Who Has the Cheapest Auto Insurance Quotes in South Carolina?

Find the Cheapest Auto Insurance Quotes in Your Area

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Across South Carolina, we found that average rates for our profiled drivers were $2,013 per year, but this varied depending on the auto insurance company. Drivers who get coverage from Auto-Owners could pay $1,583 per year, which is the cheapest option in our survey and a 21% savings compared to the statewide average.

Because of this cost difference, we recommend South Carolina residents always compare quotes to find their cheapest rates. Type in your ZIP code above for a list of auto insurance companies to begin shopping for their best rates.

Cheapest auto insurance in South Carolina

Which company had the best rates for car insurance in South Carolina? Our analysis looked at auto insurance quotes from top insurers and found that Auto-Owners, State Farm and GEICO offer the cheapest car insurance in the state for a full-coverage policy.

This graph illustrates which car insurance companies in South Carolina had the best rates for our sample drivers.

Find the Cheapest Auto Insurance Quotes in Your Area

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RankInsurerAverage annual premium
1Auto-Owners$1,583
2State Farm$1,594
3GEICO$1,699
4Nationwide$2,093
5SC Farm Bureau$2,122
6Progressive$2,129
7Travelers$2,669
8Allstate$2,905
NA*USAA$1,322
* USAA is excluded from rankings because it is only available to current and former military members and their families.

Cheapest for full coverage: Auto-Owners

For inexpensive full-coverage auto insurance, Auto-Owners is the best choice for South Carolina drivers. This company offered the cheapest quotes to our profile driver, with an average rate of $1,583. An Auto-Owners full-coverage policy is nearly half the cost of an identical policy with Allstate, the most expensive insurance company in the state.

  • Auto-Owners: $1,583 per year / $132 per month
  • State Farm: $1,594 per year / $133 per month
  • GEICO: $1,699 per year / $142 per month

Full-coverage auto insurance policies include both third-party coverage, which pays for damage you may cause in an accident, as well as first-party coverage, which pays to repair or replace your own car. These policies are 136% more expensive than ones with minimum coverage. However, if your car is worth more than a few thousand dollars, these policies can help you avoid costly repairs after an accident.

Cheapest for minimum liability: Auto-Owners

In South Carolina, the cheapest companies for minimum liability auto insurance are Auto-Owners, GEICO and State Farm. We found that rates with these three companies are 24% cheaper than the statewide average of $854 for minimum liability insurance.

  • Auto-Owners: $567 per year / $47 per month
  • GEICO: $687 per year / $57 per month
  • State Farm: $688 per year / $57 per month

Policies that just include the state minimum auto insurance coverages are called minimum liability coverage. These policies are the cheapest way to cover your vehicle, though they may not have adequate limits to protect your assets. Furthermore, you will be stuck paying for repairs to your own vehicle if you cause an accident or if your car is damaged by extreme weather.

Cheapest for drivers with an accident: State Farm

South Carolina drivers who have been in an accident will find the best rates with State Farm, according to our research. Choosing this company could save you 30% on auto insurance premiums, compared to the statewide average of $2,731 per year.

  • State Farm: $1,919 per year / $160 per month
  • Nationwide: $2,093 per year / $174 per month
  • Auto-Owners: $2,349 per year / $196 per month

Based on our survey, auto insurance rates typically increase by 36% after an at-fault accident. This amounts to an annual cost difference of $718 per year.

Best auto insurance companies in South Carolina

Based on survey information from current customers, Auto-Owners is the best insurance company in South Carolina when considering both overall claim satisfaction and customer service ratings. All of the respondents with Auto-Owners insurance reported being extremely satisfied with their insurer.

Overall rank*Group% of respondents overall extremely satisfied with most recent claim% of respondents who rated customer service as "excellent"
1Auto-Owners100%67%
2USAA78%62%
3Nationwide78%53%
4State Farm73%46%
5Allstate72%47%
6Progressive74%34%
7GEICO64%42%
8Travelers63%33%
NASC Farm BureauNANA
* Overall rank takes both overall satisfaction and customer service rankings into account.

Cheapest car insurance in South Carolina by city

The table below shows which companies had the best rates for auto insurance in South Carolina, broken out by city. Keep in mind that the average annual rates and rankings below are based on our profile driver for a full-coverage policy.

