In South Carolina, full coverage car insurance averages $1,797 yearly, while state minimum coverage is about $909. These rates are $501 and $314 more, respectively, than the national average, making insurance in the Palmetto State pricier.
Average Cost of Car Insurance in South Carolina
Updated: January 12, 2025
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Key Takeaways
Drivers in South Carolina pay about 39% more for full coverage car insurance than the national average.
Minimum coverage costs here are around 53% higher than the national average.
The average cost of car insurance in the Palmetto State is $909 for minimum coverage and $1,797 for full coverage, making it one of the pricier states for insurance.
How Much Is Car Insurance in South Carolina?
| Full Coverage | $1,797 | $1,296 | 39% |
| State Minimum Liability Only | $909 | $595 | 53% |
Read More: Average Cost of Car Insurance
South Carolina Car Insurance Rates by Coverage Level
Your choice of coverage level impacts your car insurance rate in the Palmetto State. Opting for higher liability limits and full coverage will raise your rate, but choosing a higher deductible can lower your premium. Below, find the average state minimum and full coverage rates in South Carolina for different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,986 | $1,500 |
| 300/500/300 | Full Coverage | $1,935 | $1,000 |
| 300/500/300 | Full Coverage | $1,931 | $500 |
| 100/300/100 | Full Coverage | $1,848 | $1,500 |
| 100/300/100 | Full Coverage | $1,797 | $1,000 |
| 100/300/100 | Full Coverage | $1,793 | $0 |
| State Minimum | Full Coverage | $1,571 | $1,500 |
| 300/500/300 | Liability Only | $1,561 | $0 |
| State Minimum | Full Coverage | $1,520 | $1,000 |
| State Minimum | Full Coverage | $1,515 | $500 |
| 100/300/100 | Liability Only | $1,303 | $0 |
| State Minimum | Liability Only | $909 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average South Carolina Car Insurance Cost by City
Car insurance rates in South Carolina can change based on crime, traffic, weather, and repair costs. Charleston's annual full coverage is $1,552, while Columbia is slightly cheaper at $1,465, and North Charleston is higher at $1,658. Compare these rates to the state average in the table below.
| Charleston | $1,552 | -19% | $861 | -21% |
| Columbia | $1,465 | -23% | $801 | -27% |
| North Charleston | $1,658 | -13% | $894 | -18% |
Average South Carolina Car Insurance Cost by Age
In South Carolina, your age can drive up your car insurance costs. Younger drivers, seen as riskier, often pay more. On average, 25-year-olds pay $2,172, about 14% more for full coverage, and $1,116, roughly 2% more for state minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay over 22% and 19% more, respectively.
| 25 | $2,172 | $1,116 |
| 40 | $1,797 | $909 |
| 65 | $1,699 | $905 |
In most places, how old you are can change your car insurance cost. But in California, Massachusetts, and Hawaii, your age doesn't matter for the price of insurance.
Car Insurance Costs in South Carolina for Young Drivers by Gender
In South Carolina, young drivers face higher car insurance costs due to increased risk from more accidents. Drivers aged 18 to 25 pay an average of $2,035 per year when added to a family policy, which is 23% less than an individual policy.
Gender also plays a role in these rates; female drivers aged 18 to 25 pay an average of $2,365 per year, which is less than male drivers. Below, you'll find the average costs for both individual and family policies for young drivers in South Carolina, broken down by gender.
Car Insurance Costs in South Carolina for Young Women
An 18-year-old woman added to a family car insurance policy in South Carolina averages $2,325. If she chooses an individual policy, the rate jumps to $3,905, a significant 40% increase.
| 18 | $3,905 | $2,325 | -40% |
| 19 | $2,951 | $2,468 | -16% |
| 20 | $2,637 | $2,211 | -16% |
| 21 | $2,116 | $1,779 | -16% |
| 22 | $1,978 | $1,790 | -9% |
| 23 | $1,869 | $1,698 | -9% |
| 24 | $1,792 | $1,633 | -9% |
| 25 | $1,674 | $1,529 | -9% |
Car Insurance Costs in South Carolina for Young Men
An 18-year-old man in South Carolina pays about $4,408 for full coverage on his own. Adding him to a family policy costs around $2,557, saving nearly 42% annually.
| 18 | $4,408 | $2,557 | -42% |
| 19 | $3,344 | $2,700 | -19% |
| 20 | $2,984 | $2,418 | -19% |
| 21 | $2,401 | $1,947 | -19% |
| 22 | $2,212 | $2,104 | -5% |
| 23 | $2,044 | $1,946 | -5% |
| 24 | $1,914 | $1,823 | -5% |
| 25 | $1,719 | $1,637 | -5% |
Average South Carolina Car Insurance Cost by Driving Record
In South Carolina, a driving mishap could raise your car insurance by 9% to 36%, depending on the offense. Below, we compare rates for drivers with at-fault accidents, speeding tickets, and DUIs to those with a spotless record.
