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 The average premium for car insurance in South Carolina is $2,009 per year or $167 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in South Carolina. On average, car insurance in South Carolina costs $2,009 annually or $167 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $114 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in South Carolina, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $2,009 Average per month cost $167 Average cost for state minimum coverage $720 / Year Cheapest car insurance company Auto-Owners($1,475 / Year) Average cost for young drivers $3,175 / Year Average cost for Senior drivers $2,027 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in South Carolina costs $2,009 per year.In South Carolina, the average premium for car insurance is $167 per month.At $1,475 a year, Auto-Owners has the cheapest car insurance rates in South Carolina.Average car insurance cost in South Carolina per monthIn South Carolina, the monthly rate for car insurance is $167.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in South Carolina, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in South CarolinaAccording to Insure.com’s rate analysis, Auto-Owners offers the most affordable car insurance premiums in South Carolina. The average annual cost is $1,475, or $123 per month. The second-best option available is Progressive, offering insurance at an average cost of $151 per month.The table below lists the other available car insurance companies that offer car insurance in South Carolina, along with their average cost per month and average annual cost. Affordable car insurance providers in South Carolina Graph Table Company nameAverage per month costAverage annual costAuto-Owners$123$1,475Progressive$151$1,816Travelers$162$1,949GEICO$171$2,054State Farm$176$2,106Southern Farm Bureau$183$2,202Allstate$195$2,336Sentry Insurance$307$3,681USAA$121$1,451 Read our guide to cheap car insurance companies South Carolina car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State South Carolina Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,171/Year OR $181/month South Carolina Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in South CarolinaCar insurance rates in South Carolina are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $925 per year in South Carolina.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in South Carolina amounts to $2,009 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In South Carolina, the average annual cost for non-owner state minimum liability coverage is $368.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $720 in South Carolina.1State minimum:$7202Liability only:$9253Full coverage:$2,0094Non-owners:$368Auto 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 cityCharlestonColumbiaGreenvilleNorth CharlestonRock HillAverage car insurance cost in South Carolina by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in South Carolina:CityAverage annual costCharleston$2,059Columbia$1,973Florence$2,026Goose Creek$2,022Greenville$1,953Mount Pleasant$2,081North Charleston$2,154Rock Hill$1,938Summerville$2,056Sumter$2,005Average car insurance cost in South Carolina by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In South Carolina, the average annual rate for young drivers is $3,175, whereas for seniors, it is $2,027. The rate for young drivers exceeds that of senior drivers by $1,148.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in South Carolina for young driversIn South Carolina, the auto insurance premium for female young drivers averages at $3,018 annually, or $252 monthly, while male young drivers face a yearly rate of $3,333, or a monthly average of $278. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,324 $3,797 21 $3,433 $3,072 22 $3,160 $2,892 23 $2,941 $2,721 24 $2,765 $2,585 Average car insurance cost in South Carolina for senior driversIn South Carolina, the annual car insurance cost for senior female drivers is $2,000 or $167 monthly. Similarly, male senior drivers face a yearly insurance cost of $2,054 per year, with a monthly average of $171. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,891 $1,865 70 $1,994 $1,950 75 $2,277 $2,183 Read more about senior car insuranceMinimum car insurance requirements in South CarolinaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the South Carolina Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in South Carolina:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in South CarolinaAccording to Insure.com data study, Chevrolet TrailBlazer has the lowest premium of $1,645. Kia Seltos is followed closely at $1,652 per year. The difference in the cost of insuring these two models is $7 annually.MakeModelAverage annual premiumChevroletTrailBlazer$1,645KiaSeltos$1,652HondaCR-V$1,668MazdaCX-5$1,674SubaruForester$1,684VolkswagenTiguan$1,689MazdaCX-30$1,704SubaruOutback$1,704SubaruCrosstrek$1,705FordEscape Plug-in Hybrid$1,715Most expensive cars to insure in South CarolinaThe Maserati Quattroporte Trofeo, at an average annual premium of $5,203, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $3,558 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$5,203MaseratiQuattroporte$5,186DodgeCharger SRT$5,154PorscheTaycan Turbo$5,117AudiR8 Performance$5,109PorschePanamera Turbo S E-Hybrid$5,031AudiR8$4,995MaseratiGhibli Trofeo$4,963BMWM8$4,948AudiE-Tron GT$4,884MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in South-Carolina Non-owner auto insurance in South Carolina Average renters insurance cost in South Carolina Average homeowners insurance cost in South Carolina In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in South Carolina per monthCheapest 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 age of the driverMinimum 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