What is the best car insurance company in South Carolina?

There's no single company that always offers the best options for every driver. To find the best car insurance in South Carolina for your needs, it can be helpful to first consider your priorities. You may be most interested, for example, in a low-cost policy. Or perhaps excellent customer service is more important to you. Or you may have a teen driver or military connection in your family and want to look for a carrier that is known for selling policies to these demographic groups. Once you know what your top priorities are, ask for quotes from several likely companies for the same types and levels of coverage so you can do a comparison and see which insurer is able to offer you the most affordable price for coverage that suits your needs.

What is the cheapest car insurance company in South Carolina?

Bankrate found that American National offers the cheapest average car insurance rates in South Carolina for both full and minimum coverage. However, the cheapest company for you will vary based on your driver profile, so getting quotes and comparing rates can be a good strategy to save money. Just be sure to ask for the same coverage types and policy limits when shopping around so you can compare apples to apples.

Is car insurance required in South Carolina?

Yes, South Carolina requires drivers to carry at least minimum liability car insurance coverage. Drivers must carry at least 25/50/25, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage liability. South Carolina also requires 25/50/25 in uninsured motorist coverage. Insurance companies must offer you underinsured motorist coverage, as well, but you can decline it in writing if you don’t feel the need to buy the coverage.

Is South Carolina expensive for car insurance?

Although South Carolina’s average car insurance costs of $625 for minimum coverage and $1,955 for full coverage are significantly lower than the national average of $807 and $2,677, respectively, whether or not car insurance will be expensive for you depends on your personal factors, finances and premium. Remember that insurance rates always fluctuate, so you may want to shop around for coverage whenever your policy renews just to ensure you’re still getting the best rate.

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Average cost of car insurance in South Carolina for 2025

Written by

Ashlyn Brooks

Edited by

Mariah Posey

Updated Jul 01, 2025

In South Carolina, full coverage car insurance costs an average of $1,955 per year and minimum coverage costs an average of $625 per year.

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How much is car insurance in South Carolina?

South Carolina drivers pay an annual average of $625 for minimum coverage car insurance and $1,955 for full coverage, which typically includes collision and comprehensive insurance. These rates are below the national averages of $807 and $2,677, respectively. However, your own rate is based on data that is specific to you, including your ZIP code, driving record and credit history, so your rate is likely to differ.

Key takeaways

In South Carolina, drivers pay an average of $163 per month for full coverage car insurance and $52 per month for minimum coverage.
Young drivers tend to pay higher rates than older drivers, with 18-year-old males having the highest average premium at $6,170 per year for full coverage.
A DUI conviction in South Carolina can nearly double full coverage premiums.
Drivers with excellent credit pay around 19 percent less annually for full coverage than those with poor credit.

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South Carolina car insurance rates by city

