Low cost South Carolina Auto Insurance 2021 – MarketWatch

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Auto insurance in South Carolina is slightly more expensive than the national average, but that doesn't mean your insurance premiums have to be high. The best way to find cheap car insurance is to compare the car insurance quotes from different providers.

  • Cheapest Auto Insurance in South Carolina

  • 5 auto insurance options in South Carolina

  • Auto Insurance Requirements in South Carolina

  • How to Get Auto Insurance in South Carolina

  • frequently asked Questions

  • Our methodology

Cheapest Auto Insurance in South Carolina

Car insurance providers in South Carolina offer a wide range of prices. According to our rate estimates for fully comprehensive insurance for good drivers, USAA is typically the cheapest option in South Carolina, with an average cost of $ 1,016 per year. Geico is just in second place at $ 1,085 per year.

Car insurance company

Estimated annual cost*

USAA

$ 1,016

Geico

$ 1,085

Progressive

$ 1,192

District farm

$ 1,368

Nationwide

$ 1,380

Car owner

$ 1,396

traveler

$ 1,458

How much does car insurance cost in South Carolina?

According to the National Association of Insurance Commissioners (NAIC), motorists in South Carolina paid an average of $ 1,094 for auto insurance in 2018. This includes both full and minimum insurance plans. Compared to the national average of $ 1,057 for the year, auto insurance in South Carolina was slightly more expensive.

Cheapest Auto Insurance in South Carolina for Young Drivers

Geico has the lowest cost insurance coverage for young drivers in South Carolina based on our cost estimates. USAA and Travelers are also affordable options for these drivers.

Car insurance company

Estimated annual cost*

Geico

$ 1,561

USAA

$ 1,644

traveler

$ 1,681

District farm

$ 1,798

Car owner

$ 2,036

Cheapest auto insurance in South Carolina for drivers with a parking ticket

Not everyone has a clean driving record. Geico typically offers the cheapest auto insurance in South Carolina for speeding drivers, with prices around $ 1,085 per year.

Car insurance company

Estimated annual cost*

Geico

$ 1,085

USAA

$ 1,250

District farm

$ 1,477

Progressive

$ 1,571

Southern farm office

$ 1,626

Cheapest auto insurance in South Carolina for drivers with a recent accident

We found USAA generally offers the best rates for drivers in South Carolina who recently had accidents on their records. The annual cost is about $ 1,473. Geico follows with an average of $ 1,616, and State Farm is just behind at $ 1,641.

Car insurance company

Estimated annual cost*

USAA

$ 1,473

Geico

$ 1,616

District farm

$ 1,641

Southern farm office

$ 1,888

traveler

$ 1,936

Cheapest Auto Insurance in South Carolina for Bad Credit Drivers

In South Carolina, poor creditworthiness can increase your rates by up to 75%, according to our rate estimates. Bad credit drivers can find the cheapest fares at Progressive, Nationwide, and USAA.

Car insurance company

Estimated annual cost*

Progressive

$ 1,963

Nationwide

$ 2,030

USAA

$ 2,333

Geico

$ 2,387

traveler

$ 2,485

5 auto insurance options in South Carolina

In our auto insurance reviews, we consider factors beyond price, including coverage options, availability, and claims service. Here's how we rated five auto insurance companies in South Carolina.

Auto Insurance in South Carolina

Overall rating

Coverage Rating

Cost evaluation

1. Geico

9.5

8.5

8.5

2. USAA

9.1

8.5

9.5

3. Progressive

9.0

9.0

8.5

4. Nationwide

8.2

9.0

7.0

5. Travelers

8.0

9.0

7.5

(Our research team takes national factors into account when evaluating providers. The ranking of providers in this table is specific to auto insurance in South Carolina.)

1. Geico

Geico offers some of the cheapest auto insurance in South Carolina for many types of drivers, including young drivers and speeding drivers. In addition to low prices, the company enjoys a good reputation with an A ++ financial rating from AM Best and an A + rating from the Better Business Bureau (BBB).

Geico is the second largest auto insurance provider in the country and wrote over $ 33 billion in premiums in 2020, according to NAIC. At Geico, you get all of the standard coverage options as well as extras such as mechanical breakdown insurance, forgiveness for accidents, breakdown assistance and rental refunds. Unfortunately, Geico's usage-based program, DriveEasy, is not available in South Carolina.

Geico professionals

Geico cons

A + BBB rating and A ++ AM best rating

DriveEasy program not available in South Carolina

Low Prices in South Carolina

Wide range of additional coverage options

2. USAA

USAA is another affordable auto insurance company in South Carolina. You can qualify for coverage if you are a member of the military, veteran, or someone with a close family on duty. USAA extras include accident forgiveness, ridesharing, classic car insurance, and roadside assistance.

USAA has an excellent track record in customer service. The company achieved in the J.D. Power 2021 U.S. Auto Insurance Study℠ for the Southeast region was 890 out of 1,000, higher than any other provider. The company also cut in the J.D. Power 2021 U.S. Insurance Shopping Study℠ and J.D. Power 2020 U.S. Auto Claims Satisfaction Study℠ performed very well.

