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Cheapest car insurance in Saint George, South Carolina (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Saint George, South Carolina.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in Saint George

In Saint George, the average
auto insurance
policy costs about $126 per month for minimum coverage liability insurance, and about $253 per month for full coverage insurance. Saint George drivers pay 9% less than the
South Carolina
average.  
To find the best
car insurance
rate in Saint George, South Carolina,
shop around
and compare quotes from multiple insurers.
Jerry
takes pride in providing thousands of South Carolina drivers with a fast and seamless insurance shopping experience—including cross-company quote comparisons.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$148
Harold, 38
Zip: 29477
Dodge RAM 1500 ST
• State Minimum Liability
National General
$206
Linnie, 38
Zip: 29477
Honda Accord EX
• State Minimum Liability
Gainsco
$268
Barbara, 33
Zip: 29477
KIA K5 LXS
• State Minimum Liability
Assurance America
$177
Matthew, 33
Zip: 29477
Toyota Camry CE
• State Minimum Liability
coverageLast Updated Jul 15, 2024

Best car insurance companies in Saint George

Jerry administered the largest insurance shopping survey in the United States. 
While State Farm is one of the biggest insurers across the country, policyholders in South Carolina aren’t so impressed. They gave State Farm just 3.2/5 for price and gave an overall rating of 3.6/5. On the other hand, customers rated Auto Owners, State Auto, ROOT, and Travelers highly, giving them high marks for price, customer service, claims process, and overall satisfaction. 
Here’s how Saint George drivers ranked different insurance providers on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
4.2
4.3
Geico
4
3
4
4.3
State Farm
3.9
3.4
3.2
3.9
USAA
3.8
3.5
N/A
4
Liberty Mutual
3.5
2.7
N/A
3.3
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Saint George

If you’re planning to drive in Saint George, you’ll need insurance that meets the state-mandated limits. Opting for minimum coverage not only helps you comply with the law, but it also offers the cheapest monthly payments. 
Although drivers are only required to carry minimum liability coverage, it’s often insufficient. Purchasing a full coverage policy provides greater financial protection by helping to cover costs associated with an accident, whether at fault or not.

Cheap minimum liability insurance quotes in Saint George

South Carolina insurance follows a 25/50/25 rule for minimum liability coverage. Drivers in South Carolina must have a minimum of:
Jerry has helped lots of South Carolina drivers fulfill the state’s minimum car insurance requirements.
card cover
Harold (38 years old)
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
carDodge RAM 1500 ST
$148
per month
card cover
Gainsco
Georgie (23 years old)
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
carDodge RAM 1500
$195
per month
card cover
Matthew (33 years old)
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
$177
per month

Do you need more than minimum coverage in Saint George?

Whether you opt for higher liability limits or purchase full coverage insurance, most drivers require extra protection.
South Carolina is an at-fault state, so in the event of an accident, you could be responsible for vehicle repairs and medical expenses well beyond your minimum coverage. Serious injuries to another person or extreme vehicle damage can incur costs of $50,000 or more—and you’ll be on the hook for paying anything over your policy limits.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you’ll have to pay for your own medical expenses and vehicle damage.
The bottom line: Look into full coverage or opt for 50/100/50 or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Saint George

When it comes to repairing or replacing your vehicle after an accident, full coverage car insurance is the only way to ensure financial protection.
Comprehensive
and
collision coverage
make up a full coverage car insurance policy. 
  • Collision coverage takes care of the repair or replacement expenses if your vehicle is damaged from an accident with another vehicle or object
  • Comprehensive coverage helps cover the cost of repair or replacement if your vehicle is stolen or damaged due to non-collision incidents.
If you lease or finance your vehicle, your lender will likely require you to have collision and/or comprehensive.
Drivers in Saint George have found affordable full-coverage insurance policies with Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$281
Evan, 32
Zip: 29477
KIA K5 LXS
• 50,000/100,000 Liability
• Comp / Collision
National General
$186
Lucille, 42
Zip: 29477
Jeep Liberty Sport
coverageLast Updated Jul 12, 2024
With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with licensed insurance agents and end-to-end customer service, no questions will go unanswered.
Lower my car insurance too!

Average cost of car insurance in Saint George

After analyzing scores of insurance providers in Saint George, we discovered that the average price for minimum liability coverage amounts to be $126 per month or $1,510 per year. Additionally, residents of Saint George can expect to pay an average of $253 per month or $3,032 per year for full coverage insurance.