South Carolina car insurance rates vary by city, too. Urban areas tend to have higher average rates since more vehicles on the road means a higher chance of getting into an accident. Additionally, the cost of living — and thus the cost of claims — tends to be higher in more populated cities.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Charleston	$2,082	+6%
Cordesville	$2,149	+9%
Saint George	$2,163	+10%
Summerville	$2,091	+7%
Dillon	$2,159	+10%
Gresham	$2,194	+12%
Little River	$1,946	-0%
Mc Coll	$2,144	+9%
Myrtle Beach	$1,916	-2%
Clemson	$1,695	-14%
Greenwood	$1,766	-10%
Hodges	$1,807	-8%
Liberty	$1,759	-11%
Pickens	$1,780	-9%
Richland	$1,713	-13%
Townville	$1,758	-11%
West Union	$1,714	-13%
Chesterfield	$1,982	+1%
Lane	$2,197	+12%
Latta	$2,175	+11%
Longs	$2,004	+2%
Marion	$2,127	+8%
Wallace	$2,076	+6%
Greenville	$1,846	-6%
Anderson	$1,837	-6%
Central	$1,685	-15%
La France	$1,778	-9%
Newry	$1,679	-15%
Pelzer	$1,842	-6%
Pendleton	$1,746	-11%
Lancaster	$2,099	+7%
Rock Hill	$1,843	-6%
Ballentine	$2,009	+3%
Cope	$2,121	+8%
Eastover	$2,104	+7%
Greeleyville	$2,211	+12%
Kershaw	$2,070	+6%
Lugoff	$2,021	+3%
Lynchburg	$2,180	+11%
Orangeburg	$2,088	+7%
Pinewood	$2,186	+11%
Rowesville	$2,199	+12%
Saluda	$1,940	-1%
Bamberg	$2,168	+10%
Camden	$2,042	+4%
Conestee	$1,843	-6%
Murrells Inlet	$1,897	-3%
Rains	$2,136	+9%
Donalds	$1,876	-4%
Six Mile	$1,773	-10%
Westminster	$1,725	-12%
Fort Lawn	$2,053	+5%
Smyrna	$1,880	-4%
York	$1,827	-7%
New Ellenton	$1,794	-9%
Barnwell	$2,109	+8%
Bradley	$1,870	-4%
Roebuck	$1,909	-2%
Duncan	$1,873	-4%
Bonneau	$2,140	+9%
Mount Pleasant	$1,900	-3%
Pinopolis	$2,107	+8%
Wellford	$1,901	-3%
Cottageville	$2,215	+12%
Georgetown	$2,091	+7%
Hollywood	$2,239	+14%
Ladson	$2,142	+9%
Saint Stephen	$2,222	+13%
Williams	$2,242	+14%
Clio	$2,112	+8%
Woodruff	$1,864	-5%
Hanahan	$2,101	+7%
North Charleston	$2,172	+11%
Goose Creek	$2,049	+5%
Ruffin	$2,219	+13%
Florence	$2,073	+6%
Pauline	$1,917	-2%
Waterloo	$1,806	-8%
Edisto Island	$2,170	+10%
Grover	$2,238	+13%
Jacksonboro	$2,285	+16%
Johns Island	$2,060	+5%
Adams Run	$2,228	+13%
Jamestown	$2,215	+13%
Ridgeville	$2,190	+11%
Russellville	$2,280	+15%
Bennettsville	$2,068	+6%
Bethera	$2,405	+21%
Pineville	$2,266	+15%
Reevesville	$2,147	+9%
Smoaks	$2,318	+17%
Walterboro	$2,178	+11%
Blenheim	$2,127	+8%
Conway	$2,021	+3%
Darlington	$2,058	+5%
Nesmith	$2,228	+13%
Calhoun Falls	$1,853	-5%
Due West	$1,872	-4%
Easley	$1,780	-9%
Coward	$2,180	+11%
Hamer	$2,201	+12%
Kingstree	$2,196	+12%
North Myrtle Beach	$1,818	-7%
Cross	$2,212	+12%
Huger	$2,161	+10%
Aynor	$2,080	+6%
North Augusta	$1,861	-5%
Hilton Head Island	$1,762	-10%
