Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in South Carolina Average car insurance cost in South Carolina In South Carolina, a full-coverage car insurance policy will cost you an average of $2,367 annually or $197 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in South Carolina, your monthly cost for full coverage car insurance is $197, which adds up to $2,367 per year. For minimum coverage, expect to pay an average of $57 monthly, or $682 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,367 Average per month cost $197 Average cost for state minimum coverage $918 / Year Cheapest car insurance company Auto-Owners$1,715 / Year Average cost for young drivers $3,809 / Year Average cost for Senior drivers $2,324 / Year 012345 1 of 6 Average car insurance cost in South CarolinaIf you live in South Carolina can expect to pay an average of $197 per month for full coverage car insurance – that’s $2,367 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $57 monthly or $682 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in South CarolinaAuto-Owners has the cheapest rates, at an average annual cost of $1,715 or $143 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average cost of $177 per month or $2,130 annually.While these insurance companies have some of the lowest average rates in South Carolina, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in South Carolina Graph Table Company nameAverage per month costAverage annual costAuto-Owners$143$1,715Nationwide$177$2,130Southern Farm Bureau$192$2,310Travelers$195$2,342GEICO$201$2,417Progressive$222$2,666Allstate$234$2,806State Farm$261$3,133USAA*$148$1,772*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: South Carolina car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra South Carolina Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State South Carolina Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$1,225/year Liability coverage$2,042/year Full Coverage$3,522/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in South CarolinaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $57 a month, or about $682 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in South Carolina pay around $197 per month, or roughly $2,367 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$682Liability only$918Full coverage$2,367Non-owner state minimum liability$424Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in South Carolina by citySee rates in your cityCharlestonColumbiaGreenville Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in South Carolina by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like North Charleston, Summerville or Florence, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Greenville or Rock Hill pay significantly low insurance rates, on average between $2,189 and $2,247 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costGreenville$2,189Rock Hill$2,247Mount Pleasant$2,255Columbia$2,409Sumter$2,467Goose Creek$2,478Florence$2,508Charleston$2,508Summerville$2,512North Charleston$2,594Powered by:Average car insurance cost in South Carolina by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in South Carolina for a full coverage policy based on your age and gender.Average car insurance cost in South Carolina for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in South Carolina pay an average of $5,320 per year for car insurance, while females of the same age pay $4,549.But by the time you turn 25, insurance premiums drop to $2,947 a year on average for male drivers and $2,800 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,320$4,54921$4,095$3,65422$3,815$3,45123$3,520$3,21924$3,331$3,071Powered by:Average car insurance cost in South Carolina for adult driversOn average, an adult male driver in South Carolina pays $2,414 a year for full coverage or $201 per month. Women pay $2,339 a year or $195 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,947$2,80030$2,551$2,46635$2,477$2,39540$2,403$2,33045$2,368$2,29150$2,239$2,20255$2,173$2,12660$2,158$2,105Powered by:Average car insurance cost in South Carolina for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,199 per year, while women pay $2,136. But by age 70, average premiums rise to $2,311 for men and $2,234 annually for women. At 75, rates increase even further – $2,595 for male drivers and $2,467 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,199$2,13670$2,311$2,23475$2,595$2,467Powered by:Minimum car insurance requirements in South CarolinaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in South Carolina can help you avoid fines and make smarter choices about your coverage.Drivers in South Carolina must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in South CarolinaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Subaru Crosstrek tops the list for cheapest car to insure in South Carolina at an average cost of $1,770 a year, followed closely by Acura RDX at $1,817 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumSubaru Crosstrek$1,770Acura RDX$1,817Subaru Outback$1,833Honda CR-V$1,834Mazda CX-5$1,835Volkswagen Tiguan$1,856Hyundai Venue$1,861Mini Cooper Countryman JCW$1,870Ford Maverick$1,877Chevrolet TrailBlazer$1,879Powered by:Most expensive cars to insure in South CarolinaBMW M8 Gran Coupe tops the list as the most expensive car to insure in South Carolina, at an average annual cost of $6,079. Below is a list of the most expensive vehicles to insure in South Carolina and their average annual premiums.Make ModelAverage annual premiumBMW M8 Gran Coupe$6,079BMW M8$5,552BMW i7$5,376Maserati Quattroporte$5,324Porsche 911 Turbo$5,157Audi RS7$5,109Audi RS6$5,089Audi S8$5,034Audi e-tron GT$4,939BMW M4$4,910Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. You might find interesting Explore related topics Car insurance calculator for teens in South CarolinaCheapest SR-22 insurance in South CarolinaDo you need insurance to register a car in South Carolina?Low-cost car insurance in South CarolinaNon-owner auto insurance in South Carolina: Which company has the cheapest rates?South Carolina car insurance calculatorSouth Carolina car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in South CarolinaSee more Explore other insurance options in South Carolina The best and cheapest car insurance in South Carolina Average renters insurance cost in South Carolina Average homeowners insurance cost in South Carolina In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in South CarolinaCheapest car insurance companies in South CarolinaAverage cost of car insurance by coverage levels in South CarolinaAverage car insurance cost in South Carolina by cityAverage car insurance cost in South Carolina by ageMinimum car insurance requirements in South CarolinaCheapest cars to insure in South CarolinaMost expensive cars to insure in South CarolinaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330