| At-Fault Accident | $2,600 | 36% | $1,368 | 25% |
| DUI | $2,486 | 30% | $1,311 | 20% |
| Ticket | $2,296 | 20% | $1,204 | 10% |
Read More: [High-Risk Car Insurance in South Carolina](https://www.moneygeek.com/insurance/auto/high-risk-car-insurance-south carolina/)
Average South Carolina Car Insurance Cost by Credit Score
Your credit-based insurance score is key when insurers set car insurance prices in South Carolina. On average, drivers with excellent credit pay about $1,272 a year for full coverage, while those with poor credit may see rates around $2,675.
| Excellent | $1,272 | -33% | $505 | -54% |
| Good | $1,554 | -19% | $615 | -44% |
| Fair | $1,873 | -2% | $742 | -32% |
| Below Fair | $2,227 | 17% | $887 | -19% |
| Poor | $2,675 | 40% | $1,032 | -6% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 signifies financial trustworthiness, potentially lowering insurance costs for South Carolina drivers. However, insurers in Hawaii, Massachusetts, Maryland, California, and Michigan are barred from using credit-based scores for pricing. Meanwhile, in North Carolina, Oregon, Washington, Utah, and Nevada, credit scores are considered only in specific situations.
Average South Carolina Car Insurance Cost by Company
Car insurance rates can change a lot from one company to another, even in the same state. In South Carolina, American National P&C offers the most affordable average annual full coverage at $682. On the high end, Dairyland's premium is 35% more than the state's average.
| American National P&C | $682 | $375 |
| South Carolina Farm Bureau | $890 | $483 |
| Auto-Owners Insurance Co | $1,023 | $545 |
| GEICO | $1,244 | $644 |
| Travelers | $1,347 | $799 |
| Allstate | $1,479 | $707 |
| Progressive | $1,495 | $581 |
| American Family | $1,548 | $663 |
| State Farm | $1,769 | $889 |
| Bristol West | $3,700 | $1,957 |
| Dairyland | $4,591 | $2,361 |
Read More: [Cheapest Car Insurance Companies in South Carolina](https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-south carolina/)
Average South Carolina Car Insurance Cost by Vehicle Age
In South Carolina, newer cars often come with higher full coverage premiums, averaging $1,905 annually, due to their value and risk factors. In contrast, a 10-year-old model averages $1,651 for the same coverage. Surprisingly, minimum coverage is slightly less for new models at $793 versus $850 for older cars.
| 10-Year-Old Vehicle | $1,651 | $850 |
| New Model Vehicle | $1,905 | $793 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is the valuation your insurer assigns just before it was damaged. In comprehensive or collision claims, this ACV helps determine the maximum payout for repairs or replacement, minus your deductible. This process ensures the claim is aligned with the vehicle's fair market value.
Read More: Used Car Insurance
South Carolina Car Insurance Rates Explained
In South Carolina, car insurance rates may be more affordable or costlier compared to the national average. Factors like your location, driving history, and credit-based insurance score impact the price. Whether you choose full coverage or just meet the minimum coverage requirements also affects your premium.
Is Car Insurance Expensive in South Carolina?
Car insurance in South Carolina is more expensive than the national average, with an average full coverage cost of $150 per month. It's about 39% higher compared to the national cost.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in South Carolina vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
South Carolina Average Cost
Full Coverage Car Insurance
$150SC Car Insurance Is Expensive:$42 more
This is 39% more expensive.
Why Are Car Insurance Rates Expensive in South Carolina?
South Carolina's car insurance rates are high due to severe weather like tropical cyclones and storms, which increase claims. Urbanization and legal rules also push up costs. For affordable plans, compare options and seek minimum coverage.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in South Carolina
While average rates show trends, your South Carolina car insurance cost depends on your own details. Consider your driving record, car type, and coverage needs for a personal estimate.
Driving Record
Safe driving habits can lead to fewer accidents and traffic violations, which helps keep your insurance premiums lower.
Age and Gender
Younger drivers and males typically face higher rates. Drive safely and shop around as you age for potential rate decreases.
Credit History
A higher credit score can significantly reduce car insurance costs. Pay bills on time and reduce debt to improve your score.
Vehicle Type
Opt for a car with a strong safety record and lower repair costs. Sports cars generally carry higher insurance rates.
Location Within South Carolina
Living in areas with lower crime and accident rates in South Carolina can lead to cheaper insurance rates due to reduced risk.
Coverage Level
Higher deductibles can lower premiums, but ensure you have enough coverage for peace of mind and legal requirements.
Marital Status
Married individuals often receive lower rates due to perceived stability. Inform your insurer if your marital status changes.
