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Who Has the Cheapest Auto Insurance Quotes in South Carolina?

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, specifically when you are searching for the cheapest car insurance in South Carolina. To save some money, let’s teach you some of the factors that significantly impact car insurance prices, and find a few ways to lower the price of your next policy.

For drivers in South Carolina, one of the more important components that are used to help calculate the price you pay for insurance is where you keep your car in South Carolina. Cities with larger populations or higher claim trends like North Charleston, Florence, and Charleston are more likely to have higher rates, whereas less populated areas receive better rates.

The table below ranks the most expensive areas in South Carolina to purchase a policy in.

Where does South Carolina rank for car insurance cost?
Rank City Annual Premium
1 North Charleston $1,301
2 Summerville $1,290
3 Florence $1,259
4 Goose Creek $1,246
5 Charleston $1,235
6 Mount Pleasant $1,225
7 Columbia $1,225
8 Sumter $1,202
9 Socastee $1,187
10 Saint Andrews $1,184
11 Myrtle Beach $1,174
12 Hilton Head Island $1,162
13 Greenville $1,133
14 Greenwood $1,132
15 Spartanburg $1,127
16 Anderson $1,116
17 Rock Hill $1,102
18 Aiken $1,097
19 North Augusta $1,095
20 Taylors $1,085
21 Easley $1,066
22 Greer $1,055
23 Simpsonville $1,050
24 Wade Hampton $1,048
25 Mauldin $1,029
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Rates are approximated as specific South Carolina zip code can affect auto insurance rates substantially.

We all have different tastes in cars, and the vehicle that is being insured is one of the main factors that determines whether or not you find affordable car insurance in South Carolina. Vehicles with high performance features, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models. The tables below estimates coverage costs for the cheaper automobiles to insure in South Carolina.

Car Insurance Rates for Popular Cars in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,212 $606 $101
Ford Fusion Sport 4-Dr Sedan $1,312 $656 $109
Honda Accord LX 4-Dr Sedan $1,024 $512 $85
Honda Civic DX 4-Dr Sedan $1,186 $593 $99
Hyundai Elantra SE 4-Dr Sedan $1,286 $643 $107
Hyundai Sonata GLS 4-Dr Sedan $1,292 $646 $108
Nissan Altima 3.5 SR 4-Dr Sedan $1,312 $656 $109
Toyota Corolla XRS $1,312 $656 $109
Volkswagen Jetta SE 2.5 Station Wagon $1,222 $611 $102
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in garaging location in South Carolina which can affect prices substantially.

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Car Insurance Rates for Popular SUVs and Crossovers in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $1,264 $632 $105
BMW X5 3.0I AWD $1,338 $669 $112
Buick Enclave XL 2WD $1,312 $656 $109
Chevrolet Traverse LS 2WD $1,050 $525 $88
Ford Escape XLT 4WD $1,050 $525 $88
Ford Explorer XLT 2WD $1,140 $570 $95
GMC Acadia SLE AWD $1,212 $606 $101
Honda CR-V EX 4WD $1,050 $525 $88
Honda Fit Sport VSA $1,082 $541 $90
Honda Pilot EX 2WD $1,166 $583 $97
Jeep Grand Cherokee Limited 4WD $1,312 $656 $109
Toyota 4Runner SR/5 2WD $1,148 $574 $96
Toyota Highlander Limited 4WD $1,338 $669 $112
Toyota RAV4 2WD $1,212 $606 $101
Volvo XC90 V8 AWD $1,410 $705 $118
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in South Carolina location which can change premiums noticeably.

Car Insurance Rates for Popular Pickup Trucks in South Carolina
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $1,024 $512 $85
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,438 $719 $120
Chevrolet Silverado LT Regular Cab 2WD $1,292 $646 $108
Dodge Ram 3500 Crew Cab SLT 2WD $1,438 $719 $120
Dodge Ram Quad Cab Sport 4WD $1,418 $709 $118
Ford F-150 XL Crew Cab 2WD $1,140 $570 $95
Ford F-350 Crew Cab Lariat 4WD $1,714 $857 $143
GMC Canyon SLE Ext Cab 4WD $1,140 $570 $95
GMC Sierra SL Crew Cab 2WD $1,312 $656 $109
Toyota Tundra Limited Crew MAX 2WD $1,392 $696 $116
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific location information which can affect rates significantly.

