Car Insurance in South Carolina
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You can see what South Carolina drivers pay, the legal minimum and the lowest-cost insurers.
- $139.This is the monthly average for full coverage.
- 25/50/25.the lowest liability limits.
- 16th out of 51.most expensive state (1st = highest).
Car insurance costs in South Carolina
With full coverage, the average South Carolina driver pays $1,665 each year, or about $139 monthly. Policies with only the legal minimum cost an average of $963 each year. Compared with the US yearly average of $1,613, that figure is 3% more.
| 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).
South Carolina's legal minimum
The law in South Carolina sets 25/50/25 as the least liability coverage. Limits are $25,000 for one person hurt, $50,000 for people hurt in a single crash and $25,000 for damage to someone else's property.
If a driver causes a crash in South Carolina, that driver pays through their liability cover because the state follows at-fault rules.
You must have uninsured motorist cover.
Source: South Carolina Department of Insurance, Automobile Insurance.
Cheapest insurers listed in the South Carolina rate guide
Single female, age 25-65, no violations, average credit, car used to and from work, 25/50/25 liability only. The state's comparison guide lists these yearly premiums.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | USAA | $339 | $28 |
| 2 | USAA | $353 | $29 |
| 3 | Garrison Property and Casualty Insurance Co. | $433 | $36 |
| 4 | GEICO | $438 | $36 |
| 5 | Hartford Accident and Indemnity Co | $498 | $42 |
How many drivers in South Carolina have no insurance?
About 10% of South Carolina drivers were uninsured in 2023, putting the state at the 39th highest share of the 51. If an uninsured driver hits you, your uninsured motorist cover pays your bills.
More car insurance information for South Carolina
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