Cheap Car Insurance in South Carolina 2019

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Cheapest car insurance companies in South Carolina

Average South Carolina insurance premiums by company

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Average annual premium in South Carolina

Travelers Insurance


The Hartford


AAA Insurance/Auto Club


Farm Bureau


USAA (must have a military affiliation to apply)


Auto-Owners Insurance


State Farm


Nationwide Insurance


Liberty Mutual




MetLife Auto


Progressive Insurance




The General




Dairyland Insurance


Average South Carolina auto insurance premiums

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
South Carolina $1,897/year $2,403/year 27%
Nationwide average 26%

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
South Carolina $1,897/year $2,590/year 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.


Average annual premium















Fort Mill


Goose Creek








Mount Pleasant


Myrtle Beach


North Charleston




Rock Hill










West Columbia


South Carolina auto insurance requirements

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

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