State Law
South Carolina law requires minimum coverage. Knowing these requirements can help you avoid purchasing unnecessary additional coverage.
Read More: [South Carolina Car Insurance Calculator](https://www.moneygeek.com/insurance/auto/car-insurance-calculator-south carolina/)
Minimum Car Insurance in South Carolina
In South Carolina, the average cost for state minimum car insurance is $909, which is higher than the national average of $595. This coverage is more affordable than full coverage, keeping in mind the state's minimum requirements. Below is a table detailing these minimum insurance needs.
South Carolina Car Insurance Requirements
In South Carolina, drivers need minimum coverage auto insurance. This includes $25,000 for bodily injury per person, $50,000 for injury per accident and $25,000 for property damage per accident. You also need uninsured motorist coverage at $25,000 per person and $50,000 per accident.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person. | In South Carolina, this amount covers injuries to one person in an accident you cause. |
$50,000 for bodily injury liability per accident. | This is the total coverage for all injuries in an accident you cause, ensuring victims receive compensation. |
$25,000 for property damage liability per accident. | This covers damage to another person's property in an accident you cause, like their car or fence. |
$25,000 uninsured motorist bodily injury per person. | This protects you if you're hit by an uninsured driver, covering injuries to one person. |
$50,000 uninsured motorist bodily injury per accident. | This covers injuries to all parties if you're hit by an uninsured driver, providing peace of mind. |
Read More: [State Minimum Car Insurance Requirements in South Carolina](https://www.moneygeek.com/insurance/auto/state-laws-minimum-requirements-south carolina/)
How to Lower Car Insurance Costs in South Carolina
Compare rates, boost your deductible and snag all discounts for more affordable car insurance in the Palmetto State.
- 1
Compare Multiple Quotes
Obtaining quotes from different insurers helps you find the most affordable plan, potentially reducing your annual spending by hundreds of dollars.
- 2
Lower Your Risk Profile
Maintaining a clean driving record free of at-fault accidents and moving violations can make you appear less risky to insurers, resulting in lower premiums.
- 3
Adjust Your Coverage
Only pay for necessary coverage by reviewing your policy. Opting for higher deductibles or using policies based on mileage can further decrease your costs.
- 4
Ask for Discounts
Check eligibility for discounts on safe driving, academic excellence, installing anti-theft systems, completing defensive driving courses, and policy bundling to significantly lower premiums.
- 5
Consider the Car You Drive
Selecting a vehicle with high safety ratings and lower insurance costs can help in reducing premiums, benefiting residents across your state.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in South Carolina: Bottom Line
In South Carolina, drivers pay about $1,797 yearly for full coverage car insurance, which is 39% above the national average. Rates are influenced by driving history, car type, and coverage amount. Compared to other states, South Carolina is on the pricier side for car insurance.
South Carolina Car Insurance Rates: FAQ
Discover what affects car insurance costs in South Carolina, like age and driving record. Learn how to find affordable rates.
What are the minimum car insurance requirements in South Carolina?
In South Carolina, the minimum car insurance requirements include Bodily Injury Liability of $25,000 per person and $50,000 per accident, along with Property Damage Liability of $25,000 per accident. Uninsured/Underinsured Motorist Coverage also requires $25,000 per person and $50,000 per accident. These are the bases for state minimum coverage of automobile insurance.
What is the average cost of full coverage and minimum coverage auto insurance in South Carolina?
In South Carolina, the average annual cost for state minimum coverage auto insurance is $909, while full coverage averages around $1,797. These rates are both above the national averages of $595 and $1,296, respectively.
What is the average cost of car insurance for a 25-year-old in South Carolina?
The average cost of full coverage car insurance for a 25-year-old in South Carolina is $2,172, while minimum coverage costs about $1,116. These rates are slightly above the state average.
What are the cheapest car insurance companies in South Carolina?
American National P&C offers the most affordable car insurance in South Carolina, with full coverage at $682 annually ($57 monthly) and state minimum coverage at $375 annually ($31 monthly). While seeking the lowest rates can be economical, it's crucial to have sufficient coverage to protect against significant financial losses. Picking the right policy involves balancing cost and coverage to fit individual needs.
South Carolina Auto Insurance Cost: How We Determine Average Rates
In South Carolina, we assessed car insurance rates using a sample driver profile: a 40-year-old male with a 2012 Toyota Camry LE, a spotless driving record, and driving 12,000 miles annually. We adjusted this profile based on age, vehicle, credit score, and driving history to find average rates for various drivers.
Coverage Levels and Deductibles
For a full coverage policy, we include comprehensive and collision coverage with a $1,000 deductible and liability limits of 100/300/100:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
For minimum coverage in South Carolina, the state requires:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Find out more about how we calculate these averages by visiting MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.