Car insurance in South Carolina

Before getting auto insurance in South Carolina

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How much is car insurance in South Carolina?

You might think that getting car insurance is all the same no matter where you go. But coverage requirements and overall costs can vary a lot based on your location alone, and the level of coverage that works out in Nevada isn’t the same as what you need in South Carolina.

If you plan to drive in South Carolina, you’ll need to carry a minimum level of liability coverage. You’ll also have the option to carry additional protection on your policy, which might better protect you, your vehicle, your passengers and your fellow travelers on the road.

South Carolina

Car insurance quick facts

25/50/25

Minimum liability requirements

$1,300

Average annual car insurance cost

30

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
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  • Transparent quoting

Compare South Carolina car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Most popular South Carolina auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$982,28122.5%
Geico$598,45013.70%
Allstate$490,18311.20%
Progressive$437,777105$
USAA$419,7799.60%
Nationwide$250,3925.70%
Liberty Mutual$220,6025.10%
Travelers$200,2054.60%
Southern Farm Bureau$142,6263.30%
Auto-Owners Insurance$87,4012%

Average car insurance costs in South Carolina

Most drivers in South Carolina can expect to pay about the national average, which was somewhere between $1,200 and $1,300 annually in 2017. This is quite a bit more than in the cheapest state, Maine, where coverage averaged around $900 a year, but it’s much cheaper than Michigan, the most expensive state in the country for auto insurance. Michigan’s drivers paid on average more than $2,300 a year in 2017.

What’s more, your costs are likely to change based on where you are in the state. City driving comes with additional risks for traffic accidents, theft and vandalism. If you live in downtown Charleston or Columbia, you can expect to pay more for your coverage than if you lived in Bluffton or Travelers Rest.

Cheapest car insurance in South Carolina

Which city has the cheapest car insurance in South Carolina?

Of South Carolina’s largest cities, Simpsonville has the cheapest rates and Lexington has the most expensive car insurance rates. Lexington drivers could face rates 7 times more than Simpsonville drivers.

Car insurance quotes in Summerville

CompanyAnnual car insurance rate
Allstate$2681
Farmers$7393
Metromile$1764
SafeAuto$1184
Progressive$2215

Car insurance quotes in Rock Hill

CompanyAnnual car insurance rate
Allstate$2304
Farmers$7009
Metromile$1573
SafeAuto$1146
Progressive$1962

Car insurance quotes in Goose Creek

CompanyAnnual car insurance rate
Allstate$2681
Farmers$7317
Metromile$1764
SafeAuto$1250
Progressive$2222

Car insurance quotes in Simpsonville

CompanyAnnual car insurance rate
Allstate$2520
Farmers$6462
Metromile$1510
SafeAuto$1069
Progressive$1882

Car insurance quotes in Lexington

CompanyAnnual car insurance rate
Allstate$2518
Farmers$7635
Metromile$1684
SafeAuto$1148
Progressive$2390

State minimum requirements in South Carolina

To legally drive in South Carolina, you’ll need insurance that includes at least:

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

When you’re shopping for coverage, you might see these minimums expressed as 25/50/25.

Additional requirements: Uninsured motorist insurance

South Carolina also requires you to carry coverage for uninsured motorists, so that you’re protected in a hit-and-run scenario or a crash with someone who doesn’t have enough coverage. The amounts you’ll need for this coverage are the same as your typical liability insurance: 25/50/25.

Can I get SR-22 insurance in South Carolina?

Yes, you can get an SR-22 in South Carolina, which is a document your insurance company files with the state that proves you have the minimum liability coverage needed to get behind the wheel. You might need this kind of coverage if you’ve gotten a DUI or if you’re caught driving without the minimum car insurance required by the state.

Bottom line

To best protect yourself, your vehicle and others on the road in South Carolina, you’ll want to find a car insurance policy that works for your needs and your budget. The good news is that you have a lot of options, and by shopping around and comparing rates, you’re sure to find a terrific value.

To learn more about these topics, from state laws and requirements to discounts and savings, read our comprehensive guide to car insurance.

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