South Carolina Drivers Have the Most Expensive Car Insurance Rates in the Region

This study explores the cost of auto insurance in South Carolina and how it compares to other states in the region. Our analysis found the statewide average premium is $1,539 for our sample driver. The most expensive city is Dillon which is 13% more expensive than the state average. The least expensive city is Seneca, which is 14% cheaper than the state average.

Within the four state region consisting of North and South Carolina, Georgia and Tennessee, South Carolina is the most expensive for auto insurance. The South Carolina average is 88% more expensive than neighboring North Carolina.  

Table of Contents 

Least Expensive Cities

The least expensive cities in South Carolina come from the western part of the state--close to the borders of Georgia and Tennessee. They range from small towns of 3,000 people to small cities of 30,000. Seneca was the least expensive being 14% under the state average. Aiken was the 5th least expensive being 11% under the state average. 

Graph showing how the top five least expensive cities in South Carolina for auto insurance stack up

Most Expensive Cities 

The most expensive cities in this study can all be found in the middle of South Carolina. With the exception of Florence, they are all small towns of less than 10,000 people. The most expensive city, Dillon, has average costs that were 13% greater than the state average for our sample driver. 

Graph showing how the top five most expensive cities in South Carolina for auto insurance stack up

South Carolina: Most Expensive in the Region

We found South Carolina to be the most expensive state of the four-state region for our profiled motorist to reside in. Neighboring North Carolina has the starkest difference, being about 88% less expensive. The state closest in price is Georgia, which is about 12% less expensive than South Carolina. Of the 315 cities in the four state region, 20 of the 25 most expensive are located in South Carolina. In fact, the cheapest city in South Carolina is still 34% more expensive than the most expensive in North Carolina. 

Graph compares auto insurance rates in the neighboring region of south carolina

Columbia: The 2nd Most Expensive Major City 

The four major cities include Charlotte, Columbia, Nashville and Atlanta. Of those four, Atlanta is the most expensive, while Charlotte is the least. Columbia is overall the 19th most expensive city in the region. 

Graph shows how the four major cities in the region compare for car insurance

How Cost Differs by Place in South Carolina 

In this study we analyzed 45 cities and towns across South Carolina where we found a statewide average of $1,539 per year -- based on our sample driver. The least expensive cities came mostly from western South Carolina, while the most expensive came from the center of the state. 

South Carolina Rank Regional Rank (/315)City Premium Percent Difference From Average 
1 211 Seneca $1,322 -14%
2 224 Greenwood $1,339 -13%
3 227 Walhalla $1,345 -13%
4 240 Simpsonville $1,358 -12%
5 244 Aiken $1,364 -11%
6 249 Anderson $1,384 -10%
7 250 Pickens $1,385 -10%
8 259 Greenville $1,404 -9%
9 263 Greer $1,409 -8%
10 264 Williamston $1,418 -8%
11 266 Laurens $1,420 -8%
12 270 Hilton Head Island $1,444 -6%
13 271 York $1,448 -6%
14 273 Clinton $1,458 -5%
15 276 Rock Hill $1,475 -4%
16 277 Fort Mill $1,480 -4%
17 278 Spartanburg $1,481 -4%
18 279 Bluffton $1,482 -4%
19 280 Clover $1,496 -3%
20 281 Beaufort $1,504 -2%
21 284 Edgefield $1,516 -1%
22 286 Newberry $1,536 0%
23 287 Saluda $1,537 0%
  288 Average  $1,539 0%
24 289 Gaffney $1,555 1%
25 290 Lexington $1,561 1%
26 291 Cheraw $1,569 2%
27 293 Camden $1,586 3%
28 294 Union $1,589 3%
29 297 Columbia $1,601 4%
30 298 Myrtle Beach $1,605 4%
31 299 Chester $1,607 4%
32 301 Orangeburg $1,625 6%
33 302 Barnwell $1,625 6%
34 303 Pageland $1,633 6%
35 305 Charleston $1,641 7%
36 306 Lancaster $1,649 7%
37 307 Bennettsville $1,666 8%
38 308 Sumter $1,683 9%
39 309 Manning $1,696 10%
40 310 Georgetown $1,708 11%
41 311 Hartsville $1,712 11%
42 312 Kingstree $1,719 12%
43 313 Winnsboro $1,721 12%
44 314 Florence $1,733 13%
45 315 Dillon $1,745 13%

How We Conducted This Study

We collected quotes from a variety of insurance companies across 45 towns and cities in South Carolina. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in South Carolina. For the neighboring states we conducted the same procedure for the same type of driver. The amount of coverage we opted for gave our driver bit more than what is required of state minimums. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeSouth
Carolina Minimum
Study (including Neighbor states) Limits 
Bodily Liability  $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident
Property Damage  $25,000 per accident  $50,000 per accident 
Uninsured/Underinsured Motorist BI $25,000 per person / $50,000 per accident   $50,000 per person/ $100,000 per accident 
Uninsured/Underinsured Motorist Property 
$25,000 per accident 
$50,000 per accident 
Comprehensive & Collision None  $500 Deductible 

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