young or teen driver to their parents’ policy. 

According to the South Carolina Department of Insurance, the average household’s car insurance bill rose by 152% when adding an inexperienced driver to a policy, compared to a 267% increase when a young person has their own insurance policy. 

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

With a speeding violation in their driver history, younger drivers in South Carolina should look to State Farm for cheap auto insurance.

State Farm’s annual rate of $5,032 or $419 per month is 28% cheaper than the average $6,512 rate for full coverage.

InsurerAnnual CostMonthly Cost
State Farm$5,032$419
Farm Bureau$5,368$447
South Carolina average$6,981$581
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Cheapest Car Insurance for Young Drivers with an At-Fault Accident

The cheapest auto insurance coverage for younger drivers with one at-fault accident in South Carolina is Farm Bureau, which provided our agents a $451 monthly rate for full coverage or 31% less expensive than the state average. 

The next cheapest insurance option is State Farm, with a $493 monthly rate or 22% less expensive than the average at-fault accident rate for younger people under 25. 

InsurerAnnual CostMonthly Cost
Farm Bureau$5,512$451
State Farm$5,918$493
South Carolina average$7,568$630
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Best Auto Insurance Companies in South Carolina

Our licensed agent’s research found that Auto-Owners Insurance, USAA, and Nationwide, offered some of the lowest auto insurance rates with quality customer service and sound financial strength ratings for various South Carolina drivers.

Suppose you want to find the best car insurance company with customer service and claims handling. In that case, Auto-Owners is the best option where 100% of customers are satisfied with a recent claim, according to ValuePenguin’s recent survey.  

Auto Insurer% of respondents extremely satisfied with recent claim% of respondents rated customer service as excellent
State Farm73%46%
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We used the National Association of Insurance Commissioners (NAIC) complaint index to find the best auto insurer in an alternative approach.

The car insurance company with the lowest complaint index ratio is Farm Bureau Insurance with 0.22, with 1.00 being the national average. Auto-Owners ratio is 0.44, well below the national average, and Allstate is 0.63.

Farm Bureau has no rating with J.D. Power’s claims satisfaction survey. Still, they have an “A+” financial strength ratings with A.M. Best, while Auto-Owners has an “A++” financial strength ratings and an 890 J.D. Power claims satisfaction score.

If you are shopping for the cheapest car insurance in South Carolina with quality coverage and excellent customer service, we recommend either Farm Bureau Insurance or Auto-Owners. 

Insurance CompanyNAIC complaint indexJ.D. Power Claims SatisfactionAM Best Rating
South Carolina Farm Bureau0.22n/aA+
State Farm0.66881A++
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*NAIC complaint ratio index, the lower the number, the better. Farm Bureau Insurance has an index of 0.22 complaints based on market share, while Auto-Owners is 0.44. Both car insurers are well below the national average of 1.00.

Average Car Insurance Cost by City in South Carolina licensed agents surveyed multiple insurance companies across most South Carolina cities and found the average cost of car insurance is $1,720 per year.

Your zip code in South Carolina is a significant factor that can influence your car insurance rates, along with your credit score, driver profile, marital status, type of motor vehicle, and coverage levels.

Cheapest Auto Insurance in Charleston, SC licensed agents found Travelers is the cheapest car insurance company for drivers in Charleston. They provided us a $1,515 annual rate for full coverage, 21% less expensive than Charleston’s yearly average rate of $1,914.

Charleston CompanyAverage Premium
Farm Bureau$1,671
State Farm$1,775
Charleston average$1,914
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Cheapest Auto Insurance in Columbia, SC

Columbia drivers can find the cheapest full coverage insurance policy with Farm Bureau, which provided our agents a $1,490 annual rate per year for our sample 30-year-old. Farm Bureau’s insurance quote is 23% cheaper than average rates for similar driver profiles in Columbia. 

Columbia CompanyAverage Premium
Farm Bureau$1,490
Liberty Mutual$1,836
Columbia average$1,912
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Cheapest Auto Insurance in Mount Pleasant, SC

Mount Pleasant drivers can find cheap auto insurance policies with Farm Bureau, which provided us a $1,316 yearly rate for our sample 30-year-old driver with full coverage. Farm Bureau’s quote is 30% cheaper than Mount Pleasant’s $1,869 average rates.

