South Carolina Car Insurance Calculator
Calculate your auto insurance cost in South Carolina. Compare with state averages and find savings.
$1,789
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$149
Full Coverage
$2,334
Min Coverage
$612
Uninsured Rate
10.9%
South Carolina Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in South Carolina
Coastal stormsTourism trafficGrowing population
Major Metro Areas in South Carolina
CharlestonColumbiaNorth CharlestonMount PleasantGreenville
FAQ
South Carolina Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in South Carolina
The average annual car insurance premium in South Carolina is $1,789, or about $149 per month. Full coverage averages $2,334 annually, while minimum coverage averages $612. Your actual rate depends on your age, driving record, vehicle, and coverage level.
South Carolina requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting South Carolina car insurance rates include: Coastal storms, Tourism traffic, Growing population. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 10.9% of drivers in South Carolina are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your South Carolina car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in South Carolina include: State Farm, GEICO, Progressive, Allstate, SC Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
SC Insurance Costs
Average premiums in South Carolina:
- Annual Average$1,789
- Monthly Average$149
- Full Coverage$2,334
- Minimum Coverage$612
SC Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate10.9%
Top SC Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •SC Farm Bureau