Ridgeland	$2,194	+12%
Columbia	$2,032	+4%
Moore	$1,896	-3%
Piedmont	$1,847	-6%
Travelers Rest	$1,844	-6%
Fort Mill	$1,856	-5%
Sunset	$1,765	-10%
Williamston	$1,876	-4%
Lando	$2,334	+18%
Aiken	$1,797	-8%
Greer	$1,793	-9%
Seneca	$1,691	-14%
Starr	$1,934	-1%
Tamassee	$1,758	-11%
Walhalla	$1,701	-14%
Jefferson	$1,976	+1%
Graniteville	$1,818	-7%
Mc Cormick	$1,941	-1%
Honea Path	$1,915	-2%
Simpsonville	$1,747	-11%
Ware Shoals	$1,875	-4%
Hickory Grove	$1,895	-3%
Mc Connells	$1,865	-5%
Fairfax	$2,391	+20%
Gloverville	$1,830	-7%
State Park	$2,085	+6%
Wagener	$1,948	-0%
West Columbia	$1,915	-2%
Winnsboro	$2,207	+12%
Spartanburg	$1,916	-2%
Inman	$1,831	-7%
Jonesville	$2,015	+3%
Long Creek	$1,756	-11%
Marietta	$1,842	-6%
Mountain Rest	$1,753	-11%
Bowling Green	$1,916	-2%
Chester	$2,049	+5%
Mount Croghan	$2,006	+3%
Clarks Hill	$1,938	-1%
Clifton	$1,926	-1%
Kinards	$1,899	-3%
Landrum	$1,838	-6%
Fork	$2,143	+9%
Pawleys Island	$1,880	-4%
Una	$1,932	-1%
Mc Clellanville	$2,050	+5%
Moncks Corner	$2,138	+9%
Andrews	$2,205	+12%
Hartsville	$2,066	+6%
Tatum	$2,139	+9%
Cleveland	$1,818	-7%
Johnsonville	$2,157	+10%
Lake View	$2,137	+9%
Little Rock	$2,187	+11%
Green Sea	$2,076	+6%
Lake City	$2,156	+10%
Pamplico	$2,205	+12%
Society Hill	$2,065	+5%
Effingham	$2,121	+8%
Nichols	$2,109	+8%
Sumter	$2,062	+5%
Turbeville	$2,170	+10%
White Rock	$1,985	+2%
Blythewood	$1,996	+2%
Silverstreet	$1,914	-2%
Springfield	$2,135	+9%
Wedgefield	$2,095	+7%
Whitmire	$1,971	+1%
Mountville	$1,856	-5%
Sellers	$2,140	+9%
White Stone	$1,919	-2%
Charleston Afb	$2,076	+6%
Awendaw	$2,005	+3%
Branchville	$2,245	+14%
Folly Beach	$2,002	+2%
Green Pond	$2,223	+13%
Ravenel	$2,235	+13%
Round O	$2,244	+14%
Sullivans Island	$1,933	-1%
Wadmalaw Island	$2,154	+10%
Cheraw	$1,970	+1%
Union	$2,032	+4%
Canadys	$2,470	+23%
Dorchester	$2,153	+10%
Cades	$2,237	+13%
Galivants Ferry	$2,200	+12%
Hemingway	$2,192	+11%
Patrick	$2,038	+4%
Startex	$1,923	-2%
Harleyville	$2,155	+10%
Isle Of Palms	$1,927	-1%
Loris	$2,103	+7%
Mullins	$2,122	+8%
Abbeville	$1,852	-5%
Belton	$1,892	-3%
Fair Play	$1,742	-11%
Fountain Inn	$1,779	-9%
Salters	$2,191	+11%
Scranton	$2,137	+9%
Gray Court	$1,808	-8%
Pacolet Mills	$2,203	+12%
Chesnee	$1,889	-3%
Cowpens	$1,941	-1%
Enoree	$1,875	-4%
Mauldin	$1,759	-11%
Sandy Springs	$1,776	-10%
Ruby	$2,000	+2%
Jackson	$1,935	-1%
Lowndesville	$1,866	-5%
Norris	$1,757	-11%
Allendale	$2,399	+20%
Saint Helena Island	$1,905	-3%
Port Royal	$1,814	-7%
Seabrook	$1,894	-3%
Varnville	$2,360	+19%
Hampton	$2,384	+20%
Lobeco	$1,921	-2%
Scotia	$2,386	+20%
Troy	$1,846	-6%
Ulmer	$2,262	+15%
Brunson	$2,398	+20%
Daufuskie Island	$1,850	-5%
Early Branch	$2,319	+17%
