South Carolina Car Insurance Rates

Average auto insurance rates in South Carolina for 2018 are $1,244 a year for full coverage. Comprehensive insurance, collision, and liability cost on average $276, $506, and $322, respectively. Florence and North Charleston average the highest rates, and the three companies with the most written premium are State Farm, Allstate, and Geico.

Average rate for full coverage: $1,244

Price estimates by individual coverage type:

Comprehensive $276
Collision $506
Liability $322

40-year-old driver, full coverage with $500 deductibles, and good driving record

Average Price Range for Auto Insurance in South Carolina

For an average driver, South Carolina insurance prices go from as cheap as $382 for just liability insurance to a high of $2,688 for a driver required to buy high-risk insurance.

Liability Only $382
Full Coverage $1,244
High Risk $2,688

These price ranges show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of depending on averaged prices.

Use the form below to get accurate rates for your location.

Enter your South Carolina zip code below to view companies that have cheap auto insurance rates.

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South Carolina car insurance rate comparison chart
Column chart showing South Carolina car insurance prices range from $716 to $4,582 for full coverage

Chart shows South Carolina car insurance rates for different situations. The cheapest discount rate is $716. Insureds who use higher $1,000 deductibles will pay about $1,066. The average rate for a 40-year-old male driver using $500 deductibles is $1,244. Choosing low $100 deductibles for comprehensive and collision insurance will cost more, up to $1,592. Drivers considered high risk could be charged at least $2,688. The cost for full coverage for a teen driver can climb as high as $4,582.

Insurance rates in South Carolina are also quite variable based on the make and model of your vehicle, your driver profile, and policy deductibles and limits.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $530 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $290 more per year. View Rates by Deductible or Liability Limit

The area you live in also has a big influence on auto insurance prices. Areas with less crime and congestion might see rates around $900 a year, whereas some areas in Florence and North Charleston may see prices closer to $1,600. Even areas within a few miles of each other in the same city can have very different rates.

These price discrepancies emphasize the need to quote rates for your specific South Carolina zip code.

View Chart as Image

South Carolina insurance rates by city

Your choice of vehicle makes a big difference in the price you pay for car insurance in South Carolina. Buying a lower-cost and lower horsepower vehicle will save money on insurance due to cheaper repair costs and lower medical and liability claims. The next table shows car insurance premium estimates for the top vehicles on the road in South Carolina.

South Carolina Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,3125.2%
Dodge Ram$1,3507.9%
Ford Escape$1,034-20.3%
Ford Focus$1,204-3.3%
Ford Fusion$1,3205.8%
Ford F-150$1,170-6.3%
GMC Acadia$1,146-8.6%
GMC Sierra$1,2923.7%
Honda Accord$1,162-7.1%
Honda Civic$1,3608.5%
Honda CR-V$1,006-23.7%
Honda Pilot$1,182-5.2%
Hyundai Sonata$1,2601.3%
Kia Optima$1,2843.1%
Nissan Altima$1,2802.8%
Nissan Rogue$1,2480.3%
Toyota Camry$1,2681.9%
Toyota Corolla$1,240-0.3%
Toyota Prius$1,152-8%
Toyota RAV4$1,174-6%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

Your choice of car insurance company definitely has an impact on price. Each company has a slightly different rate calculation, and prices can change based on your risk profile. In South Carolina, car insurance prices range from $760 with The Hartford to as high as $2,717 with Safeco. Companies like USAA, State Auto, and Auto-Owners are neither the lowest or highest.

That is probably not the exact rates you would pay, as the vehicle you are insuring, your driving history, and your location in South Carolina have to be factored in.

South Carolina Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm24.66%$1,394
2Allstate14.05%$1,605
3Geico10.89%$2,021
4Nationwide8.93%$1,796
5USAA8.20%$1,005
6Progressive6.70%$1,627
7Liberty Mutual4.66%$2,464
8Travelers3.69%$1,370
9Farm Bureau2.94%$1,273
10Auto Owners1.60%$1,130
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the rates may be quite different between companies.

South Carolina Auto Insurance Articles

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Rates by Driver Age

South Carolina Insurance Rates by Driver Age
Driver AgePremium
16$4,582
20$2,876
30$1,304
40$1,244
50$1,136
60$1,116

Full coverage, $500 deductibles

Rates by Deductible

South Carolina Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,592
$250$1,430
$500$1,244
$1,000$1,066

Full coverage, driver age 40

Rates by Liability Limit

South Carolina Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,244
50/100$1,308
100/300$1,389
250/500$1,598
100 CSL$1,341
300 CSL$1,518
500 CSL$1,647

Full coverage, driver age 40

Rates for High Risk Drivers

South Carolina Car Insurance Rates for High Risk Drivers
AgePremium
16$6,542
20$4,566
30$2,756
40$2,688
50$2,564
60$2,542

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$66
Multi-vehicle$64
Homeowner$17
5-yr Accident Free$93
5-yr Claim Free$80
Paid in Full/EFT$58
Advance Quote$62
Online Quote$88
Total Discounts$528
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

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