The Best Cheap Motorcycle Insurance in South Carolina
Progressive offers the cheapest motorcycle insurance in South Carolina, at an average rate of $17 per month.
Find Cheap Motorcycle Insurance Quotes in South Carolina
Best cheap motorcycle insurance in SC
How we chose the top companies
Cheapest motorcycle insurance companies in South Carolina
Progressive is the cheapest motorcycle insurance company in South Carolina.
At just $17 per month, full coverage motorcycle insurance from Progressive costs less than half the state average.
The most expensive company is Nationwide, where coverage costs an average of $100 per month.
Compare Motorcycle Insurance Quotes in South Carolina
Motorcycle insurance costs an average of $42 per month in South Carolina. That's 30% more than the national average.
Best cheap motorcycle insurance in SC
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $17 | |
| Harley-Davidson | $30 | |
| Allstate | $32 | |
| Dairyland | $35 | |
| Geico | $37 | |
| Nationwide | $100 | |
Best motorcycle insurance for most people: Progressive
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Editor's rating
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Cost: $17/month
Overview
Pros/cons
Progressive is the best choice in South Carolina based on its affordable rates and great policy features.
Overview
Progressive is the best choice in South Carolina based on its affordable rates and great policy features.
Pros/cons
Pros:
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Cheapest in SC
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Basic policy includes extra coverage
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Wide range of coverage add-ons
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Few customer complaints
Cons:
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No rental reimbursement
Progressive is the best choice in South Carolina based on its affordable rates and great policy features.
Pros:
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Cheapest in SC
-
Basic policy includes extra coverage
-
Wide range of coverage add-ons
-
Few customer complaints
Cons:
-
No rental reimbursement
Progressive is the best motorcycle insurance company for most people in South Carolina. Its combination of affordability and policy features is unmatched by other large companies in the state. For example, full coverage motorcycle insurance from Progressive comes with replacement cost coverage and $3,000 of custom parts protection.
Additionally, you can increase your protection by adding:
- New motorcycle replacement
- Enhanced injury protection
- Roadside assistance
The average cost of motorcycle insurance from Progressive is $17 per month, which is 60% cheaper than the average rate in South Carolina.
You can also save money with Progressive through discounts, which are easy for many riders to qualify for.
For instance, you could lower your motorcycle rates by getting a quote ahead of time, scheduling automatic payments or simply having a motorcycle endorsement on your license.
One key drawback is that Progressive doesn't offer rental reimbursement. So if your bike is your main vehicle, you'll have to pay for a rental car while it's in the shop after an accident.
Best for daily riders: Harley-Davidson
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Editor's rating
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Cost: $30/month
Overview
Pros/cons
Harley-Davidson is a top option for South Carolina riders who use their bike as their main vehicle.
Overview
Harley-Davidson is a top option for South Carolina riders who use their bike as their main vehicle.
Pros/cons
Pros:
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Option to add roadside assistance and rental reimbursement
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Lower-than-average rates
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Many discounts available
Cons:
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Can't bundle with home or auto
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Unreliable customer service
Harley-Davidson is a top option for South Carolina riders who use their bike as their main vehicle.
Pros:
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Option to add roadside assistance and rental reimbursement
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Lower-than-average rates
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Many discounts available
Cons:
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Can't bundle with home or car insurance
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Unreliable customer service
Harley-Davidson is the best choice for daily riders because it offers roadside assistance and rental reimbursement.
These coverage add-ons are important if your motorcycle is your main vehicle because they can help you get back on the road and minimize disruption if something happens to your bike.
- Roadside assistance includes towing at any time of day, as well as roadside help for flat tires, battery issues, locksmith services and gas or oil delivery.
- Rental reimbursement pays for a rental or other types of transportation while your bike is in the shop after a crash.
Harley's average rate of $30 per month is 29% less expensive than the state average but still $13 more expensive per month than Progressive.
The biggest downside of Harley-Davidson Insurance is that you can't pair it with coverage for a car or home. The company only covers bikes, so you can't get the benefits of bundling coverage.
In addition, Harley-Davidson gets more complaints than expected for a company its size. That means it may take longer to fix your motorcycle after an accident, or you could end up paying more for repairs.