USAA professionals

USAA cons

Usage-based SafePilot program available in South Carolina

Not available to every driver

High J.D. Power values

Rating of A from BBB and A ++ Financial Strength Rating from AM Best

3. Progressive

When we researched the cost of auto insurance in South Carolina, we found that Progressive is a great option, especially for people with poor creditworthiness. Progressive offers a range of auto insurance discounts, including good student, homeowner, and multi-policy discounts. The company's usage-based Snapshot® program saves drivers an average of $ 146 per semester, according to Progressive's website.

One advantage of Progressive is that all collision insurance up to a certain amount includes pet accident insurance. Other additional options include gap insurance, ridesharing insurance, and custom parts value insurance.

Progressive professionals

Progressive cons

A + BBB rating and A ++ AM best rating

Below average J.D. performance

Progressive snapshot available in South Carolina

Good range of coverage options

4. Nationwide

Like Progressive, Nationwide is an affordable option for South Carolina drivers with poor credit ratings. The company also cut in the J.D. Power Auto Claims Satisfaction Study doing well. In the J.D. Power Insurance Shopping Study and the J.D. However, the Power Auto Insurance Study underperformed. The company has not yet responded to the request for comment on these values.

Nationwide offers a safe driving program called SmartRide® that allows South Carolina drivers to save up to 40% on auto insurance. The company also offers a pay-per-mile option called SmartMiles®, which can be useful for full-time parents or teleworkers who don't drive a lot.

Nationwide benefits

Nationwide disadvantages

A + BBB rating and A + AM best rating

Not always the cheapest option

Good range of discounts

Below average results in some J.D. Power studies

Above average score in the J.D. Power Auto Claims Satisfaction Study

5. Travelers

Depending on your situation, Travelers can be another affordable option for auto insurance coverage in South Carolina. The company offers a wide range of insurance options as well as extras such as gap insurance, new car replacement, ridesharing insurance and forgiveness.

Travelers offers 12 discounts including an early bird discount and a great student discount. The company also offers a usage-based program called IntelliDrive®, which is available in South Carolina. The program tracks your driving habits and can offer discounts of up to 30% on your tariffs. Note that risky driving behavior can result in higher rates on this program.

Traveling professionals

Traveler cons

A + BBB rating and A ++ AM best rating

Below average performance in J.D. Power studies

Wide range of coverage options

Usage-based program available in South Carolina

Auto Insurance Requirements in South Carolina

South Carolina requires drivers to have civil liability insurance of $ 25,000 per person and $ 50,000 per accident and property damage liability insurance of $ 25,000 per accident. The state also requires uninsured motorist insurance of the same amount (25/50/25).

When you get auto insurance in South Carolina, you'll find companies adding motorist underinsurance to their offering. The state requires companies to offer this coverage, but you can opt out.

The requirements for auto insurance in South Carolina are standard compared to other states. However, the state motor vehicle liability insurance only covers vehicle damage and medical bills for other people in accidents caused by you. You can add the following options to cover your own vehicle damage and medical bills following a faulty accident:

  • Accident insurance

  • Fully comprehensive insurance

  • Medical payments (MedPay)

How to Get Auto Insurance in South Carolina

Prices and plans vary by provider, so what is right for you may not be right for others. For this reason, it is a good idea to compare car insurance quotes when shopping.

frequently asked Questions

Who Has The Cheapest Car Insurance In South Carolina?

Based on our rate estimates, USAA typically offers the cheapest fully comprehensive insurance in South Carolina, averaging $ 1,016 per year. Geico and Progressive are also affordable options, with average costs of $ 1,085 and $ 1,192, respectively.

Why is auto insurance so high in South Carolina?

Auto insurance in South Carolina is expensive because about 11% of drivers are uninsured in the state, according to the Insurance Information Institute. Car insurance prices can also fluctuate due to extreme weather conditions such as hail and high winds.

Is North Carolina or South Carolina Car Insurance Higher?

According to the NAIC, auto insurance in South Carolina is much higher than auto insurance in North Carolina. Drivers in South Carolina pay an average of about $ 1,094 per year, while North Carolina drivers pay an average of about $ 734 per year. In fact, there are few states cheaper to get auto insurance than North Carolina.

How much does car insurance cost in South Carolina per month?

According to the NAIC, auto insurance in South Carolina costs about $ 1,094 per year on average. That means auto insurance costs around $ 91 per month on average. However, depending on your situation, you can find higher or lower prices.

Our methodology

We have created a comprehensive rating system to formulate our auto insurance company rankings. We collected data from dozens of auto insurance providers to rank the companies on a variety of ranking factors. The end result was an overall rating for each provider.

Our ratings take the following factors into account:

  • call: Our research team considered market share, industry expert reviews, and years in business in awarding this rating.

  • Availability: Auto insurance companies with greater government availability and fewer licensing requirements performed best in this category.

  • cover: Companies that offer a variety of insurance options are more likely to meet consumer needs.

  • costs: Auto insurance rate estimates and discount opportunities generated by Quadrant Information Services were both considered.

  • Customer experience: This rating is based on the volume of complaints reported by NAIC and J.D. Power reported customer satisfaction ratings. We also considered the responsiveness, friendliness and helpfulness of each insurance company's customer service team based on our own buyer analysis.

* Data correct at the time of publication.

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