Determining which companies have the cheapest car insurance rates in South Carolina takes a bit more work in order to find coverage that fits your budget. Each insurance company has their own process for determining prices, so let’s rank the most competitive car insurance companies in South Carolina.

We do need to point out that South Carolina car insurance rates are impacted by many factors which can substantially decrease or increase the policy premium. Improving your credit score, having a teen driver, or getting caught speeding can cause premium changes that can now make some companies much cheaper than others.

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

The Hartford generally has some of the best car insurance rates in South Carolina at around $768 a year. USAA, Auto-Owners, State Auto, and Southern Farm Bureau would also be considered some of the more affordable South Carolina car insurance companies.

As the rates illustrate above, if you are a policyholder with Auto-Owners and switched to The Hartford, you might achieve savings of approximately $339. Drivers with State Auto could save as much as $370 a year, and Southern Farm Bureau policyholders might see rate reductions of $480 a year.

To see if you’re overpaying, click here to start your free quote or quote prices from the following companies.

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

Understand that those rates are averaged for all ages of drivers and types of vehicles and and are not calculated with a rate decrease in South Carolina. So the car insurance company that can offer you the best price may not even be featured in the above rate chart. That affirms the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Cautious drivers save money

In a perfect world, the ideal way to find the cheapest auto insurance quotes in South Carolina is to drive carefully and avoid getting tickets or having accidents. The chart below illustrates how speeding tickets and at-fault claims can raise insurance rates for different ages of insureds. The premiums are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of car insurance per year with no violations or accidents is $1,620. Receive one speeding ticket and the average cost hikes up to $1,867, an increase of $247 each year. Then include two accidents along with the one speeding ticket and the yearly cost of car insurance in South Carolina increases to an average of $4,196. That’s an increase of $2,576, or $215 per month, just for a couple of infractions!

Discounts on the cheapest auto insurance quotes in South Carolina

Save on car insurance for drivers in South CarolinaCar insurance companies that provide coverage in South Carolina may also give you premium discounts that may potentially lower prices by 35% or more if you meet specific eligibility requirements. A few of the larger companies and their offered discounts are shown below.

  • American Family includes discounts for defensive driver, air bags, multi-vehicle, mySafetyValet, bundled insurance, early bird, and good driver.
  • Nationwide may include discounts for accident-free, business or organization, multi-policy, anti-theft, family plan, easy pay, and defensive driving.
  • MetLife offers discounts for defensive driver, claim-free, good student, multi-policy, good driver, accident-free
  • 21st Century has savings for defensive driver, good student, homeowners, student driver, automatic seat belts, air bags, and 55 and older.
  • Farmers Insurance discounts include early shopping, multi-car, bundle discounts, electronic funds transfer, teen driver, mature driver, and alternative fuel.
  • Allstate may have discounts that include economy car, passive restraint, early signing, auto/life discount, anti-theft, and farm vehicle.

The example below visualizes the comparison of insurance premiums with and without discounts being applied to the rates. The premiums assume a male driver, no accidents or driving violations, South Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, defensive driving course, homeowner, multiple vehicle, passive restraint, and anti-theft discounts applied. With discounts applied, the amount saved on car insurance in South Carolina is 28% or $728.

Does it make sense to buy full coverage?

Finding the cheapest auto insurance quotes in South Carolina is the goal of the majority of drivers, and one good way to buy cheaper insurance is to buy only liability coverage. The illustration below shows the difference between insurance rates with and without physical damage coverage. The information is based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.

If we average the cost for all age groups, physical damage coverage costs an additional $2,619 per year over having just liability coverage. Lot’s of drivers question if it’s a good idea to buy full coverage. There is no set guideline for dropping comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

There are a few situations where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

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