South Carolina Car Insurance Quotes & Average Rates
Full coverage car insurance in South Carolina is estimated at $2,217 a year, or $185 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $785 a year. South Carolina is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 34 South Carolina cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — South Carolina
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in South Carolina
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,685 | $140 | -24% | Military members and families only |
| Geico | $1,818 | $152 | -18% | Usually cheapest for clean records |
| State Farm | $1,951 | $163 | -12% | Strong for young and student drivers |
| Progressive | $2,106 | $176 | -5% | Competitive after a ticket or accident |
| Travelers | $2,150 | $179 | -3% | Good multi-policy discounts |
| Nationwide | $2,217 | $185 | 0% | Mid-market, wide availability |
| Allstate | $2,527 | $211 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,683 | $224 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in South Carolina. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
South Carolina car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,989 | $2,121 | $499 |
| 18 years old | $5,052 | $1,789 | $421 |
| 20 years old | $4,183 | $1,481 | $349 |
| 22 years old | $3,474 | $1,231 | $290 |
| 25 years old | $2,651 | $939 | $221 |
| 30 years old | $2,286 | $810 | $190 |
| 40 years old | $2,149 | $761 | $179 |
| 50 years old | $2,057 | $729 | $171 |
| 60 years old | $2,034 | $720 | $170 |
| 65 years old | $2,126 | $753 | $177 |
| 70 years old | $2,331 | $826 | $194 |
| 75 years old | $2,720 | $963 | $227 |
Estimated premiums by age in South Carolina, clean record, sedan.
How violations change your South Carolina premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,217 | — |
| 1 speeding ticket | $2,727 | +23% |
| 1 at-fault accident | $3,259 | +47% |
| DUI / DWI | $4,190 | +89% |
What a violation costs a 35-year-old in South Carolina. Surcharges normally stay on the policy for three to five years.
A DUI in South Carolina usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
South Carolina minimum insurance requirements
| Required coverage in South Carolina | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Uninsured motorist 25/50/25 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the South Carolina Department of Insurance before you buy.
Coverage levels in South Carolina
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $785 | $65 |
| Full coverage (100/300/100 + comp & collision) | $2,217 | $185 |
| Full coverage, high limits + low deductible | $2,638 | $220 |
Coverage level comparison for South Carolina.
Car insurance rates in South Carolina cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 34 South Carolina cities we price.