Mount Pleasant CompanyAverage Premium
Farm Bureau$1,316
Mount Pleasant average$1,869
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Cheapest Auto Insurance in Rock Hill, SC

Rock Hill residents looking for the best auto insurance policies should get quotes from Auto-Owners Insurance, which provided our insurance agents a $1,424 yearly rate for a 30-year-old driver with $100,000 in liability insurance and a $500 deductible for collision and comprehensive.

Auto-Owners’ car insurance quote is $422 less per year than Rock Hill’s average annual rate of $1,846.

Rock Hill CompanyAverage Premium
State Farm$1,531
Liberty Mutual$1,780
Rock Hill average$1,846
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Cheapest Auto Insurance in Greenville, SC

Our agents found the cheapest auto insurance in Greenville is with GEICO, with a $1,486 per year rate for a full coverage policy with $500 deductibles for comprehensive and collision insurance. GEICO’s quote is 21% less expensive than Greenville’s $1,870 average rate. 

Greenville CompanyAverage Premium
The Hartford$1,613
Greenville average$1,870
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Cheapest Auto Insurance in Hilton Head Island, SC

Hilton Head drivers can find the cheapest car insurance with Nationwide, which provided our agents a $1,418 average rate per year with $100,000 in liability coverage and $500 deductibles for collision and comprehensive insurance. Nationwide’s $118 monthly rate is 25% less expensive than Hilton Head’s $1,888 average rate. 

Hilton Head CompanyAverage Premium
Hilton Head average$1,888
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Average Car Insurance Cost for All Cities in South Carolina

CityAnnual Premium CostCityAnnual Premium Cost
Myrtle Beach$1,944Landrum$1,717
North Charleston$1,877Latta$1,654
Mount Pleasant$1,869Laurens$1,707
Rock Hill$1,846Leesville$1,713
Summerville$1,841Liberty Hill$1,749
Hilton Head Island$1,888Little Mountain$1,696
Florence$1,913Little River$1,750
Spartanburg$1,903Little Rock$1,747
Adams Run$1,733Lockhart$1,756
Aiken$1,707Long Creek$1,701
Atlantic Beach$1,696Lyman$1,775
Bamberg$1,742Marion $1,717
Barnwell$1,713Marlboro $1,733
Bates Leesville$1,765Mauldin$1,796
Beaufort$1,707Mc Bee$1,742
Beech Island$1,717Mc Clellanville$1,696
Belton$1,808Mc Connells$1,701
Bishopville$1,812McCormick $1,771
Blackstock$1,814Moncks Corner$1,713
Boiling Spgs$1,733Montmorenci$1,787
Boiling Springs$1,713Moore$1,818
Bonneau$1,707Mount Croghan$1,742
Bowling Green$1,701Mountain Rest$1,683
Bradley$1,792Mt Pleasant$1,717
Buffalo$1,696Murrells Inlet$1,812
Cades$1,753Murrells Inlt$1,796
Calhoun $1,765Neeses$1,654
Calhoun Falls$1,683Nesmith$1,701
Camden$1,742New Ellenton$1,785
Campobello$1,811New Zion$1,713
Cayce$1,728Ninety Six$1,733
Chapin$1,701North Augusta$1,753
Chappells$1,782North Myrtle Beach$1,799
Clearwater$1,812Pacolet Mills$1,790
Clinton$1,753Parris Island$1,713
Converse$1,707Pawleys Island$1,789
Cross Anchor$1,719Pineville$1,753
Cross Hill$1,771Pinewood$1,707
Daniel Island$1,742Port Royal$1,701
Davis Station$1,765Rains$1,719
Due West$1,733Richburg$1,803
Early Branch$1,696Ridge Spring$1,742
Edgefield $1,753Roebuck$1,707
Edisto Island$1,654Ruby$1,765
Elliott$1,801Saint George$1,713
Enoree$1,701Saint Helena Island$1,696
Estill$1,742Saint Stephen$1,728
Fair Play$1,707Salley$1,654
Fairfield $1,719Salters$1,804
Fairforest$1,683Sandy Springs$1,790
Folly Beach$1,713Scranton$1,701
Fort Lawn$1,812Sellers$1,753
Fort Mill$1,728Seneca$1,696
Fountain Inn$1,654Sharon$1,800
Furman$1,701Shaw Afb$1,719
Garnett$1,722Six Mile$1,701
Gilbert$1,696Society Hill$1,683
Gloverville$1,753St Helena Is$1,722
Goose Creek$1,654Starr$1,696
Graniteville$1,683State Park$1,790
Gray Court$1,713Sullivans Is$1,654
Great Falls$1,707Sullivans Island$1,812
Green Pond$1,654Sunset$1,683
Green Sea$1,728Surfside Beach$1,765
Hampton$1,701Tega Cay$1,707
Hartsville$1,683Travelers Rest$1,814
Heath Springs$1,736Travelers Rst$1,713
Hickory Grove$1,707Troy$1,722
Hilton Head$1,783Turbeville$1,803
Holly Hill$1,736Union$1,733
Hollywood$1,728Van Wyck$1,736
Honea Path$1,771Vance$1,707
Huger$1,753Wadmalaw Island$1,696
Isle Of Palms$1,683Ward$1,713
Iva$1,808Ware Shoals$1,722
Jasper $1,783Wellford$1,654
Jefferson$1,713West Columbia$1,701
Joanna$1,811West Union$1,771
Johns Island$1,733Westminster$1,783
Jonesville$1,728White Rock$1,696
Kershaw$1,722White Stone$1,713
La France$1,740Williams$1,733
Lake City$1,683Williston$1,728
Lake View$1,739Windsor$1,707
Lake Wylie$1,696Woodruff$1,713
Lancaster $1,683York$1,654
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South Carolina Minimum Auto Insurance Requirements

