Skip to Main Content

Best car insurance in South Carolina for 2024

Updated Jun 01, 2024
Bankrate’s editorial team determined the best car insurance companies in South Carolina.
Location-Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in South Carolina

Bankrate’s insurance editorial team researched dozens of major car insurance companies in South Carolina to determine the best carriers in the state. To compile this ranking, we compared each carrier’s average rates against the state average in South Carolina, which is $1,881 per year for full coverage and $603 per year for minimum coverage.

We also reviewed third-party scores and ratings from agencies like AM Best for financial strength and J.D. Power’s 2023 U.S. Auto Insurance Study for customer satisfaction in the Southeast region. If you’re looking for the best auto insurance in South Carolina, consider starting with Geico, State Farm, Travelers, Nationwide or Allstate to see if one of these companies might fit your needs.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,999
$659
4.3
Rating: 4.3 stars out of 5
$2,392
$887
4.2
Rating: 4.2 stars out of 5
$1,440
$543
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$2,091
$445

Geico

Best for digital policy servicing

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$167/mo

Avg. full coverage premium

$1,999/yr

Customer satisfaction

828/1,000

State Farm

Best for local agencies

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$199/mo

Avg. full coverage premium

$2,392/yr

Customer satisfaction

847/1,000

Travelers

Best for discount opportunities

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$120/mo

Avg. full coverage premium

$1,440/yr

Customer satisfaction

818/1,000

Nationwide

Best for customizable coverage

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

834/1,000

Allstate

Best for extra rewards opportunities

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$174/mo

Avg. full coverage premium

$2,091/yr

Customer satisfaction

832/1,000

Lightbulb

How Bankrate chose the best car insurance companies in South Carolina

To help you find the best auto insurance in South Carolina, Bankrate’s insurance editorial team took a systematic approach. Part of our process includes assigning each carrier a Bankrate Score that takes into account quoted premiums from Quadrant Information Services as well as available coverage types, discounts, third-party reviews and other metrics. We take these factors and assign each carrier a Bankrate score out of 5.0. The higher the rating, the higher a company ranked in the individual rating categories. Each of the best car insurance companies on our list offers a balance of competitive rates, reputable financial strength, user-friendly digital tools and functional customer service.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To help South Carolina drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in South Carolina

Every driver may have different insurance needs depending on their driving record, vehicle type and budget, meaning the process for finding the best auto insurance in South Carolina may look different for each person. The following steps could be used as guidance during your insurance-buying journey.

Related content:

Ready for your quote?

Answer a few questions to see personalized rates from top carriers in South Carolina

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in South Carolina?

When it comes to car insurance, South Carolina drivers tend to pay less than the national average. While South Carolina drivers pay, on average, $1,881 annually for full coverage, the average cost of full coverage car insurance in the U.S. is $2,311 per year, according to Bankrate’s 2024 study of quoted annual premiums. Average minimum coverage premiums in South Carolina are also lower than the rest of the country. The national annual average for minimum coverage is $640, compared to $603 in South Carolina. This difference may be attributed, in part, to South Carolina's rural counties, which may experience a lower rate of incidents from congested traffic.

Car insurance in South Carolina is slightly higher than its neighbor North Carolina, which has averages of $1,828 for full coverage and $536 for minimum coverage. Neighboring Georgia's rates, on the other hand, are considerably higher than South Carolina's, coming in at $2,554 for full coverage and $867 for minimum coverage. This could be due to Georgia’s busy, congested metro Atlanta area factoring into the state’s average rates.

These rates are averages and may be a helpful point of comparison during your car insurance search. However, your exact rates may vary based on the provider you choose and your personal characteristics.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in South Carolina

Looking at average statewide rates can give you a ballpark estimate of what drivers in South Carolina pay for their car insurance coverage. But your personal rates may vary substantially based on your driving record, vehicle type, location and more. With the calculator tool below, you can enter a few basic pieces of information and get a more accurate picture of what you could expect your car insurance to cost.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.
Edited by Senior Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute