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 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: January 7, 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 live in South Carolina, you can expect to pay an average of around $197 per month for full coverage car insurance, or $2,367 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $57 monthly or $682 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 Average car insurance cost in South Carolina If you’re a resident of South Carolina, full coverage car insurance typically costs about $197 per month, adding up to $2,367 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $57, or $682 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.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: 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 MinimumNA* Liability coverage$1,059/year Full Coverage$2,441/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in South CarolinaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $57 per month, or $682 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In South Carolina, the average cost for full coverage is $197 per month, or $2,367 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 cityCar insurance rates can vary widely depending on where you live, even within South Carolina.Cities like North Charleston, Summerville, or Florence tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Greenville or Rock Hill, with average annual premiums between $2,189 and $2,247.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 your first insurance policy or just moved to South Carolina, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in South Carolina must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in South CarolinaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Subaru Crosstrek has the lowest premium, at an average of $1,770 a year, closely followed by Acura RDX, with an average annual car insurance cost of $1,817.The table below shows the cheapest cars to insure and their average annual rates.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. 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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 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