Cheapest Auto Insurance Quotes in South Carolina (2022)

Cheapest Auto Insurance Quotes in South Carolina (2022)

Geico has the best cheap car insurance in South Carolina, at $460 per year, or $38 per month, for minimum liability coverage.

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Your age, location, driving history and the level of coverage you choose all influence your auto insurance rates. In South Carolina, we found that average rates fluctuate by more than $650 for a minimum-coverage policy and more than $1,150 for a full-coverage policy. To get the best rates, you should always compare quotes from multiple companies.

Cheapest car insurance in South Carolina: Geico

Geico has the most affordable rates for minimum-coverage auto insurance in South Carolina. At $460 per year, Geico's annual rate is 39% cheaper than the state average.

The average cost of minimum liability car insurance in South Carolina is $752 per year, or $63 per month.

Cheapest car insurance companies in South Carolina

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Company
Annual rate
Monthly rate
Geico$460$38
State Farm$578$48
Auto-Owners$582$49
Farm Bureau$782$65
Allstate$860$72
Nationwide$895$75
Travelers$1,017$85
Progressive$1,127$94
USAA$463$39

USAA is only available to current and former military members and their families.

Minimum-coverage car insurance policies only include the amount of coverage required by your state. These policies are the cheapest way to insure your vehicle, though the liability limits may not be high enough to fully protect your assets.

States do not require comprehensive or collision coverage. Comprehensive coverage pays for damage resulting from incidents beyond your control, such as hail or theft, while collision coverage pays for damage to your own car when you're in control of the vehicle.

Therefore, drivers who choose a minimum-coverage policy have to pay for damage to their own vehicle. For this reason, we recommend purchasing a full-coverage auto insurance policy rather than a minimum-coverage policy.

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Cheapest full-coverage car insurance in South Carolina: Geico

Geico is the best choice for cheap full-coverage auto insurance in South Carolina. At $1,186 a year, a Geico full-coverage policy is only a little more than half the cost of a policy with Progressive, the state’s most expensive insurance company.

Company
Annual rate
Monthly rate
Geico$1,186$99
State Farm$1,343$112
Auto-Owners$1,590$133
Farm Bureau$1,795$150
Travelers$1,812$151
Nationwide$1,893$158
Allstate$2,050$171
Progressive$2,339$195
USAA$1,168$97

USAA is only available to current and former military members and their families.

Full-coverage auto insurance in South Carolina costs $1,686 per year, on average — $934 more than a minimum-coverage policy. Full-coverage policies include comprehensive and collision coverages in addition to liability coverage.

Cheapest car insurance for drivers with prior incidents

Any driver with a history of traffic violations or accidents knows that their auto insurance rates can increase significantly as a result. South Carolina drivers with a speeding ticket, accident or DUI on their driving record often have a difficult time finding cheap insurance rates.

To help South Carolina drivers select the most affordable coverage, we found the insurers that offer the best rates for various traffic violations and other scenarios.

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Cheapest car insurance after a speeding ticket: Geico

Geico offers the best rates for drivers who have received a speeding ticket. Our quotes from Geico did not increase after a speeding ticket, which makes its rates significantly more affordable than its competitors'. At $99 a month, full-coverage insurance from Geico is 40% cheaper than the state average.

Company
Annual rate
Monthly rate
Geico$1,186$99
State Farm$1,449$121
Auto-Owners$1,590$133
Farm Bureau$2,105$175
Travelers$2,209$184
Nationwide$2,262$189
Allstate$2,687$224
Progressive$2,901$242
USAA$1,443$120

USAA is only available to current and former military members and their families.

A speeding ticket usually increases your auto insurance rates, but it won't increase them as much as an at-fault accident. Insurance rates in South Carolina increase by 18% after a speeding ticket, compared to 44% after an at-fault accident.

Cheapest car insurance after an accident: State Farm

South Carolina drivers who have been in an accident will find the best rates with State Farm. The company could save you 34% on full-coverage auto insurance, compared to the statewide average of $2,430 per year.

Company
Annual rate
Monthly rate
State Farm$1,609$134
Geico$1,732$144
Farm Bureau$2,276$190
Travelers$2,303$192
Auto-Owners$2,315$193
Nationwide$2,786$232
Allstate$3,499$292
Progressive$3,680$307
USAA$1,671$139

USAA is only available to current and former military members and their families.

