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Average South Carolina insurance premiums by company
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Average annual premium in South Carolina
|AAA Insurance/Auto Club||
|USAA (must have a military affiliation to apply)||
Insurance increase after a speeding ticket
South Carolina drivers who get a speeding ticket pay an average insurance increase of 27%, about the same as the nationwide average increase.
|State||Clean driving record||Speeding ticket||% increase|
Insurance increase after an accident
South Carolina drivers who cause an accident get an average insurance increase of 37%, about the same as the national average increase.
|State||Annual premium with clean driving record||Annual premium with a chargeable accident, no injury||% increase|
Average premiums in South Carolina cities
Drivers in Florence pay the most for auto insurance among the South Carolina cities we examined.
Average annual premium
You must show an insurance ID card (or other proof of financial responsibility) in South Carolina when:
- Law enforcement requests it.
- You renew vehicle registration.
Penalties for not having auto insurance in South Carolina
- False certificate or evidence is a misdemeanor.
- First offense: fine of at least $100 but not more than $200, or up to 30 days in jail.
- Second offense within five years: fine of $200 or 30 days in jail or both.
- Third or subsequent offense within five years: jail for at least 45 days, but not more than six months.
- Making false statement as to insurance will also result in revocation of driver's license and denial of registration for six months.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 22, 2019