South Carolina Car Insurance Rates
Average auto insurance rates in South Carolina for 2019 are $1,276 a year for full coverage. Comprehensive insurance, collision, and liability cost on average $284, $518, and $330, 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: $1,276
Price estimates by individual coverage type:
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 $390 for just liability insurance to a high of $2,750 for a driver required to buy high-risk insurance.
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.
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Recommended Companies for Cheap South Carolina Insurance
Chart shows South Carolina car insurance rates for different situations. The cheapest discount rate is $731. Insureds who use higher $1,000 deductibles will pay about $1,094. The average rate for a 40-year-old male driver using $500 deductibles is $1,276. Choosing low $100 deductibles for comprehensive and collision insurance will cost more, up to $1,628. Drivers considered high risk could be charged at least $2,750. The cost for full coverage for a teen driver can climb as high as $4,684.
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 $540 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 $297 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 $1,000 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.
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
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 $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 132% 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.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
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 $4,600 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
- Who Has the Cheapest Auto Insurance Quotes in South Carolina?
- Best Cheap Insurance for a Nissan Rogue in South Carolina
- Best Cheap Insurance Quotes for a Toyota Corolla in South Carolina
- Best Cheap Insurance for a Honda Accord in South Carolina
- Cheapest Auto Insurance for Drivers Under 21 in South Carolina
- Best Cheap Auto Insurance for Drivers with a DUI in South Carolina
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$96|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.