Blair	$2,190	+11%
Carlisle	$2,033	+4%
Jenkinsville	$2,153	+10%
Lamar	$2,053	+5%
Lexington	$1,897	-3%
New Zion	$2,232	+13%
Gaffney	$1,955	-0%
Joanna	$1,836	-6%
Lyman	$1,886	-4%
Bethune	$2,028	+4%
Beech Island	$1,895	-3%
Beaufort	$1,863	-5%
Vaucluse	$1,803	-8%
Coosawhatchie	$2,201	+12%
Garnett	$2,355	+19%
Luray	$2,371	+19%
Tillman	$2,180	+11%
Ninety Six	$1,873	-4%
Slater	$1,856	-5%
Pageland	$2,031	+4%
Elko	$2,043	+4%
Laurens	$1,820	-7%
Elloree	$2,093	+7%
Little Mountain	$1,957	+0%
Mayesville	$2,177	+11%
Norway	$2,162	+10%
Pelion	$2,014	+3%
Blackville	$2,085	+6%
Edgefield	$1,948	-0%
Blackstock	$2,157	+10%
Chappells	$1,911	-2%
Gadsden	$2,142	+9%
Gaston	$2,103	+7%
Gilbert	$1,919	-2%
North	$2,127	+8%
Cordova	$2,112	+8%
Hopkins	$2,072	+6%
Ehrhardt	$2,222	+13%
Manning	$2,162	+10%
Santee	$2,128	+8%
Warrenville	$1,823	-7%
Cayce	$1,922	-2%
Davis Station	$2,257	+14%
Eutawville	$2,177	+11%
Liberty Hill	$2,110	+8%
Olanta	$2,170	+10%
Ridgeway	$2,168	+10%
Cassatt	$2,023	+3%
Dalzell	$2,096	+7%
Horatio	$2,058	+5%
Newberry	$1,886	-4%
Rion	$2,415	+21%
Boiling Springs	$1,878	-4%
Arcadia	$1,927	-1%
Glendale	$1,905	-3%
Campobello	$1,873	-4%
Converse	$1,911	-2%
Pacolet	$1,924	-2%
Westville	$2,064	+5%
Bluffton	$1,832	-6%
Crocketville	$2,543	+26%
Yemassee	$2,258	+14%
Summerton	$2,116	+8%
Timmonsville	$2,131	+9%
Vance	$2,143	+9%
Drayton	$1,894	-3%
Ward	$1,957	+0%
Buffalo	$2,026	+4%
Cross Hill	$1,852	-5%
Shaw A F B	$2,052	+5%
Swansea	$2,056	+5%
Clinton	$1,854	-5%
Cross Anchor	$1,907	-2%
Montmorenci	$1,834	-6%
Trenton	$1,945	-1%
Sheldon	$1,924	-2%
Mount Carmel	$1,886	-4%
Williston	$2,049	+5%
Dale	$2,250	+14%
Islandton	$2,265	+15%
Alcolu	$2,173	+11%
Cameron	$2,141	+9%
Elliott	$2,150	+10%
Gable	$2,178	+11%
Leesville	$1,900	-3%
Prosperity	$1,915	-2%
Sharon	$1,904	-3%
Martin	$2,266	+15%
Batesburg	$1,916	-2%
Bishopville	$2,100	+7%
Great Falls	$2,230	+13%
Heath Springs	$2,114	+8%
Lodge	$2,247	+14%
Rembert	$2,064	+5%
Ridge Spring	$1,941	-1%
Chapin	$1,965	+1%
Mc Bee	$1,997	+2%
Monetta	$1,951	-0%
Neeses	$2,142	+9%
Peak	$2,207	+12%
Pomaria	$1,998	+2%
Saint Matthews	$2,117	+8%
Olar	$2,107	+8%
Plum Branch	$1,939	-1%
Estill	$2,434	+22%
Hardeeville	$1,986	+2%
Windsor	$1,909	-2%
Gifford	$2,348	+18%
Miley	$2,531	+26%
Iva	$1,934	-1%
Salem	$1,716	-13%
Taylors	$1,826	-7%
Blacksburg	$1,968	+1%
Catawba	$1,918	-2%
Clover	$1,904	-3%
Edgemoor	$2,060	+5%
Richburg	$2,111	+8%
Bath	$1,866	-5%
Johnston	$1,925	-2%
Modoc	$1,930	-1%
Ladys Island	$1,842	-6%
Okatie	$1,826	-7%
Furman	$2,457	+23%
Pineland	$2,338	+18%
Holly Hill	$2,130	+9%
Salley	$2,027	+4%
Bowman	$2,142	+9%
Denmark	$2,152	+10%
Elgin	$1,988	+2%
Irmo	$1,905	-3%