After an accident, your rates may increase by $266 to $1,449 a year, depending on your insurer. Cost differences like these are why we highly suggest comparing quotes from multiple companies.

Cheapest car insurance after a DUI: Farm Bureau

State Farm offers the most affordable rates for drivers with a DUI, at $2,105 a year for full coverage, which is 25% less than the state average. Travelers comes in second at $2,440 per year.

Being caught driving under the influence (DUI) causes car insurance rates to increase more than any other offense. We found that rates in South Carolina increase by 67% after a DUI.

Company
Annual rate
Monthly rate
Farm Bureau$2,105$175
Travelers$2,440$203
Progressive$2,839$237
Allstate$2,848$237
Geico$2,887$241
State Farm$3,321$277
Auto-Owners$3,330$278
Nationwide$3,478$290
USAA$2,155$180

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: Geico

Geico offers the best rates for South Carolina drivers with a low credit score. The state average is $2,785 a year, but the average rate from Geico is 21% cheaper, at $2,204 per year.

Company
Annual rate
Monthly rate
Geico$2,204$184
State Farm$2,413$201
Nationwide$2,561$213
Allstate$2,797$233
Travelers$2,827$236
Farm Bureau$2,877$240
Auto-Owners$3,417$285
Progressive$3,483$290
USAA$2,489$207

USAA is only available to current and former military members and their families.

Your credit score might not have anything to do with your ability to drive a car, but it can impact your car insurance rates. We found that auto insurance for South Carolina drivers with poor credit is 65% more expensive than for drivers with average credit.

Cheapest car insurance for married drivers: Geico

Geico offers married drivers the best rate we found in South Carolina, at $1,137 per year — 26% below the state average.

Statistically, married drivers cause fewer accidents than single drivers. In turn, they receive lower rates from many insurers. In South Carolina, average rates for a full-coverage insurance policy are 9% cheaper for married drivers than for unmarried drivers.

Company
Annual rate
Monthly rate
Geico$1,137$95
State Farm$1,343$112
Progressive$1,561$130
Farm Bureau$1,587$132
Auto-Owners$1,590$133
Nationwide$1,801$150
Travelers$1,812$151
Allstate$1,921$160
USAA$1,016$85

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers in South Carolina: Geico

Young drivers in South Carolina can find the most affordable rates at Geico — $1,477 a year for minimum coverage and $3,236 a year for full coverage.

Young drivers pay much more for car insurance than older adults, especially if they aren't insured through their parents' policy. An 18-year-old driver in South Carolina can expect to pay over three times what a 30-year-old driver pays for minimum coverage car insurance.

Company
Liability only
Full coverage
Geico$1,477$3,236
Farm Bureau$1,829$3,291
State Farm$1,906$3,831
Allstate$2,290$5,839
Auto-Owners$2,353$4,771
Travelers$2,470$4,423
Nationwide$3,229$6,809
Progressive$5,014$9,871
USAA$1,952$4,473

USAA is only available to current and former military members and their families.

To save on auto insurance

  1. Consider a combined policy with your parents. A teen driver typically pays significantly less when they are insured under their parents' policy than a young person who purchases their own insurance.
  2. Ask about discounts. Many insurers offer a wide range of discounts. Some of the most common savings for young drivers include discounts for installing anti-theft devices, receiving good grades in school and being accident-free for a certain period of time.
  3. Compare rates from multiple companies. There are dozens of companies available in South Carolina that offer great prices. Be sure to contact both large and small companies to ensure you receive the best rate for your needs.

Cheapest car insurance for young drivers after a ticket: Geico

Young drivers in South Carolina can expect their auto insurance rates to go up by about 13% after a speeding ticket. Geico offers the cheapest minimum-coverage rate for these drivers, at $1,477 a year, or $123 a month — 48% less than average.

Company
Annual rate
Monthly rate
Geico$1,477$123
State Farm$2,114$176
Farm Bureau$2,296$191
Auto-Owners$2,744$229
Travelers$3,099$258
Allstate$3,165$264
Nationwide$3,430$286
Progressive$4,880$407
USAA$2,217$185

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers after an accident: Geico

Geico not only offers the best rates for young drivers after a speeding ticket, but it also has the cheapest rates for drivers after an at-fault accident, at $1,651 per year for a minimum-coverage policy.

