Cheap Car Insurance in South Carolina

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Finding cheap car insurance in South Carolina

Looking for cheap car insurance in South Carolina? We've compiled average premiums by company and city so you can see how prices vary. A good strategy is to compare quotes from a few companies.

We looked at premiums reported by EverQuote users in South Carolina for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle. Your own rates will be different.

Company
(Click to see reviews)
Average monthly premium
Travelers $115
Liberty Mutual $132
USAA $133
Nationwide $135.50
Farm Bureau $138
State Farm $139
Allstate $139
Safeco $150
Geico $153
Progressive $159
Esurance $179.50
Source: EverQuote. See full methodology below.             

South Carolina car insurance rates after accidents & speeding tickets

You could get a rate increase at renewal time if you've had an accident, claim or ticket. But how much? We looked at premiums reported by EverQuote users in South Carolina who had an accident or speeding ticket vs. those who didn't. 

On driving record Average monthly premium difference vs. clean record in South Carolina
Speeding ticket 37%
Accident 29%
Source: EverQuote. See full methodology below.


Just because you have problems on your driving record doesn't mean you can't potentially save money by comparison shopping. In fact, if your driving record has changed, comparing quotes can pay off. The cheapest insurance company for you with a clean record might be different than the cheapest company for you with a spotty driving record.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much South Carolina drivers are speeding and using their phones while driving.


South Carolina car insurance rates by city

We also analyzed South Carolina car insurance premiums reported by EverQuote users in various cities. Drivers in Rock Hill pay the lowest rates among the cities we looked at.

City Average monthly premium
Rock Hill $125
Myrtle Beach $131
Anderson $131
Charleston $139
Conway $140
Greenville $141
Spartanburg $143
Summerville $150
Columbia $156
North Charleston $160
Sumter $161
Orangeburg $161
Florence $172.50
Source: EverQuote. See full methodology below.

How to get cheap car insurance in South Carolina

You'll typically get the best prices by comparing quotes and keeping a clean driving record. Having good credit can also be key. Car insurers often use a credit-based score when setting rates, and drivers with poor credit often pay more. 

Other ways to save include:

  • Have your insurance agent review all the available car insurance discounts.
  • If you buy collision and comprehensive insurance, find out from your agent how much you could save by increasing the deductible on them.
  • If you're buying a vehicle, steer away from sports cars and consider the cheapest cars to insure.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated June 1, 2018

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