Car Insurance in South Carolina

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TABLE OF CONTENTS
  • How Much is Car Insurance in South Carolina?
  • Real Quotes for Jerry.ai Customers in South Carolina
  • The Cheapest Car Insurance in South Carolina
  • Most Popular Insurance Companies in South Carolina
  • Cost to Insure Different Cars in South Carolina
  • Car Insurance Laws in South Carolina
  • Car Registration Information in South Carolina
Looking for car insurance in South Carolina? Here you’ll find all the information you need on driving a car in The Palmetto State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Columbia or Charleston, Mount Pleasant or Rock Hill — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for South Carolina car insurance.

How Much is Car Insurance in South Carolina?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in South Carolina, here’s what you should know about how much you’ll pay for insurance: On average, drivers in South Carolina pay $2,794.71 each year for car insurance. This means drivers in South Carolina pay 5% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in South Carolina? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in South Carolina, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in South Carolina

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-02-03
  • Honda Pilot Exl
36 year old femaleProgressive$128.67$66.33Preferred
2021-03-04
  • Honda Accord Lx
29 year old femaleNational General$61.83$103.17Basic
2021-01-06
  • Mercury Grand Marquis Ls
  • Mazda B4000
45 year old maleNational General$187$288Standard
2021-01-17
  • Ford Ecosport Se
30 year old femaleProgressive$84.33$97.67Standard
2021-01-21
  • Dodge Avenger Sxt
21 year old maleSafeco$277.45$176.55Standard

The Cheapest Car Insurance in South Carolina

Which companies offer cheap car insurance in South Carolina? Below, we’ve ranked South Carolina car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in South Carolina for Basic Coverage

There’s all kinds of auto insurance you can get in South Carolina, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by South Carolina. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in South Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in South Carolina

Filters
RankCompany nameAvg. Annual Premium
1State Auto$819
2National General$964
3Progressive$1,043
4Nationwide$1,252
5Gainsco$1,368
6Bristol West$2,533

Real Jerry Quotes for Basic Coverage in South Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-02-18
  • Dodge Caliber Sxt
  • Mercury Mountaineer
46 year old femaleProgressive$107.83$406.17
2021-02-26
  • Bmw 550 I
31 year old maleProgressive$61.17$176.83
2021-02-11
  • Dodge Ram 2500 St
22 year old maleProgressive$171.50$168.50
2021-02-02
  • Dodge Ram 1500 Slt
55 year old maleProgressive$63.17$96.83
2021-02-16
  • Chevrolet Impala
27 year old femaleProgressive$57.83$161.49

Average Cheapest Car Insurance for Standard Plans in South Carolina

Most drivers will want more than the basic minimum coverage that South Carolina requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in South Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in South Carolina

Filters
RankCompany nameAvg. Annual Premium
1State Auto$1,590
2Progressive$1,674
3Travelers$1,742
4Nationwide$1,814
5National General$1,845
6Safeco$1,915
7Allstate$2,193

Real Jerry Quotes for Standard Coverage in South Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-20
  • Toyota Prius
  • Subaru Outback 3.6r Limited
75 year old maleTravelers$97.42$58.48
2021-03-29
  • Dodge Durango Crew
31 year old maleNational General$147.83$127.17
2021-03-19
  • Nissan Altima 2.5
  • Chevrolet Malibu Maxx Lt
39 year old femaleProgressive$215.50$104.50
2021-01-08
  • Ford Mustang Gt
  • Honda Pilot Exl
45 year old maleSafeco$104.76$105.24
2021-02-11
  • Ford Fusion Se
21 year old maleSafeco$195.53$114.47

Cheapest Car Insurance in South Carolina for Preferred Coverage

Preferred coverage protects South Carolina drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in South Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in South Carolina

Filters
RankCompany nameAvg. Annual Premium
1Travelers$1,949
2State Auto$1,961
3Progressive$2,026
4National General$2,099
5Nationwide$2,138
6Safeco$2,188

Real Jerry Quotes for Preferred Coverage in South Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-15
  • Ford F150 Supercrew
52 year old femaleProgressive$114.17$207.83
2021-02-26
  • Kia Sorento Ex
39 year old maleProgressive$116.17$83.83
2021-03-08
  • Ford Crown Victoria Police Interceptor
31 year old femaleNationwide$108.71$66.29
2021-02-08
  • Volkswagen Jetta 2.5
31 year old femaleProgressive$151.17$83.83
2021-03-10
  • Chrysler 300 Limited
  • Chevrolet Tahoe C1500
34 year old femaleNational General$209.33$107.34
Insurance companyAverage annual premium in South Carolina
Progressive$2,038.87
National General$2,236.40
State Auto$1,511.27
Travelers$2,313.10
Gainsco$2,695.60
Bristol West$2,336.29
Safeco$2,564.92
Nationwide$1,880.01
Safe Auto$1,036.06

