Car Insurance in South Carolina

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Looking for cheap car insurance in South Carolina?

South Carolina is one of only two states that don’t require drivers to purchase car insurance, but it isn’t advisable. You could be left on the hook for some hefty out-of-pocket costs if you get into an accident.
Whether you live in Islandton or Greenville, car insurance costs in the Palmetto State tend to run high because of the above-average percentage of drivers out on the road. And drivers in South Carolina have the option of paying a $550 uninsured motorist fee—which can lead to steep insurance premiums.
Thankfully, using a smart insurance shopping app like Jerry can help you find the most affordable rates fast. Jerry customers save an average of $879 a year on their policy.
Jerry will automatically generate an extensive list of quotes from top providers in under a minute—and all you have to do is take your pick. Jerry takes care of making the switch and canceling your old policy, so you get all of the savings and coverage with none of the usual hassles.
Here are some real quotes from customers in South Carolina who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
September 22, 2021Hyundai Sonata SESpartanburg25National General$298/mo.$92/mo.
May 3, 2021Chrysler 200 LimitedLadson26Progressive$179/mo.$126/mo.
February 7, 2021Buick Lacrosse CXConway47State Auto$193/mo.$128/mo.
June 9, 2021Toyota T100 XtracabGoose Creek34Progressive$249/mo.$161/mo.
August 21, 2021Buick Lesabre CustomSumter23Progressive$300/mo.$225/mo.
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How much does car insurance cost in South Carolina?

The average cost of liability-only car insurance in South Carolina is $2,331 per year. If you prefer to buy full-coverage car insurance in South Carolina, you can expect to pay an average cost of $2,793 per year.

How does the cost of car insurance in South Carolina compare to the rest of the country?

Compared to nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
What impacts South Carolina car insurance rates? Here’s what to consider:
  • Uninsured drivers: Uninsured drivers may drive in South Carolina if they pay a $550 uninsured motorist fee, so you are more likely to be involved in a crash with an uninsured driver compared to other states.
  • Severe weather: South Carolina is prone to hurricanes, flooding, tornadoes, and severe thunderstorms, which can hike up insurance premiums.
  • Auto theft: South Carolina has seen an increase in car insurance rates, particularly in cities.
Here’s how South Carolina’s insurance premiums stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
SC$2,572$1,664$2,389$1,387$3,238$2,133
National Average$2,491$1,672$2,359$1,390$2,763$1,962
SCNational Average
All Coverage Before Jerry
$2,572$2,491
All Coverage After Jerry
$1,664$1,672
Minimum Coverage Before Jerry
$2,389$2,359
Minimum Coverage After Jerry
$1,387$1,390
Full Coverage Before Jerry
$3,238$2,763
Full Coverage After Jerry
$2,133$1,962
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Top auto insurance providers in South Carolina

There are plenty of insurance companies to choose from in South Carolina. Local companies and national favorites like Nationwide and State Auto are some of the great options available.
It can be tough to settle on an insurer, especially as each provider will have unique standards when deciding premiums. You could go to five companies with the exact same policy and receive five drastically different quotes.
Factors such as your age, driving record, location, and the car you drive are all considered by insurance companies. Driving and insuring a BMW 230Xi, for example, will cost more than a Mazda 3 S as pricier cars cost more to insure.
Jerry has helped customers in South Carolina find great deals with popular insurance carriers:
Insurance Company
Average Cost
Annual Savings with Jerry
Nationwide$3,691$1,583Compare Prices
Safeco$3,769$1,360Compare Prices
National General$3,678$1,297Compare Prices
Travelers$3,267$1,169Compare Prices
Allstate$3,046$932Compare Prices
Dairyland$2,004$912Compare Prices
State Auto$3,051$890Compare Prices
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What car insurance do you need in South Carolina?

Drivers in South Carolina should purchase at least the following insurance before they can hit the road:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others.
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property.
Uninsured motorist coverageEqual to minimum amounts of liability coverageReimburses you for your expenses stemming from an accident caused by an uninsured driver.
If you’re pulled over and do not have minimum insurance, it could result in some serious repercussions:
  • Fines of up to $200.
  • Suspension of your driver’s license.
  • A possible jail sentence of up to 30 days.
  • A reinstatement fee of $200.
While minimum insurance is a must in South Carolina, it won’t protect you and your vehicle under all circumstances. If you can afford to purchase more coverage, then you should.
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
When you’re ready to get insurance, using Jerry will guarantee the most affordable rates for you.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be.
Jerry contacts your insurance company to get the details of your current coverage so you don’t have to scale a mountain of questions. You get all the best prices and coverage with none of the legwork. And if that company isn’t for you, Jerry helps cancel your old policy.
The average Jerry user saves hundreds of dollars on insurance annually!
Now that you know what insurance is needed in South Carolina, let’s look at what might impact costs.

How is your cost of car insurance determined in South Carolina?

Insurance carriers take into account a number of factors, including age, driving history, and type of vehicle before determining rates.

