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
- Most Expensive Cities
- How Does South Carolina Compare to Neighboring States
- List of All Cities
- How We Conducted This Study
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.
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.
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.
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.
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|
|12||270||Hilton Head Island||$1,444||-6%|
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 Type||South |
|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|