Cheapest Car Insurance in South Carolina
Numbers refreshed
Where South Carolina publishes prices, insurers are ranked by them. You also get tips on lowering your own bill.
- $80.That's the average monthly price of the legal minimum.
- 25/50/25.the minimum liability limits.
- In 51 states, this one ranks 16th for cost (1st = highest).
For an adult with a clean record, the lowest rates in South Carolina
The state prices this profile: a single woman, age 25-65, no violations, average credit, a car driven to and from work, and 25/50/25 liability coverage only.
| 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 |
| 6 | General Automobile Insurance Company, Inc., the | $534 | $44 |
| 7 | National General Insurance Company | $561 | $47 |
| 8 | USAA | $574 | $48 |
| 9 | Bristol West Insurance Company | $600 | $50 |
| 10 | Farmers Insurance | $662 | $55 |
Lowest rates in South Carolina for a young driver
The state prices this profile: a single woman, age 66 & older, no violations, average credit, a car driven to and from work, and 25/50/25 liability coverage only.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | GEICO | $294 | $24 |
| 2 | USAA | $333 | $28 |
| 3 | USAA | $346 | $29 |
| 4 | Hartford Underwriters Insurance Company | $415 | $35 |
| 5 | Garrison Property and Casualty Insurance Co. | $425 | $35 |
| 6 | Hartford Accident and Indemnity Co | $463 | $39 |
| 7 | Trumbull Insurance Company | $481 | $40 |
| 8 | General Automobile Insurance Company, Inc., the | $483 | $40 |
| 9 | USAA | $518 | $43 |
| 10 | National General Insurance Company | $588 | $49 |
Cheapest in South Carolina when you've had an accident
The state prices this profile: a single female, age 25-65, average credit, 1 at-fault accident, car used to and from work, and 25/50/25 liability only.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | USAA | $432 | $36 |
| 2 | USAA | $450 | $38 |
| 3 | GEICO | $517 | $43 |
| 4 | Garrison Property and Casualty Insurance Co. | $600 | $50 |
| 5 | General Automobile Insurance Company, Inc., the | $720 | $60 |
| 6 | USAA | $761 | $63 |
| 7 | Bristol West Insurance Company | $866 | $72 |
| 8 | National General Insurance Company | $876 | $73 |
| 9 | Nationwide | $940 | $78 |
| 10 | Farmers Insurance | $972 | $81 |
Ways to spend less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $702 a year on the South Carolina average.
- Raise your deductible; what you save each year often beats the extra amount one claim would add.
- Ask for each discount by name: good student, multi-car, paying in full, bundling home and auto, and safe-driving apps.
- Check prices again at every renewal. Your rate going up doesn't mean other companies' rates went up too.
More about car insurance in South Carolina
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