Cost to insure your car in South Carolina by age

In South Carolina, a teenage driver is involved in a collision that kills or injures someone every 1.4 hours. Distracted driving, speeding, and non-use of seatbelts often play a role in these incidents.
This added risk is why insurers charge higher premiums to young drivers.
What young drivers in South Carolina need to know
  • South Carolina’s drivers license program allows drivers to earn full driving privileges at the age of 17 or if you kept a Conditional license for one year with no traffic violations.
  • You can complete an approved defensive driving course to lower your insurance rates.
  • If you maintain a B average, you may qualify for a good student discount.
If you’re a young driver, be sure to shop around for quotes and maintain a clean driving record to keep rates as low as possible.
Jerry, luckily, is there to help young drivers find affordable insurance rates. Here are the prices offered to drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,139$892
21-24$2,899$994
25-34$2,719$922
35-44$2,654$1,000
45-54$2,668$1,053
55-64$2,365$906
65+$2,572$1,045
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Cost to insure your car in South Carolina with a poor driving record

Having a bad driving record can severely impact your car insurance premiums. If you’ve been involved in an accident, received a speeding ticket, or had any other major driving offenses, you’ll probably end up paying more for your insurance.
These violations often remain on your record for at least five years, during which time you’re considered a high-risk driver by insurance companies. They raise their rates to compensate for this increased risk.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Here are some of the affordable rates that drivers with poor driving records have gotten after shopping with Jerry:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,275$1,199
DUI$5,027$2,218
Speeding over 15$4,003$1,710
Driving on Sus. License$4,230$1,503
Leaving scene of an Accident/Hit and Run$3,257$1,435
Failure to Obey Traffic Sign$3,981$1,392
Speeding under 15$3,918$1,353
Defective Equipment$2,762$1,313
Careless Driving$3,956$1,254
Improper Passing$3,799$987
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Cost to insure your car in South Carolina based on where you live

Insurance rates in South Carolina tend to hover around the national average, but this can change depending on where you live in the state.
Residents of cities like Columbia are going to have pricier insurance due to more traffic, more accidents, and DUI rates. But residents of the less populated Rock Hill tend to have insurance rates below the state average.
In fact, drivers who don’t want to purchase insurance can pay the state a $550 uninsured motorist fee to drive without it. Two key things prevent them from being lower: high minimum insurance requirements and a high percentage of uninsured drivers.
You can save money no matter the city in South Carolina thanks to Jerry:
City
Average Cost
Annual Savings with Jerry
Charleston$2,659$1,015
Columbia$2,794$912
Conway$2,860$1,098
Greenville$2,660$857
Myrtle Beach$2,344$822
North Charleston$2,804$1,099
Rock Hill$2,593$963
Spartanburg$3,069$1,144
Summerville$2,886$948
Sumter$2,681$964
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Cost to insure your car in South Carolina based on the type of car you drive

The type of car you drive also factors into your premiums. Most expensive cars will cost more to insure simply because they’re pricier to fix.
Southern folks love their pickups, so it’s no surprise that the Ford F-150 tops the list of popular vehicles in South Carolina—it’s also one of the top 10 most affordable vehicles to insure. But its more expensive counterpart, the Ford 350 Super Duty, will also be more expensive to insure.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Nissan Altima 2.5$3,106$1,218
Chevrolet Tahoe K1500$2,949$1,165
Ford Ranger$2,124$1,010
Honda Accord LX$2,526$1,003
Toyota T100 Xtracab$2,988$783
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How to save money on car insurance in South Carolina

There are a number of ways to save on car insurance rates in South Carolina!

Shop around for quotes

The easiest way to know whether or not you’ve got the best car insurance premiums is by comparison shopping.
But if you’ve ever filled out car insurance forms, then you know how time-consuming and complicated it can be. Fortunately, Jerry is there to save you time and stress.
It’s this simple: download the Jerry app. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from 50+ top insurance companies and Jerry takes care of the rest—securing your new policy and helping you cancel your old one. No long forms. No calling around. No hard work.
And the best part? The average Jerry user saves $879 on car insurance annually—and so can you!

Look for discounts

A great way to save money on car insurance is by searching for discounts. The majority of providers offer them, so be sure to reach out to your insurance agent and see what’s available for you.
Here are some to keep an eye out for:
Discount typeWho is eligible?
Multi-vehicle discountIf you insure more than one vehicle on the same policy, many insurance companies offer a discount of up to 20%.
Good student discountFull-time students ages 16–24 who maintain an average of at least a B may be eligible for savings on their car insurance premium.
Safe driver discountMaintaining an accident-free record for a certain period of time (often 5 years) can help you secure discounted premiums from your insurer.
Payment discountsSigning up for automatic payments may qualify you for a one-time discount from your insurance company. Discounts may also be available for paperless billing.
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Insurance providers in South Carolina may offer discounts for being married, homeownership, and membership with certain organizations.

Increase your deductible

By raising your deductible, you can save money on your monthly payments. Your deductible is the out-of-pocket amount you must pay when you have to make a claim.
You might have to pay more upfront, even if you end up saving more monthly. Be sure you are able to pay your full deductible each time you need to make a claim.

Registering your car in South Carolina

If you want to register a car in South Carolina, you need the following:
  • A driver’s license or ID card
  • A car title or signed lease agreement
  • Vehicle application
  • Odometer reading
  • Smog check
  • Proof of insurance
  • Payment and fees
You’ll have to head to the DMV to register your vehicle, so it’s a good idea to make an appointment beforehand so you’re not stuck waiting. Once there, you’ll need to file paperwork with vehicle and personal information with your registration.
Drivers in South Carolina must renew their license every two years.

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