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Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Compare rates and save on auto insurance today! Get quotes Close X In South Carolina, the average cost of car insurance is $558 per year for minimum state liability coverage while full coverage is $1,512 annually. requires drivers to carry state minimum liability limits to register and drive a car on the roads. As the , drivers in South Carolina should consider purchasing enough coverage to protect them and their families financially in the event of an accident. When purchasing car insurance in South Carolina and other states, price is often a deciding factor in choosing the right . By shopping for several quotes with different insurance companies, drivers can determine which company offers the broadest coverage for the best price. See More 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. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. See more providers in Choose from insurers in Show More 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. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. See more providers in Choose from insurers in Show More How much does car insurance cost in South Carolina
The price each driver pays for car insurance rates in South Carolina is determined by a number of factors. Which ZIP code you live in, your age, driving record, make and model of the vehicle and coverages needed all matter when purchasing car insurance. Rates for South Carolina are just below the in the U.S., which is $565 for state minimum liability coverage and $1,674 for full coverage per year. 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. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . 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. South Carolina car insurance rates by company
As you can see by the table below, the cost of auto insurance in South Carolina varies by carrier, even when using the same driving profile. When trying to find the best and , shopping for multiple quotes is usually the easiest way to find a company for your car insurance needs. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage American National $227 $505 $396 $1,203 $424 $1,342 $433 $1,379 $460 $1,141 $507 $1,447 $568 $1,391 $585 $1,326 $598 $1,404 $616 $1,457 $1,138 $2,781 American Independent $1,472 $4,292 South Carolina car insurance rates by city
To give an idea of how car insurance costs differ by city in South Carolina, we analyzed quotes from the top 20 cities in the state by population. The table below outlines the average annual premium for full coverage and the percentage difference based on the state average of $1,512 per year. City Average annual premium for full coverage % difference from state average annual premium Columbia $1,547 2% Charleston $1,626 8% Greenville $1,410 -7% North Charleston $1,617 7% Summerville $1,555 3% Florence $1,680 11% Rock Hill $1,514 0% Spartanburg $1,392 -8% Myrtle Beach $1,428 -6% Anderson $1,328 -12% Lexington $1,451 -4% Greer $1,307 -14% Mount Pleasant $1,512 0% Aiken $1,284 -15% Sumter $1,633 8% Fort Mill $1,372 -9% Conway $1,664 10% Goose Creek $1,537 2% Easley $1,295 -14% Greenwood $1,310 -13% South Carolina car insurance rates by age
Car insurance rates also change by age, with younger, inexperienced drivers paying the most for auto insurance. In South Carolina, drivers in the 50- and 60-year-old age group pay the least amount per year for car insurance on average. Age Average annual premium in South Carolina $2,140 $5,331 $3,726 $1,920 $1,626 $1,542 $1,379 $1,350 Age 70 $1,479 *16 year old calculated on parent's policy disclosure South Carolina car insurance rates by driving record
No matter what you live in, rates are easier to find for drivers without tickets and accidents on their driving record. Drivers in South Carolina with a speeding ticket pay on average 19% annually more than drivers without a ticket. If you get into an at-fault accident, you will see on average a 42% increase in your auto insurance premiums. Getting a DUI in South Carolina will cause rates to go up by about 70%. Driving incident Average annual full coverage premium in South Carolina % increase of average annual premium Speeding ticket $1,806 19% Accident $2,156 42% DUI $2,566 70% How to save on car insurance in South Carolina
When shopping for in South Carolina, there are a few ways you may be able to save on coverage 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 too: Do an annual review: If you have not reviewed your car insurance policy within the last year, you could be leaving valuable savings on the table. Review your policy with your insurance agent to make sure you only have coverages you need and nothing you do not. Get multiple quotes: If you do not want to change coverage but want more affordable car insurance rates, shopping around for quotes and may be the way to go. Compare the same coverages with all companies to know which one offers the best rates for the coverage you need. Increase a deductible: The higher your deductible is, the lower the car insurance rate, 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 in the future. Know rates before you buy a car: One mistake people can make when purchasing a new car is focusing only on the monthly and not factoring in the cost of car insurance. When shopping for cars, get quotes to compare different 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 and paying in full, you may be able to reduce your car insurance rates to save more money. Frequently asked questions
Rates for car insurance vary by carrier and individual driving profiles. To find the cheapest car insurance options in South Carolina for your specific needs, shop with several companies to compare quotes with the same coverage.
On average, drivers in South Carolina pay $126 per month for full coverage car insurance. For drivers with state minimum liability coverage, the average driver pays $46.50 per month. These rates are based on a driver with a clean driving record and may be different from the rates you are offered by South Carolina auto insurance companies.
Yes, South Carolina requires drivers in the state to carry minimum liability car insurance coverage. Drivers must carry at least , which is $25,000 per person for bodily injury, $50,000 for all people for bodily injury and $25,000 for property damage liability. Auto insurance companies are required to offer the same limits for but you are not required to buy it.
No, South Carolina is an at-fault car insurance state, meaning fault is determined based on the circumstances of the accident. Whoever is deemed at fault is responsible to pay for the other person's injuries and property damage which is why drivers are encouraged by licensed insurance agents to purchase as much auto insurance coverage they can afford. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: 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. Written by Mandy Sleight Insurance Contributor Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.