City

Cheapest auto insurersAnnual premium
CharlestonGEICO$1,672
Auto-Owners$1,686
State Farm$1,718
ColumbiaAuto-Owners$1,597
GEICO$1,635
State Farm$1,676
North CharlestonAuto-Owners$1,694
GEICO$1,833
State Farm$1,861
Mount PleasantGEICO$1,506
State Farm$1,569
Auto-Owners$1,616
Rock HillState Farm$1,510
Auto-Owners$1,524
GEICO$1,743
GreenvilleAuto-Owners$1,420
GEICO$1,537
State Farm$1,546
SummervilleAuto-Owners$1,713
State Farm$1,719
GEICO$1,811
Goose CreekAuto-Owners$1,734
State Farm$1,757
GEICO$1,758
Hilton Head IslandState Farm$1,449
Auto-Owners$1,517
GEICO$1,542
SpartanburgAuto-Owners$1,415
GEICO$1,481
State Farm$1,538
FlorenceState Farm$1,704
Auto-Owners$1,707
GEICO$1,715
Myrtle BeachState Farm$1,495
GEICO$1,578
Auto-Owners$1,616
GreerAuto-Owners$1,421
GEICO$1,433
State Farm$1,500
AikenGEICO$1,406
Auto-Owners$1,409
State Farm$1,451
AndersonAuto-Owners$1,462
State Farm$1,547
GEICO$1,586
HanahanState Farm$1,696
GEICO$1,704
Auto-Owners$1,721
MauldinAuto-Owners$1,437
State Farm$1,446
GEICO$1,537
ConwayAuto-Owners$1,615
State Farm$1,646
GEICO$1,766
GreenwoodGEICO$1,426
Auto-Owners$1,521
State Farm$1,599
BlufftonAuto-Owners$1,458
State Farm$1,469
GEICO$1,649
SimpsonvilleAuto-Owners$1,410
GEICO$1,425
State Farm$1,550
LexingtonAuto-Owners$1,484
State Farm$1,500
GEICO$1,720
EasleyState Farm$1,380
Auto-Owners$1,409
GEICO$1,596
Fort MillAuto-Owners$1,490
State Farm$1,494
GEICO$1,556
ClemsonGEICO$1,338
Auto-Owners$1,371
State Farm$1,381
North Myrtle BeachState Farm$1,474
GEICO$1,578
Auto-Owners$1,581
CayceGEICO$1,510
Auto-Owners$1,565
State Farm$1,578
BeaufortAuto-Owners$1,464
State Farm$1,467
GEICO$1,668
Port RoyalState Farm$1,469
Auto-Owners$1,492
GEICO$1,637
OrangeburgAuto-Owners$1,607
State Farm$1,661
Progressive$1,956
GaffneyAuto-Owners$1,502
State Farm$1,506
GEICO$1,607
Moncks CornerState Farm$1,618
Auto-Owners$1,701
GEICO$1,843
NewberryState Farm$1,407
GEICO$1,457
Auto-Owners$1,507
Fountain InnGEICO$1,425
State Farm$1,486
Auto-Owners$1,525
LaurensGEICO$1,426
Auto-Owners$1,500
State Farm$1,519
GeorgetownState Farm$1,522
Auto-Owners$1,660
GEICO$1,908
SenecaGEICO$1,338
Auto-Owners$1,350
State Farm$1,427
ClintonGEICO$1,457
Auto-Owners$1,486
State Farm$1,491
YorkState Farm$1,410
Auto-Owners$1,538
GEICO$1,556
BennettsvilleState Farm$1,663
Auto-Owners$1,671
GEICO$1,720
HartsvilleGEICO$1,654
Auto-Owners$1,716
State Farm$1,737
CamdenGEICO$1,674
State Farm$1,696
Auto-Owners$1,712
Lake CityState Farm$1,601
Auto-Owners$1,667
GEICO$1,797
HardeevilleState Farm$1,621
GEICO$1,649
Auto-Owners$1,688
MarionState Farm$1,642
Auto-Owners$1,675
GEICO$1,746
CloverAuto-Owners$1,509
State Farm$1,524
GEICO$1,556
DillonState Farm$1,636
Auto-Owners$1,691
GEICO$1,746
DarlingtonState Farm$1,611
GEICO$1,654
Auto-Owners$1,720
CherawState Farm$1,539
Auto-Owners$1,617
GEICO$1,720
WalterboroAuto-Owners$1,737
State Farm$1,860
GEICO$1,980

Charleston, SC

Cheap auto insurance in Charleston is attainable through quote shopping. Our sample drivers saw an average annual rate of $2,141, which means car insurance in this city is 6% more expensive compared to the state average.