Average car insurance costs by age and gender in South Carolina

Age also plays a role in car insurance rates in SC, with younger, less experienced drivers paying the most. Drivers in their 50s and 60s pay the least per year, on average. Gender matters, too. Males tend to pay higher premiums than females due to their increased statistical likelihood of getting into an accident.

The table below shows the average costs for male and female drivers across a range of ages. Note that 16-year-old driver rates reflect adding a teen driver to their married parents’ policy since minors can’t enter into binding contracts.

Age 40

Average annual full coverage premium in SC

$1,982

Average minimum coverage premium in SC

$622

Age 50

Average annual full coverage premium in SC

$1,816

Average minimum coverage premium in SC

$595

Age 60

Average annual full coverage premium in SC

$1,768

Average minimum coverage premium in SC

$585

Age 70

Average annual full coverage premium in SC

$1,905

Average minimum coverage premium in SC

$666


Age 16*	Average annual full coverage premium in SC $4,510	Average minimum coverage premium in SC $1,574
Age 18	Average annual full coverage premium in SC $6,170	Average minimum coverage premium in SC $1,954
Age 20	Average annual full coverage premium in SC $4,451	Average minimum coverage premium in SC $1,376
Age 25	Average annual full coverage premium in SC $2,561	Average minimum coverage premium in SC $776
Age 30	Average annual full coverage premium in SC $2,103	Average minimum coverage premium in SC $649
Age 40	Average annual full coverage premium in SC $1,982	Average minimum coverage premium in SC $622
Age 50	Average annual full coverage premium in SC $1,816	Average minimum coverage premium in SC $595
Age 60	Average annual full coverage premium in SC $1,768	Average minimum coverage premium in SC $585
Age 70	Average annual full coverage premium in SC $1,905	Average minimum coverage premium in SC $666

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in SC

$1,927

Average minimum coverage premium in SC

$628

Age 50

Average annual full coverage premium in SC

$1,799

Average minimum coverage premium in SC

$600

Age 60

Average annual full coverage premium in SC

$1,733

Average minimum coverage premium in SC

$583

Age 70

Average annual full coverage premium in SC

$1,836

Average minimum coverage premium in SC

$643


Age 16*	Average annual full coverage premium in SC $4,076	Average minimum coverage premium in SC $1,471
Age 18	Average annual full coverage premium in SC $5,268	Average minimum coverage premium in SC $1,750
Age 20	Average annual full coverage premium in SC $3,703	Average minimum coverage premium in SC $1,225
Age 25	Average annual full coverage premium in SC $2,333	Average minimum coverage premium in SC $761
Age 30	Average annual full coverage premium in SC $2,038	Average minimum coverage premium in SC $655
Age 40	Average annual full coverage premium in SC $1,927	Average minimum coverage premium in SC $628
Age 50	Average annual full coverage premium in SC $1,799	Average minimum coverage premium in SC $600
Age 60	Average annual full coverage premium in SC $1,733	Average minimum coverage premium in SC $583
Age 70	Average annual full coverage premium in SC $1,836	Average minimum coverage premium in SC $643

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Insurance companies often consider gender when determining car insurance rates. Statistically, certain age groups — particularly younger male drivers — have higher incidences of speeding, accidents and DUIs, which insurers perceive as a heightened risk. These statistics can lead to men typically receiving higher quotes than women. However, as drivers age and their driving records start to outweigh gender-based trends, this gap in rates usually decreases.

