Average Car Insurance Cost in South Carolina
Numbers refreshed
For South Carolina, NAIC provides averages by coverage and shows where the state ranks nationally.
- Full coverage costs $1,665 each year on average.
- Minimum liability limits are 25/50/25.
- 16th of 51.states for cost. 1st = highest.
South Carolina average cost by coverage
In South Carolina, full coverage costs $1,665 each year on average. The amount stands 3% above the US average of $1,613 each year.
Per insured car, average spending rose by 10.8%, from $1,352 in 2023 to $1,498 in 2024.
| Coverage in South Carolina | Per year | Per month |
|---|---|---|
| Liability | $963 | $80 |
| Collision | $419 | $35 |
| Comprehensive | $282 | $24 |
| Full coverage (all three) | $1,665 | $139 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with South Carolina
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Delaware | 13th | $1,746 | $145 |
| California | 14th | $1,690 | $141 |
| Connecticut | 15th | $1,690 | $141 |
| South Carolina | 16th | $1,665 | $139 |
| Arizona | 17th | $1,647 | $137 |
| Massachusetts | 18th | $1,611 | $134 |
| Mississippi | 19th | $1,542 | $129 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Every age and record is mixed into the averages. The South Carolina calculator adjusts them for yours.
Learn more about car insurance in South Carolina
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