Cheap Car Insurance in South Carolina 2019

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Finding cheap South Carolina car insurance

On the hunt for cheap auto insurance in South Carolina? Here are some of the best ways to lower your insurance bill:

  • Shop around and compare several auto insurance quotes. Rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can pay off.
  • Keep a good driving record. Accidents and tickets for moving violations can lead to a rate increase at renewal time.
  • Adding a young driver to your insurance policy? We have tips for getting cheap car insurance for teen drivers.
  • If you have a college student, find out if you're eligible for auto insurance discounts for college students.
  • Ask your insurance agent to review the possible insurance discounts so you can make sure you're getting all possible savings.
  • Raise the deductible amount on collision and comprehensive insurance, if you buy them.
  • Buy homeowners insurance from your auto insurance company so you can snag a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in South Carolina so you can see how prices compare.

Sections:

  South Carolina insurance vs. the U.S. average
  Average South Carolina insurance premiums by company
  Insurance increases after a speeding ticket
  Insurance increases after an accident
  Average premiums for South Carolina cities

South Carolina insurance vs. the U.S. average

South Carolina car owners with good driving records pay higher premiums than the national average.

  • $1,897/year South Carolina average.
  • $1,684/year national average.

Average South Carolina insurance premiums by company

Company
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Average annual premium in South Carolina

Travelers Insurance

$1,584

The Hartford

$1,591

AAA Insurance/Auto Club

$1,757

Farm Bureau

$1,806

USAA (must have a military affiliation to apply)

$1,810

Auto-Owners Insurance

$1,827

State Farm

$1,828

Nationwide Insurance

$1,841

Liberty Mutual

$1,863

Allstate

$1,869

Geico

$1,931

MetLife

$1,943

Progressive Insurance

$2,007

Safeco

$2,016

The General

$2,074

Esurance

$2,108

Dairyland Insurance

$2,296

Insurance increases in South Carolina 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
South Carolina $1,897 $2,403 27%
Nationwide average 26%

Insurance increases in South Carolina 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
South Carolina $1,897 $2,590 37%
Nationwide average 36%

Average premiums in South Carolina cities

Drivers in Florence pay the most for auto insurance among the South Carolina cities we examined.

City

Average annual premium

Aiken

$1,687

Anderson

$1,824

Beaufort

$1,931

Charleston

$1,879

Columbia

$2,016

Conway

$1,811

Florence

$2,068

Fort Mill

$1,631

Goose Creek

$1,883

Greenville

$1,831

Greer

$1,691

Lexington

$1,777

Mount Pleasant

$1,744

Myrtle Beach

$1,678

North Charleston

$2,047

Orangeburg

$2,061

Rock Hill

$1,870

Simpsonville

$1,796

Spartanburg

$1,875

Summerville

$1,918

Sumter

$2,017

West Columbia

$1,786

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 March 7, 2019

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