Cost considerations for young drivers in South Carolina

If you’re under the age of 18, you’re not legally an adult and can’t buy your own car insurance in most cases. You’ll likely have to be added to your parents’ or guardians’ policy. Older teens and young adults can buy their own policy, but if they’re still members of their parents’ households, it usually makes more financial sense to stay on the family policy (if able). Doing so generally results in a cheaper car insurance premium than if the young driver were to buy their own coverage.


Age 16*	Avg. annual premium for drivers in SC $4,293
Age 17	Avg. annual premium for drivers in SC $3,858
Age 18	Avg. annual premium for drivers in SC $3,527
Age 19	Avg. annual premium for drivers in SC $3,127
Age 20	Avg. annual premium for drivers in SC $2,929

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in SC $5,719
Age 19	Avg. annual premium for drivers in SC $4,475
Age 20	Avg. annual premium for drivers in SC $4,077

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	62 percent more
Age 19	43 percent more
Age 20	39 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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How does driving record impact the cost of car insurance in South Carolina?

How much car insurance is in South Carolina can vary, especially for those with a less-than-perfect driving history. Your record has one of the biggest impacts on your car insurance premiums. A single speeding ticket could increase your full coverage rate by an average of 19 percent more in SC. A DUI conviction — one of the most severe infractions you can have — could nearly double your premium. Maintaining a clean driving record is one of the best ways to keep your rates steady over time.

The table here shows the average car insurance cost in South Carolina for several different types of driving incidents.


Clean driving record	Avg. annual premium* in SC $1,955	Percentage increase from SC avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in SC $2,324	Percentage increase from SC avg. annual premium* 19%
At-fault accident	Avg. annual premium* in SC $2,851	Percentage increase from SC avg. annual premium* 46%
DUI conviction	Avg. annual premium* in SC $3,344	Percentage increase from SC avg. annual premium* 71%

*The rates reflected are for full coverage policies.

Bankrate’s take: In South Carolina, an SR-22 is a certificate of financial responsibility that proves a driver carries the minimum required liability insurance. It is not an insurance policy itself but rather a form filed by your insurance company with the Department of Motor Vehicles (DMV) to confirm that you have the necessary coverage to drive legally in the state. It might be required if you have a DUI or other serious infraction or infractions on your driving record. Note that some insurers will not write policies for individuals with a DUI, and if this is the case for you, you will need to shop around for another insurer to cover you.

Car insurance rates in South Carolina by credit score

Like most states, South Carolina allows insurers to use your credit rating to help determine your car insurance premiums. Statistically, drivers with lower credit ratings tend to file more claims, which makes them a higher risk for insurers and results in higher premiums. For example, drivers with poor credit pay 102 percent more than drivers with good credit, while drivers with excellent credit pay 19 percent less.


Poor	Avg. annual premium* in SC $3,944	Percentage change from SC average annual premium* 102%
Average	Avg. annual premium* in SC $2,155	Percentage change from SC average annual premium* 10%
Good	Avg. annual premium* in SC $1,955	Percentage change from SC average annual premium* 0%
Excellent	Avg. annual premium* in SC $1,574	Percentage change from SC average annual premium* -19%

*Rates reflect full coverage policies.

South Carolina car insurance rates by vehicle type

Your vehicle make and model also has a large impact on your car insurance rates in South Carolina. Vehicles that cost less to repair or replace are less likely to get into accidents or have safety features that help mitigate the likelihood or severity of accidents may cost less to insure. On the other hand, vehicles that cost more to repair or replace generally have higher car insurance costs.


Toyota Camry	Avg. annual premium* in SC $1,955
Ford F-150	Avg. annual premium* in SC $1,972
Honda Odyssey	Avg. annual premium* in SC $1,784
BMW 330i	Avg. annual premium* in SC $2,533
Toyota Prius	Avg. annual premium* in SC $2,115

*Rates reflect full coverage policies.