Company
Annual rate
Monthly rate
Geico$1,651$138
State Farm$2,426$202
Farm Bureau$2,445$204
Travelers$3,269$272
Nationwide$3,520$293
Auto-Owners$3,750$313
Allstate$4,471$373
Progressive$5,341$445
USAA$2,263$189

*USAA is only available to current and former military members and their families.

Being responsible for an accident as a young driver can make already expensive insurance premiums nearly unaffordable. On average, an 18-year-old driver in South Carolina can expect to pay $3,237 a year for minimum-coverage insurance after an at-fault accident — 29% more than a driver with a clean record.

Best car insurance companies in South Carolina

When you're shopping for car insurance, choosing a dependable insurer is as important as finding the lowest rate. Among South Carolina insurers, USAA has the best customer service score and financial strength rating. However, USAA is only available to current and former members of the military and their families.

State Farm and Auto-Owners also maintain the highest rank for financial strength, exemplary customer service scores and top marks from our editors, making both insurers excellent options.

Company
Editor's rating
JD Power
AM Best
State Farm
859A++
Auto-Owners
845A++
Farm Bureau
NRA+
Geico
843A++
Nationwide
831A+
Travelers
831A++
Allstate
838A+
Progressive
828A+
USAA
890A++

All nine of the insurers featured in our study received a "Superior" (A+ or A++) rating from A.M. Best. These high financial strength ratings indicate the ability to consistently pay insurance claims, even in difficult economic conditions.

Average car insurance rates in South Carolina by city

The cheapest car insurance in the state can be found in Salem, where rates are 18% lower than average. On the other hand, Crocketville drivers pay the highest rates in the state — 24% more than average.

The cost of car insurance fluctuates depending on where you live. Cities that are densely populated or have higher crime rates tend to have some of the most expensive rates. Full-coverage auto insurance in South Carolina can fluctuate by up to $701, depending on where you live.

City
Average annual rate
Percent from average
Abbeville$1,539-9%
Adams Run$1,92314%
Aiken$1,489-12%
Alcolu$1,7624%
Allendale$2,04321%
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South Carolina auto insurance coverage requirements

Minimum-coverage insurance in South Carolina includes bodily injury liability coverage, which pays for the other driver's injuries, and property damage liability coverage, which pays for the other driver's repairs. Drivers are also required to have uninsured motorist coverage, which pays for your own property damage or injuries if you are in an accident with an uninsured driver, or are the victim of a hit-and-run.

The following are the minimum insurance limits required in South Carolina:

Coverage
Limit
Bodily injury (BI)$25,000 per person/$50,000 per accident
Property damage (PD)$25,000 per accident
Uninsured motorist bodily injury$25,000 per person/$50,000 per accident
Uninsured motorist property damage$25,000 per accident

Recap of the cheapest car insurance in South Carolina

  • Minimum coverage: Geico
  • Full coverage: Geico
  • After a speeding ticket: Geico
  • After an at-fault accident: State Farm
  • After a DUI: Farm Bureau
  • Poor credit history: Geico
  • Married drivers: Geico
  • Young drivers: Geico
  • Young drivers after a ticket: Geico
  • Young drivers after an accident: Geico

Frequently asked questions

What is the cheapest auto insurance company in South Carolina?

Geico has the cheapest car insurance rates in South Carolina, at $460 per year for minimum coverage and $1,186 per year for full coverage. Your rate may vary based on a variety of factors, including your driving history and where you live.

How much is car insurance in South Carolina?

The average price of car insurance in South Carolina is $752 per year, or $63 per month for a minimum-coverage policy. The average cost for a full-coverage policy is and $1,686 per year, or $141 per month.

How much does car insurance cost in Columbia, SC?

The average price for car insurance in Columbia is $1,763 per year for full coverage, which is about 5% higher than the state average. That's cheaper than in Charleston, where the average price is $1,826, but more expensive than Greenville's average of $1,640.

Methodology

We collected thousands of quotes from ZIP codes across South Carolina for nine of the state's largest insurers using a sample driver with the following profile:

  • 30-year-old male
  • Drives a 2015 Honda Civic EX
  • Average credit

All quotes are based on a full-coverage policy and clean driving record unless otherwise noted. Full-coverage auto insurance quotes include the following limits:

Coverage
Limit
Bodily injury liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we referenced the minimum required limits in South Carolina, cited above.

Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.