Who Has The Cheapest Motorcycle Insurance Quotes In South Carolina?

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The state of South Carolina is known for its beaches and rich colonial history. More than 4.8 million people live there and many vacation or live there during the cooler months of the year. It’s also a fun for motorcycle riding so we gathered motorcycle insurance quotes from four major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 48.2% higher than the cost of the cheapest in South Carolina.

Cheapest Motorcycle Insurance In South Carolina

In South Carolina, we found Nationwide barely edged out GEICO for having the most affordable motorcycle insurance rates in the state for a sample policy and rider. The Ohio-based insurer had an average rate of $420.

In South Carolina, ValuePenguin found Nationwide had the best motorcycle insurance rates for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Second only to Nationwide, GEICO had some of the best motorcycle insurance quotes in South Carolina with an average rate of $426. Progressive's quotes for the sample policy and rider were slightly below the South Carolina average, at $628. Motorcycle insurance quotes from Dairyland were much higher than the other companies and the state average. The carrier's average rate was $1,082 which was more than 2.5x the cost of Nationwide's.

Best Motorcycle Insurance Rates In South Carolina: By City

The analysis of motorcycle insurance quotes for our sample policy and rider across South Carolina showed results that differed from other states. Typically, a state's largest cities have the most expensive motorcycle insurance quotes, but that was not the case in South Carolina. Columbia, the state's capital and largest city, had motorcycle insurance rates higher than the state average but the four other largest cities quoted premiums lower than the South Carolina average.

RankCityAverage Annual RateDifference vs. State Average
1 Columbia $696 9.0%
2 Charleston 626 -2.1%
3 North Charleston 620 -3.0%
4 Mount Pleasant 626 -2.1%
5 Rock Hill 617 -3.5%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Columbia, SC

Columbia is the capital and the largest city in South Carolina, with more than 133,000 residents. The metropolitan area of Columbia has a population of more than 800,000 and is at the heart of the Midlands region of the state. Motorcycle insurance rates in Columbia were 9% higher than the state average.

Charleston, SC

The port city of Charleston was founded in 1670 and one of the most recognizable in the U.S. for its cobblestone streets, pastel-colored homes and colonial history. Some of the buildings go back as far as the late 17th century. Motorcycle insurance rates in Charleston were 2.1% lower than the state average.

North Charleston, SC

Just above Charleston is North Charleston, a city of an estimated 108,000 residents and one of the busiest industrial regions of South Carolina. It's also a major retail hub in the state. The city's crime rate was notoriously high but it has decreased in recent years. Motorcycle insurance rates in North Charleston were 3% lower than the state average.

Mount Pleasant, SC

Mount Pleasant's population has been fast-growing in the 21st century. It's a city with a rich historical history and also the home to the Charleston International Airport. Motorcycle insurance rates in Mount Pleasant were 2.1% lower than the state average.

Rock Hill, SC

The city of Rock Hill is the fifth-largest in the state of South Carolina with more than 66,000 residents. It was colonized in the early 19th century and played an important role during the American Civil War as a headquarters and supply point for the Confederate army. Motorcycle insurance rates in Rock Hill were 3.5% lower than the state average.

Most Expensive Motorcycle Insurance In South Carolina

The five places with the most expensive motorcycle insurance policies in South Carolina are all either large cities, or suburbs of large cities in the state. The place with the most expensive rates was Mauldin, where quotes for our sample policy were 17.9% higher than the state average. 

RankCityAverage Annual Rate% Difference vs State Average
1 Mauldin $753 17.9%
2 Orangeburg 738 15.5%
3 Columbia 696 9.0%
4 Lexington 696 9.0%
5 Cayce 696 9.0%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Mauldin, SC

Mauldin took the top spot with the most expensive motorcycle insurance rates in South Carolina. Mauldin is a city of about 25,000 residents and a suburb of Greenville, South Carolina. Kevin Garnett, an NBA basketball player who also played for the U.S. in the Olympics, played high school basketball in Mauldin. Annual rates in Mauldin were 17.9% higher than the South Carolina average based on our sample driver.

Orangeburg, SC

Known as “The Garden City,” Orangeburg is home to Claflin University and South Carolina State University and more than 13,000 residents. It’s located in almost the middle of the state and is known for its beautiful downtown. The city hosts the annual Great American Coon Hunt, where hunters and their dogs from all over the Southeastern U.S. compete. Motorcycle insurance premiums in Orangeburg are some of the most expensive in the state. Quotes for our sample policy were 15.5% higher than the state average.

Columbia, SC

Columbia is the capital and the largest city in South Carolina, with more than 133,000 residents. The metropolitan area of Columbia has a population of more than 800,000. Downtown Columbia has undergone a revitalization and the arts have always had a strong presence in the city. Motorcycle insurance rates in Columbia were 9% higher than the state average.

Lexington, SC

Just south of Lake Murray and west of Columbia is the town of Lexington. It has a population of about 20,000 residents and, because of its elevation, is known for its views of the state’s capital. Motorcycle insurance in Lexington were some of the least affordable in South Carolina. Quotes for our sample policy were also 9% higher than the state average.

Cayce, SC

Cayce was home to Native Americans more than 12,000 years ago, until European settlers arrived in the 16th century. Today, 15,000 residents call the city home, and it is one of numerous Columbia suburbs. It’s adjacent to the Congaree River and the location of many housing developments. Motorcycle insurance rates in Cayce were 9% higher than the South Carolina average.

Average Motorcycle Insurance Rates In South Carolina: By City

This comparative study of motorcycle insurance premiums in South Carolina was done by gathering and analyzing quotes from five major carriers across 31 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 48.2% more than the cheapest.

ValuePenguin found the average motorcycle insurance premium quoted in South Carolina for a sample policy and rider was $639.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 31 municipalities and census-designated places in the state of South Carolina. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gathering quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
2 Aiken $583 -8.7%
19 Anderson 638 -0.2%
6 Beaufort 590 -7.7%
5 Bluffton 590 -7.7%
29 Cayce 696 9.0%
14 Charleston 626 -2.1%
21 Clemson 638 -0.2%
27 Columbia 696 9.0%
25 Conway 663 3.8%
20 Easley 638 -0.2%
17 Florence 636 -0.5%
10 Gaffney 614 -3.9%
4 Goose Creek 590 -7.7%
18 Greenville 638 -0.2%
9 Greenwood 614 -3.9%
23 Greer 641 0.3%
7 Hanahan 595 -6.9%
3 Hilton Head Island 590 -7.7%
28 Lexington 696 9.0%
31 Mauldin 753 17.9%
15 Mount Pleasant 626 -2.1%
24 Myrtle Beach 648 1.4%
1 North Augusta 508 -20.5%
12 North Charleston 620 -3.0%
30 Orangeburg 738 15.5%
11 Rock Hill 617 -3.5%
22 Simpsonville 640 0.2%
8 Spartanburg 614 -3.9%
16 Summerville 628 -1.7%
13 Sumter 620 -2.9%
26 West Columbia 683 6.9%
South Carolina Average 639 0.0%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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