Cost to Insure Different Cars in South Carolina

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for South Carolina drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in South Carolina. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-03-03
  • Buick Regal Cxl
25 year old maleProgressive$160.83$42.17Preferred
2021-03-22
  • Honda Accord Lx
58 year old femaleNational General$121.17$255.83Preferred
2021-01-18
  • Hyundai Accent Gs
45 year old maleNational General$76.17$223.83Basic
2021-02-15
  • Toyota Camry Se
88 year old femaleNationwide$125.97$56.89Preferred
2021-02-06
  • Toyota Highlander Sport
22 year old femaleProgressive$157.67$242.33Basic
2021-01-19
  • Volkswagen Atlas Se
21 year old femaleProgressive$58$132Basic
2021-01-17
  • Honda Pilot Exl
41 year old femaleNational General$79.17$320.83Basic

Car Insurance Laws in South Carolina

Like most other states, South Carolina mandates that drivers carry a minimum amount of coverage for car insurance. Here’s what you should know regarding minimum auto insurance coverage requirements, as well as registration information, in South Carolina.

What Car Insurance is Required by Law in South Carolina?

Registering a car is compulsory in South Carolina, but it’s only possible after having secured car insurance. State law dictates that you must show proof of insurance when requested. You have to have Bodily Injury Liability (BIL), Property Damage Liability (PDL), and Uninsured Motorist Coverage.
Like 37 other states in the nation, South Carolina is a tort state, also known as an at-fault state. What that means is that liability for all the costs associated with a car accident are assigned to the driver found at fault for causing the collision. Personal Injury Protection (PIP) insurance is not required since South Carolina not a no-fault state.
PDL insurance provides compensation for any property damage that happens as a direct result of a collision. The categorization of property damage is vast and can include almost anything aside from injuries, including damage to vehicles other than your own, utility poles and light standards, buildings, and so on. Depending on the terms of your policy, PDL insurance may be able to follow when you’re driving someone else’s motor vehicle or you allow someone else to drive your car.
BIL coverage is like PDL but compensates others involved in the accident for any injuries sustained. Not only are injuries covered, but related costs such as medical visits, medication, lost wages, and ambulance transportation can be paid for through BIL.
Uninsured motorist coverage can protect you in the event an at-fault driver doesn’t have insurance to cover your expenses. If you’re injured or your property is damaged by an uninsured driver, this coverage protects the policyholder themselves.
In South Carolina, if losses exceed the amounts set out in the insurance policy, the other driver can take the at-fault driver to court to try and recoup related costs. For that reason, carrying higher than the minimum auto insurance coverage is strongly advised.

Can You Drive a Car without Insurance in South Carolina?

Drivers in South Carolina who are caught driving without valid proof of insurance suffer severe penalties. You will receive an immediate ticket from law enforcement and could potentially be arrested. Your driver’s license and vehicle registration will be suspended. You will be required to pay a penalty of $5 per day that your car was not insured, up to $200, and you will have to pay a reinstatement fee of up to $550.
To reinstate your driver’s license and registration, you will most likely need to provide proof of financial responsibility. That comes in the form of an SR-22 certificate from your insurer that guarantees you have the minimum insurance required in South Carolina. You’ll need to file an SR-22 for three years at least. Your insurance premiums will assuredly increase too.

What Are the Minimum Car Insurance Requirements in South Carolina?

As you’ll find with virtually all states, drivers with a license in the state of South Carolina are required to carry auto insurance coverage that meets minimum requirements. While that’s excellent protection for you, it also provides protection for other motorists and property owners around you. To legally drive a vehicle in South Carolina, these minimum coverage amounts must be part of your policy.
Minimum Insurance Requirements in South Carolina
  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability per accident: $25,000
  • Uninsured motorist coverage: equal to minimum amounts of liability coverage

Car Registration Information in South Carolina

Once you’ve insured your vehicle with a carrier licensed to do business in South Carolina, you can register your vehicle so it can be legally driven. Once you move to the state, you have 45 days to register your vehicle. A temporary permit can be taken out from the DMV for $5. Late registration fees range from $10 to $75.
When you complete your registration, you’ll be assigned a license plate for your car with its specific vehicle identification number (VIN) that must be fastened to the rear of your car and visible at all times. Initial registration fees must be paid at the time of initial registration to the South Carolina DMV and new registrations have to be completed in person or by mail.
In addition to annual fees, a one-time Infrastructure Maintenance Fee of 5% of the purchase price up to $500 is required for new cars, and there’s a $250 IMF for new residents registering their vehicle for the first time in the state.
South Carolina offers more flexibility with registration renewals. You can renew online in many counties. Otherwise, renewals can be completed by mailing in the renewal forms and payment to SC DMV offices. Renewals, which are valid for two years, are $40.
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