We found that drivers who get coverage from the cheapest auto insurance companies in Charleston — GEICO, Auto-Owners and State Farm — could save 21% on their car insurance. Average rates at these companies were $1,692 per year for a full-coverage policy.

Columbia, SC

According to our research, a full-coverage auto insurance policy in Columbia costs $2,081 per year. This is roughly on par — only 3% greater — with the statewide average in South Carolina of $2,013.

Who has the best auto insurance rates in Columbia? Auto-Owners, GEICO and State Farm rank as the three least expensive insurers in the city. Rates from these three companies averaged $1,636 per year, which is 21% less than the city average.

North Charleston, SC

With an average rate of $2,193 per year, auto insurance costs in North Charleston are slightly more expensive than they are in Charleston — where the average annual cost of insurance is $2,141. Drivers in this city will likely be able to save on auto insurance costs if they get coverage from Auto-Owners, GEICO and State Farm. These companies offered rates 18% below the city average.

Mount Pleasant, SC

Our rate survey found that Mount Pleasant drivers can expect to pay $1,995 for auto insurance. This is just 1% less than the South Carolina average, a difference of only $18 per year. To find the cheapest rates, Mount Pleasant residents should get quotes from GEICO, State Farm and Auto-Owners. These companies provided our sample driver average rates 22% below the citywide mean.

Rock Hill, SC

On average, our sample driver saw rates of $2,024 per year for a full-coverage auto insurance policy — which is just 1% greater than the state average. When it comes to low-cost car insurance in Rock Hill, there are still opportunities to whittle down annual premiums. For example, the best auto insurance quotes for our sample drivers were $1,592 a year from three companies: State Farm, Auto-Owners and GEICO.

Average cost of insurance in South Carolina by city

The cost will fluctuate depending on where prospective policyholders live and drive. Here are the annual rates for the 50 largest cities included in our analysis, from the cheapest to the most expensive locations, using our sample motorist as a benchmark.

RankCityAverage annual car insurance cost
1Seneca$1,700
2Clemson$1,765
3Simpsonville$1,779
4Easley$1,784
5Fountain Inn$1,801
6Laurens$1,802
7Aiken$1,808
8Greenwood$1,814
9Clinton$1,827
10Mauldin$1,833
11Greer$1,834
12Anderson$1,849
13Spartanburg$1,857
14Newberry$1,862
15York$1,871
16Hilton Head Island$1,871
17Fort Mill$1,897
18Port Royal$1,903
19Greenville$1,903
20Gaffney$1,905
21Beaufort$1,912
22Bluffton$1,912
23North Myrtle Beach$1,929
24Cheraw$1,943
25Lexington$1,948
26Clover$1,958
27Mount Pleasant$1,995
28Bennettsville$2,011
29Cayce$2,011
30Rock Hill$2,024
31Myrtle Beach$2,042
32Hardeeville$2,045
33Orangeburg$2,076
34Columbia$2,081
35Camden$2,083
36Marion$2,086
37Hartsville$2,095
38Darlington$2,106
39Conway$2,109
40Hanahan$2,124
41Lake City$2,128
42Dillon$2,136
43Florence$2,137
44Charleston$2,141
45Goose Creek$2,142
46Georgetown$2,147
47Summerville$2,190
48North Charleston$2,193
49Moncks Corner$2,197
50Walterboro$2,222

South Carolina auto insurance coverage requirements

Drivers in South Carolina are legally required to carry the state's mandatory minimum auto insurance limits. Here are the mandatory requirements for the state:

  • $25,000 per person / $50,000 per accident for bodily injury liability
  • $25,000 per accident for property damage
  • $25,000 per person / $50,000 per accident for uninsured motorists

How we conducted the survey

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver, who drives 12,000 miles a year.

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.