Skip to Main Content

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 in South Carolina for 2025

Updated Jul 01, 2025
Geico, State Farm and Travelers are among the best car insurance companies in South Carolina according to Bankrate’s proprietary research method.
Location Pin Icon

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.

Zip Hero Image

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 $1,955 per year for full coverage and $625 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 2024 U.S. Auto Insurance Study for customer satisfaction in the Southeast region. If you’re looking for South Carolina’s best car insurance, consider starting with Geico, State Farm, Travelers, Nationwide or Allstate to see if one of these companies might fit your needs.

4.3
Rating: 4.3 stars out of 5
4.3
Rating: 4.3 stars out of 5
$2,012
$2,012
$664
$664
4.3
Rating: 4.3 stars out of 5
4.3
Rating: 4.3 stars out of 5
$2,334
$2,334
$921
$921
4.1
Rating: 4.1 stars out of 5
4.1
Rating: 4.1 stars out of 5
$1,428
$1,428
$630
$630
4.0
Rating: 4 stars out of 5
4.0
Rating: 4 stars out of 5
N/A
N/A
N/A
N/A
3.9
Rating: 3.9 stars out of 5
3.9
Rating: 3.9 stars out of 5
$2,259
$2,259
$517
$517

Geico

Best for low average rates

Geico

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$168/mo

Avg. full coverage premium

$2,012/yr

Customer satisfaction

670/1,000

State Farm

Best for local agents

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$195/mo

Avg. full coverage premium

$2,334/yr

Customer satisfaction

677/1,000

Travelers

Best for discounts

Travelers

4.1

Rating: 4.1 stars out of 5

Avg. full coverage premium

$119/mo

Avg. full coverage premium

$1,428/yr

Customer satisfaction

606/1,000

Nationwide

Best for coverage add-ons

Nationwide

4.0

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

691/1,000

Allstate

Best for added perks

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$188/mo

Avg. full coverage premium

$2,259/yr

Customer satisfaction

654/1,000

Lightbulb Icon

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

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location Pin 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, $1,955 annually for full coverage, the average cost of full coverage car insurance in the U.S. is $2,677 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 $807, compared to $625 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 comparable to its neighbor North Carolina, which has averages of $1,955 for full coverage and $661 for minimum coverage. Neighboring Georgia's rates, on the other hand, are considerably higher than South Carolina's, coming in at $2,863 for full coverage and $1,006 for minimum coverage. This could be because Georgia is a no-fault state, and therefore requires drivers to carry more coverage.

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

Frequently asked questions

Methodology

Rates

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: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
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

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by
Natalie Todoroff
Writer II, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Senior editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute