$25/mo
$31/mo
$37/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in South Carolina pays on an average of $829 for six months for car insurance, which is more than the national average. American National offers cheap and the best rates in South Carolina.
American National offers the cheapest liability coverage in South Carolina at $25/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in South Carolina ↓
American National P&C provides cheap full insurance coverage in South Carolina at $58/month, offering excellent value.
Read about the cheapest full coverage companies in South Carolina ↓
American National is the cheapest option after an at-fault accident in South Carolina at $32 per month.
Read more about best car insurance companies after at-fault accident in South Carolina ↓
American National P&C was named the best overall by J.D. Power and AM Best, making it a top pick among South Carolina’s best car insurers.
Check out the full list of the best car insurance companies in South Carolina ↓For drivers looking to meet South Carolina minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in South Carolina is widely available from providers like American National at $25/month. If you opt for Nationwide you will have to pay at least $115/month for your car insurance premium, which is the highest in South Carolina.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $149 | $25 |
| American National P&C | $184 | $31 |
| Encompass | $220 | $37 |
| USAA | $226 | $38 |
| South Carolina Farm Bureau | $238 | $40 |
| Auto-Owners Insurance Co | $267 | $45 |
| American Family | $327 | $56 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis American National P&C offers the cheapest car insurance for full coverage in South Carolina at $58 per month. On the other hand Nationwide offers the most expensive rate at $225 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $339 | $58 |
| South Carolina Farm Bureau | $440 | $73 |
| American National | $487 | $82 |
| Auto-Owners Insurance Co | $505 | $84 |
| American Family | $766 | $130 |
| Encompass | $790 | $132 |
| USAA | $873 | $147 |
Get Your Car Insurance Quote in South Carolina Instantly!
American National P&C stands out as the best car insurance provider in South Carolina, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, South Carolina Farm Bureau is a top pick for drivers seeking value and reliability.
American National P&C offers a six-month premium of $261, which amounts to approximately $44 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of South Carolina Farm Bureau is $339, which is higher than American National P&C's by $78. Their higher monthly premium is, due to their strict policies on traffic violations.
Auto-Owners Insurance Co's premium is $386, which is significantly more expensive than South Carolina Farm Bureau's by $47. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $261 | $44 |
| South Carolina Farm Bureau | $339 | $58 |
| Auto-Owners Insurance Co | $386 | $64 |
| Travelers | $529 | $90 |
| American Family | $546 | $91 |
| Progressive | $748 | $126 |
| Auto-Owners | $760 | $127 |
Teens and young drivers in South Carolina often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in South Carolina is
$1536 for 6 months, which is less than the national average.
American National P&C is the best options for cheap
car insurance for young drivers in South Carolina.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $214 | $36 |
| South Carolina Farm Bureau | $309 | $53 |
| Auto-Owners Insurance Co | $339 | $56 |
| American Family | $368 | $63 |
| Travelers | $1503 | $253 |
| Farm Bureau | $1776 | $302 |
| USAA | $1847 | $311 |
Car insurance rates in South Carolina have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Carolina rose by $195 in Jan compared to $174 of Dec. In other words, there has been an increase by $21 when you compare Jan and Dec.
The average cost of liability insurance in the South Carolina rose to $60 in Jan, compared to $58 in Dec. This represents an increase of $2 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that American National gives you the cheapest car insurance rate after an at-fault accident in South Carolina at $32/month. On the other hand Nationwide is the most expensive option at $330/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $190 | $32 |
| American National P&C | $244 | $41 |
| Encompass | $273 | $46 |
| South Carolina Farm Bureau | $303 | $52 |
| American Family | $339 | $56 |
| Auto-Owners Insurance Co | $386 | $66 |
| Auto-Owners | $802 | $135 |
If you are living in South Carolina you should opt for American National P&C. American National P&C ranks as number 1 across various factors like customer satisfaction, claims and rates.
In South Carolina, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
South Carolina may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in South Carolina after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1200 | $200 |
| One Med/PIP claim | $1200 | $204 |
| Not-at-fault accident | $1265 | $211 |
| Two Med/PIP claims | $1277 | $217 |
| One comp claim | $1283 | $214 |
| Two comp claims | $1325 | $225 |
| Failure to wear a seat belt | $1372 | $229 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in South Carolina is American National P&C at $46 per month. American National at $39 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $273 | $46 |
| American Family | $285 | $48 |
| South Carolina Farm Bureau | $291 | $49 |
| Auto-Owners Insurance Co | $606 | $103 |
| Farm Bureau | $843 | $142 |
| Travelers | $927 | $156 |
| USAA | $980 | $165 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Walhalla | $998 | $170 |
| Salem | $1004 | $167 |
| Newry | $1010 | $172 |
| Seneca | $1010 | $168 |
| West Union | $1010 | $172 |
| Westminster | $1010 | $168 |
| Utica | $1016 | $173 |
| Central | $1022 | $170 |
| Mountain Rest | $1022 | $174 |
| Tamassee | $1022 | $170 |
| Long Creek | $1028 | $175 |
| Clemson | $1034 | $172 |
