Home Car insurance Car insurance rates by state Low-cost car insurance in South Carolina Low-cost car insurance in South Carolina Our data shows Auto-Owners delivers the lowest car insurance rates in South Carolina. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified 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. Auto-Owners provides the lowest car insurance rates in South Carolina at $1,475 a year. The average premium is $167 per month in South Carolina, though your actual rate may vary. Car insurance requirements differ by state. In South Carolina, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways Auto-Owners has the lowest average car insurance premium in South Carolina, costing $1,475 per year. That’s 27% the state average.For drivers with an at-fault accident on record, Auto-Owners offers the most affordable coverage at around $1,974 annually.The 29676 ZIP code stands out as the cheapest area for auto insurance in South Carolina, with an average yearly cost of $1,708. Low-cost car insurance businesses in South CarolinaWhen comparing insurers in South Carolina, Auto-Owners leads the pack with an annual average of $1,475. That’s 27% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.Here are the annual averages from the most affordable insurance companies in South Carolina.CompanyAverage annual ratesAuto-Owners$1,475Progressive$1,816Travelers$1,949GEICO$2,054State Farm$2,106Southern Farm Bureau$2,202Allstate$2,336Sentry Insurance$3,681USAA*$1,451*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in South Carolina 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in South CarolinaIn South Carolina, drivers living in the 29676 ZIP code enjoy the lowest average annual premium at $1,708. Check the table below to see which other ZIP codes in the state have more affordable rates.ZIP codeCityAverage annual rates29676Salem$1,70829665Newry$1,72129672Seneca$1,72229691Walhalla$1,72829693Westminster$1,73929696West Union$1,74329686Tamassee$1,74629685Sunset$1,75329840Mount Carmel$1,75529658Long Creek$1,758Powered by: You might find interesting Average car insurance cost in South CarolinaCar insurance calculator for teens in South CarolinaCheapest SR-22 insurance in South CarolinaDo you need insurance to register a car in South Carolina?Non-owner auto insurance in South Carolina: Which company has the cheapest rates?South Carolina car insurance calculatorThe best, cheapest car insurance in South CarolinaBest and cheapest companies for home and auto bundles in South CarolinaShow more 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 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 Low-cost car insurance in South Carolina by ageTeenagers pay significantly more for car insurance than adults in South Carolina. For instance, a 16-year-old driver pays $5,196 more on average than a 40-year-old.The following table shows car insurance rates by age group in South Carolina.Age groupFull coverage annual premiumsTeens (16-19)$6,021Young Adults (20-24)$3,175Adults (25-60)$2,013Seniors (65-75)$2,027Powered by:Low-cost car insurance in South Carolina by driver historyYour driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.Low-cost car insurance after a speeding ticket in South CarolinaJust one speeding ticket in South Carolina can raise your rates by 30% – $603 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$1,475$2,06440%$589State Farm$2,106$2,2658%$159Progressive$1,816$2,44134%$625Travelers$1,949$2,75441%$805Allstate$2,336$3,03130%$695USAA*$1,451$1,78823%$337*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in South CarolinaAfter an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Auto-Owners has the lowest average rate at $1,974 per year.If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in South Carolina with the most affordable rates for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAuto-Owners$1,475$1,97434%$499State Farm$2,106$2,50419%$398Travelers$1,949$2,65836%$709GEICO$2,054$2,98145%$927Progressive$1,816$3,11471%$1,298Allstate$2,336$3,82864%$1,492USAA*$1,451$2,17650%$725*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in South CarolinaA DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in South Carolina are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseProgressive$1,816$2,247$43124%State Farm$2,106$2,265$1598%Travelers$1,949$2,875$92647%Auto-Owners$1,475$2,918$1,44398%Allstate$2,336$3,195$85937%GEICO$2,054$4,943$2,889141%USAA*$1,451$2,692$1,24185%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance South Carolina Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In South Carolina, the average cost of full coverage is $114 more compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.If you lease or finance your car in South Carolina, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in South Carolina.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in South Carolina. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide. To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX. We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. 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.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2025? Non-owner car insurance: How to get car insurance if you don’t own a car i... 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance businesses in South CarolinaHow we choose low-cost car insurance companies in South CarolinaZIP codes with the cheapest car insurance in South CarolinaLow-cost car insurance in South Carolina by ageLow-cost car insurance in South Carolina by driver historyAverage cost of car insurance South CarolinaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330