Car Insurance in South Carolina
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South Carolina Car Insurance Quotes
Auto insurance in South Carolina averages $172 per month, which is below the national average of $189 per month. As a coastal state, South Carolina experiences a large number of tropical storms and hurricanes each year, affecting insurance premiums.
Read on to learn more about properly insuring your car in South Carolina.
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South Carolina Car Insurance Laws
If you're driving Carolina back roads with the radio up and windows down, insurance may be the last thing on your mind. Still, in South Carolina, it's illegal to drive a motor vehicle without proper proof of mandatory insurance. South Carolina car insurance law mandates that all drivers carry up-to-date liability auto insurance, including coverage for property damage and uninsured drivers.
South Carolina’s car insurance minimums are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per person for property
In South Carolina, insurers are legally required to offer you underinsured driver insurance, but you are not required to accept this additional coverage.
Cheapest Insurance in South Carolina
A variety of factors influence the cost of car insurance, including the driver's personal information, car model, coverage type, and available discounts. EverQuote takes these into account when calculating the price of car coverage to determine the most accurate premiums.
We partner with insurance experts to analyze millions of data points and get you the best car insurance in South Carolina.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Nationwide | $106 |
| 2 | USAA | $115 |
| 3 | SGeico | $123 |
| 4 | Travelers | $128 |
| 5 | Auto Owners | $129 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
“ Uninsured drivers are looking at a suspension of their license and registration until they provide proof of coverage ”
Failure to provide proof of insurance in South Carolina can result in fines, suspended licenses, or even jail time. If convicted, uninsured drivers are looking at a suspension of their license and registration until they provide proof of coverage and a $600 uninsured motorist fee. If you buy a new car, you have a 30-day grace period to add it to your existing policy. Additionally, if you live in coastal areas like Myrtle Beach, Beaufort, or Charleston, you may want to check into additional coverage in the event of flooding or hurricanes.
Frequently Asked Questions
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How much will I save switching insurance providers in South Carolina?
🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.