Car insurance quotes in Saint George by rating factors 

Insurance companies in Saint George use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Saint George?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): South Carolina currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Saint George:

Cheap car insurance quotes in Saint George after driving violations

Your
South Carolina driving record
plays a huge part in your insurance rate. Insurance providers use your history of violations and accidents to depict your level of riskiness. High-risk drivers with more serious infractions typically face the highest rates.
 Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Saint George after speeding ticket

Your rates may not always go up for a minor
speeding ticket
, but if you were going well above the speed limit or you receive multiple speeding tickets in a short time, you can expect to see a premium hike.
Jerry has helped drivers find cheap auto insurance in Columbia, SC even after they’ve gotten a speeding ticket.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Nationwide
$44
Bobby, 38
Zip: 29477
Hummer H2
• 100,000/300,000 Liability
Speeding 6-10
Safeco
$60
Willie, 30
Zip: 29477
Cadillac SRX
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

Cheapest car insurance in Saint George after DUI

If you have received a
DUI in South Carolina
, you may still be able to find affordable car insurance by shopping for rates with companies that specialize in providing coverage to high-risk drivers. 
card cover
Brent (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$54
per month
card cover
Sam (38 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$70
per month

Cheapest car insurance in Saint George after an at-fault accident

Your
car accident
or claims history can impact your car insurance rates and it typically takes a while for your premiums to return to normal after a violation.
Insurance providers assess your history of accidents with a special focus on your at-fault collisions . High-risk drivers with more than one at-fault accident will generally see the sharpest rate increase—though having
accident forgiveness
on your policy can help prevent a surcharge after your first at-fault collision.
Jerry has helped Saint George drivers with an accident on their record find affordable insurance.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$148
Arthur, 38
Zip: 29477
Dodge RAM 1500 ST
• State Minimum Liability
Not At Fault
Gainsco
$268
Mae, 33
Zip: 29477
KIA K5 LXS
• State Minimum Liability
At Fault With No Injury
National General
$187
Helena, 33
Zip: 29477
Toyota Camry CE
• State Minimum Liability
coverageLast Updated Jul 15, 2024

Cheapest car insurance in Saint George after other driving violations

Reckless driving, driving on a suspended license, and
driving without insurance
can all lead to higher insurance rates.
Jerry is there to help drivers find good insurance rates—even with a poor driving record.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Safeco
$57
Lawrence, 38
Zip: 29477
Suzuki SX4
• 50,000/100,000 Liability
• Comp / Collision
Defective Equipment
Nationwide
$71
Joe, 37
Zip: 29477
Saturn L300
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 14, 2024

Cheap car insurance quotes in Saint George by age

Car insurance rates remain steady for experienced drivers over 25 with clean records, but premiums can begin to rise again for seniors in their mid-70s.

Cheapest car insurance in Saint George after DUI

If you have received a
DUI in South Carolina
, you may still be able to find affordable car insurance by shopping for rates with companies that specialize in providing coverage to high-risk drivers. 
card cover
Brent (30 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$54
per month
card cover
Sam (38 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$70
per month

Cheapest car insurance in Saint George for senior drivers

Senior drivers
are a higher risk due to susceptibility to injury and mortality resulting from an accident. They also have slower reflexes that increase the risk of car crashes. 
Due to the added risk of financial liability, drivers face higher rates once they reach their mid-70s.
card cover
Curtis (75 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$78
per month
card cover
Lewis (75 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$67
per month

Cheap car insurance quotes in Saint George based on insurance history

Insurance history is a significant rating factor. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Adrian (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
carDodge RAM 1500 ST
$148
per month
card cover
Ruby (42 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$190
per month
card cover
Gainsco
Mae (33 years old)
Currently Insured
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
$268
per month
card cover
Jayden (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationSaint George, SC
(Zip Code: 29477)
$206
per month
card cover
Lester (42 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSaint George, SC
(Zip Code: 29477)
$190
per month

Cheap car insurance quotes in for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$148
Derrick, 38
Zip: 29477
Dodge RAM 1500 ST
• State Minimum Liability
coverageLast Updated Jul 11, 2024

How to lower car insurance costs in Saint George

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Oftentimes, if you have a B average or better, you probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Saint George?

People living in Saint George pay on average $126 per month – or $1,510 per year – on state-minimum liability coverage. Full coverage in Saint George costs on average $253 per month or $3,032 per year.
But an average can’t tell you exactly how much you’ll pay. That’s why it’s important to compare rates with Jerry.

What is the cheapest car insurance in Saint George?

Based on thousands of Saint George drivers Jerry has worked with, car insurance in Saint George costs an average of $126 per month for state-minimum coverage and $253 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes with Jerry, you can find the cheapest company for you.

What is the best car insurance in Saint George?

AAA
Progressive
, and 
Nationwide
 receive good ratings from Saint George drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Saint George, South Carolina?

The state-minimum car insurance in Saint George, South Carolina is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.