Estimate your car insurance cost in South Carolina

Understanding the potential cost of car insurance in South Carolina can be challenging given the variety of influencing factors. To simplify this process, Bankrate offers a convenient calculator tool. By providing some fundamental details, you'll receive an estimated insurance premium. While it's not a precise quote, it can serve as a valuable reference to aid in your financial planning.

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How to save on car insurance in South Carolina

When shopping for car insurance in South Carolina, there are a few ways you may be able to save on costs. Finding affordable auto insurance rates may be harder if you have a ticket, accident or DUI on your record, but using these tips may help you get cheaper coverage:

Do an annual review: If it’s been a while since you purchased your policy, you may want to check what coverage types and amounts you’re currently paying for. If your insurance needs have changed, adjusting your coverage types or limits may help you save on your premium. For instance, if your car has significantly lost value over the years, you might switch to minimum coverage and save on your premium.
Get multiple quotes: If you do not want to change coverage but want more affordable car insurance rates, shopping around for quotes and switching carriers may be the way to go. Compare the same coverage types and limits to know which car insurance company offers the best rates for the coverage you need.
Increase one or both of your deductibles: Full coverage car insurance has two deductibles: one for comprehensive and one for collision. The higher your deductibles are, the lower your car insurance rate will likely be — but that does not mean it is the best option for everyone. If you choose to go with a higher deductible, make sure you can pay the full amount out of pocket in case you have to file a claim.
Know rates before you buy a car: One mistake people can make when purchasing a new (or new-to-them) car is focusing only on the monthly car loan payment and not factoring in the cost of car insurance. When shopping for cars, get quotes to compare different makes and models to determine what you can truly afford.
Take advantage of discounts: Most car insurance discounts are stackable so the savings can really add up if you qualify for several. By bundling auto and home, allowing the insurance company to track your driving habits with a telematics program or paying your premium up front and in full, you may be able to reduce your car insurance rates.

Frequently asked questions

There's no single company that always offers the best options for every driver. To find the best car insurance in South Carolina for your needs, it can be helpful to first consider your priorities. You may be most interested, for example, in a low-cost policy. Or perhaps excellent customer service is more important to you. Or you may have a teen driver or military connection in your family and want to look for a carrier that is known for selling policies to these demographic groups. Once you know what your top priorities are, ask for quotes from several likely companies for the same types and levels of coverage so you can do a comparison and see which insurer is able to offer you the most affordable price for coverage that suits your needs.
Bankrate found that American National offers the cheapest average car insurance rates in South Carolina for both full and minimum coverage. However, the cheapest company for you will vary based on your driver profile, so getting quotes and comparing rates can be a good strategy to save money. Just be sure to ask for the same coverage types and policy limits when shopping around so you can compare apples to apples.
Yes, South Carolina requires drivers to carry at least minimum liability car insurance coverage. Drivers must carry at least 25/50/25, which is $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage liability. South Carolina also requires 25/50/25 in uninsured motorist coverage. Insurance companies must offer you underinsured motorist coverage, as well, but you can decline it in writing if you don’t feel the need to buy the coverage.
Although South Carolina’s average car insurance costs of $625 for minimum coverage and $1,955 for full coverage are significantly lower than the national average of $807 and $2,677, respectively, whether or not car insurance will be expensive for you depends on your personal factors, finances and premium. Remember that insurance rates always fluctuate, so you may want to shop around for coverage whenever your policy renews just to ensure you’re still getting the best rate.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Ashlyn Brooks

Writer II, Insurance

Average cost of car insurance in South Carolina for 2025

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South Carolina car insurance rates by city

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Car insurance rates in South Carolina by credit score

South Carolina car insurance rates by vehicle type

Estimate your car insurance cost in South Carolina

Calculate your monthly car insurance payment

How to save on car insurance in South Carolina

Frequently asked questions

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