Best motorcycle insurance for riders with military ties: USAA
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Editor's rating
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Cost: $16/month
Overview
Pros/cons
USAA has the best motorcycle insurance for the thousands of military service members who call South Carolina home.
Overview
USAA has the best motorcycle insurance for the thousands of military service members who call South Carolina home.
Pros/cons
Pros:
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Cheapest quotes for military members
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Lots of coverage add-ons
Cons:
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Available only to riders with connections to the military
USAA has the best motorcycle insurance for the thousands of military service members who call South Carolina home.
Pros:
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Cheapest quotes for military members
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Lots of coverage add-ons
Cons:
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Available only to riders with military ties
USAA is partnered with Progressive to offer great motorcycle insurance to military members, veterans and their families.
USAA members get a 5% discount on motorcycle insurance from Progressive. That lowers the average cost of a Progressive policy to $16 per month for riders with military ties, which is the cheapest rate in South Carolina.
In addition, USAA members get all the extra perks that come with Progressive motorcycle insurance. For example, full coverage insurance from Progressive automatically includes coverage for $3,000 worth of custom parts and accessories and original manufacturer parts coverage. Most companies charge extra to add these coverages to your policy.
South Carolina motorcycle insurance: Costs by city
Aiken, Gaffney, North Augusta and Rock Hill have the cheapest motorcycle coverage among South Carolina's larger cities.
Full coverage motorcycle insurance in these cities costs an average of $38 per month.
The state capital, Columbia, and its suburb, Cayce, have the highest rates, at $46 per month.
Average cost of motorcycle insurance in South Carolina by city
City | Monthly cost | % from average |
|---|---|---|
| Aiken | $38 | -9% |
| Anderson | $44 | 4% |
| Beaufort | $39 | -6% |
| Bluffton | $39 | -8% |
| Cayce | $46 | 9% |
South Carolina doesn't have too much range in rates, with only $8 per month separating the cheapest and most expensive cities.
More traffic and higher crime rates typically lead to higher motorcycle insurance rates. Insurance companies believe these factors make it more likely for riders to make a claim in the future.
South Carolina motorcycle insurance requirements
In South Carolina, motorcycle owners must get the same amount of minimum coverage as other drivers. The coverage is often written as 25/50/25.
South Carolina also requires matching uninsured motorist insurance limits. This coverage pays for your injuries or damage to your bike caused by an uninsured driver.
- Bodily injury liability: $25,000 per individual and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per individual and $50,000 per accident
- Uninsured motorist property damage: $25,000 per accident
How do you get a motorcycle license in South Carolina?
Getting a motorcycle license, or Class M endorsement, is straightforward in South Carolina. If you don't already have a regular driver's license, you must have a motorcycle learner's permit for at least 180 days before you can get a motorcycle license.
If you already have a driver’s license, you can skip the process of getting a motorcycle learner's permit. Instead, you’ll need to take a motorcycle skills test at a South Carolina DMV branch. You can take the test up to three times. After too many failed attempts, you must enroll in a motorcycle safety course before you can get a license.
Frequently asked questions
How much is motorcycle insurance in SC?
Motorcycle insurance in South Carolina costs an average of $42 per month. But you can find cheaper rates at Progressive or Harley-Davidson.
Who has the lowest price on motorcycle insurance in SC?
Progressive offers the lowest price for motorcycle insurance in SC, at just $17 per month. That's 60% less than the state average.
Do you need motorcycle insurance in SC?
You are required to have motorcycle insurance in SC. You'll need at least $25,000 of bodily injury liability per person and $50,000 per accident, $25,000 of property damage liability per accident and the same amounts for uninsured motorist coverage.
How much is Columbia motorcycle insurance?
The average cost of motorcycle insurance in Columbia, SC, is $46 per month. That's 11% higher than the South Carolina state average.
Methodology
ValuePenguin collected more than 200 motorcycle insurance quotes from across the largest cities in South Carolina to find the average rates in the state. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Average rates are for full coverage, which includes comprehensive and collision coverage and more liability coverage than the state minimum.
- Bodily injury liability coverage: $50,000 per person and $100,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured motorist property damage: $25,000 per accident
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
- All other coverages: Not included
ValuePenguin editor's ratings use a proprietary formula that includes customer service scores, coverage options, cost and the overall value a company provides its customers.
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.