Drivers must have minimum car insurance requirements to be legal and compliant with state law. 

Car insurance requirements
$25,000 per person / $50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
$25,000 per person / $50,000 per accident for uninsured motorist coverage
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Buying a minimum coverage policy is the most affordable and cheapest insurance option; however, if you are involved in an auto accident, a state minimum insurance policy will not cover property damage to your car. 

Frequently Asked Questions

Who has the Cheapest Car Insurance in South Carolina?

The Hartford offers the most affordable rates for those wanting minimum coverage in South Carolina, with an annual rate of $580 or $48 per month for 30-year-olds. The Hartford’s rate is 20% less expensive than the state average of $721. USAA offers state minimum coverage at $611 per year or $51 per month for those who qualify.

How Much is Car Insurance in South Carolina per Month?

The average cost of car insurance in South Carolina is $60 per month for those who want minimum coverage and $143 per month for people needing full coverage policies. Companies that offer rates less than that per month include The Hartford, USAA, and GEICO. 

How Much Is Full Coverage Car Insurance in South Carolina?

The average cost of full coverage South Carolina car insurance is $1,720 annually or $143 per month, including uninsured motorists coverage. The following insurance companies offer cheaper rates than the state’s average: GEICO at $1,388, The Hartford at $1,461, and Travelers at $1,525 per year for a 30-year-old driver.

How do I Save on Car Insurance in South Carolina?

It is best to compare auto insurance quotes with the same coverage level from several top companies to find the most affordable rates. Asking your agent or insurance company about money-saving discounts or usage-based insurance can help you lower your overall insurance costs, such as a safe driver or multi-policy discounts from life, rental, or home insurance policies. Keeping an eye on your credit report and maintaining safe driving habits can help you save money on your South Carolina auto insurance.

To learn more about the most affordable car insurance options in South Carolina, enter your zip code in our quote comparison tool or get expert advice at Our licensed insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping study used a full-coverage auto policy with a clean driving record for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability $50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision coverage$500 deductible

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We used rates for drivers with an accident history, credit score, and marital status for other South Carolina rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.


– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– SC – Department of Insurance. “Teen Drivers, Insurance & Safety.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– South Carolina Department of Insurance. “Automobile Insurance.”
– Insurance Information Institute. “Uninsured Motorists.”