The Cheapest Car Insurance in South Carolina for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in South Carolina for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in South Carolina isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in South Carolina is $1,611 per year, or about $134 per month, according to NerdWallet’s analysis. Minimum coverage in South Carolina is $601 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in South Carolina at $222 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in South Carolina

$50/month

3.0

NerdWallet rating 

Cheapest for minimum coverage

$19/month

3.0

NerdWallet rating 

Cheapest for young drivers

$102/month

3.0

NerdWallet rating 

Cheapest for drivers with poor credit

$50/month

4.5

NerdWallet rating 

How we chose the cheapest companies in South Carolina

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in South Carolina and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in South Carolina. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in South Carolina for 20-year-olds

Drivers in South Carolina with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American National: $1,226 per year, or about $102 per month.

  2. Travelers: $2,055 per year, or about $171 per month.

  3. Geico: $2,348 per year, or about $196 per month.

  4. Nationwide: $2,928 per year, or about $244 per month.

  5. State Farm: $2,947 per year, or about $246 per month.

Cheapest minimum coverage car insurance in South Carolina for 20-year-olds

Drivers in South Carolina who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. American National: $531 per year, or about $44 per month.

  2. Geico: $824 per year, or about $69 per month.

  3. Travelers: $892 per year, or about $74 per month.

  4. State Farm: $1,130 per year, or about $94 per month.

  5. Allstate: $1,163 per year, or about $97 per month.

Cheapest auto insurance in South Carolina for 20-year-olds with poor credit

Drivers with poor credit in South Carolina should look at the following insurers with the lowest average rates for minimum coverage:

  1. Travelers: $1,416 per year, or about $118 per month.

  2. Geico: $1,457 per year, or about $121 per month.

  3. American National: $1,786 per year, or about $149 per month.

  4. Allstate: $1,820 per year, or about $152 per month.

  5. Nationwide: $2,279 per year, or about $190 per month.

Cheapest auto insurance in South Carolina for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $765 per year, or about $64 per month.

  2. Geico: $969 per year, or about $81 per month.

  3. Travelers: $1,103 per year, or about $92 per month.

  4. State Farm: $1,548 per year, or about $129 per month.

  5. Auto-Owners: $1,747 per year, or about $146 per month.

Cheapest auto insurance in South Carolina for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. American National: $859 per year, or about $72 per month.

  2. Geico: $1,215 per year, or about $101 per month.

  3. Travelers: $1,220 per year, or about $102 per month.

  4. South Carolina Farm Bureau: $1,838 per year, or about $153 per month.

  5. State Farm: $1,860 per year, or about $155 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in South Carolina for 30-year-olds

Drivers in South Carolina with clean driving records may get the lowest rates from these companies:

  1. American National: $628 per year, or about $52 per month.

  2. Geico: $1,262 per year, or about $105 per month.

  3. Nationwide: $1,352 per year, or about $113 per month.

  4. Travelers: $1,358 per year, or about $113 per month.

  5. Allstate: $1,542 per year, or about $128 per month.

Cheapest minimum coverage car insurance in South Carolina for 30-year-olds

Drivers in South Carolina who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $227 per year, or about $19 per month.

  2. Geico: $390 per year, or about $32 per month.

  3. Auto-Owners: $490 per year, or about $41 per month.

  4. Allstate: $509 per year, or about $42 per month.

  5. State Farm: $533 per year, or about $44 per month.

Cheapest auto insurance in South Carolina for 30-year-olds with poor credit

Drivers with poor credit in South Carolina should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $2,049 per year, or about $171 per month.

  2. American National: $2,114 per year, or about $176 per month.

  3. Geico: $2,132 per year, or about $178 per month.

  4. Travelers: $2,277 per year, or about $190 per month.

  5. Allstate: $2,279 per year, or about $190 per month.

Cheapest auto insurance in South Carolina for 30-year-old drivers with one at-fault crash

For drivers in South Carolina with a recent accident, here are the lowest average rate options for full coverage:

  1. American National: $828 per year, or about $69 per month.

  2. Travelers: $1,693 per year, or about $141 per month.

  3. Geico: $1,707 per year, or about $142 per month.

  4. State Farm: $2,034 per year, or about $170 per month.

  5. Auto-Owners: $2,109 per year, or about $176 per month.

Cheapest auto insurance in South Carolina for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American National: $909 per year, or about $76 per month.

  2. Travelers: $1,832 per year, or about $153 per month.

  3. State Farm: $2,311 per year, or about $193 per month.

  4. South Carolina Farm Bureau: $2,340 per year, or about $195 per month.

  5. Geico: $2,405 per year, or about $200 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in South Carolina for 40-year-olds

Drivers in South Carolina with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. American National: $571 per year, or about $48 per month.

  2. Travelers: $1,245 per year, or about $104 per month.

  3. Geico: $1,257 per year, or about $105 per month.

  4. Nationwide: $1,284 per year, or about $107 per month.

  5. Allstate: $1,542 per year, or about $128 per month.

Cheapest minimum coverage car insurance in South Carolina for 40-year-olds

Drivers in South Carolina who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. American National: $217 per year, or about $18 per month.

  2. Geico: $387 per year, or about $32 per month.

  3. Allstate: $509 per year, or about $42 per month.

  4. Auto-Owners: $516 per year, or about $43 per month.

  5. State Farm: $541 per year, or about $45 per month.

Cheapest auto insurance in South Carolina for 40-year-olds with poor credit

Drivers with poor credit in South Carolina can check out the following insurers with the lowest average rates for full coverage:

  1. American National: $1,924 per year, or about $160 per month.

  2. Nationwide: $1,950 per year, or about $162 per month.

  3. Travelers: $2,074 per year, or about $173 per month.

  4. Geico: $2,116 per year, or about $176 per month.

  5. Allstate: $2,279 per year, or about $190 per month.

Cheapest auto insurance in South Carolina for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Carolina, here are the companies with the lowest average rates for full coverage:

  1. American National: $748 per year, or about $62 per month.

  2. Travelers: $1,624 per year, or about $135 per month.

  3. Geico: $1,702 per year, or about $142 per month.

  4. State Farm: $2,001 per year, or about $167 per month.

  5. Nationwide: $2,053 per year, or about $171 per month.

Cheapest auto insurance in South Carolina for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American National: $819 per year, or about $68 per month.

  2. Travelers: $1,758 per year, or about $146 per month.

  3. South Carolina Farm Bureau: $2,137 per year, or about $178 per month.

  4. State Farm: $2,275 per year, or about $190 per month.

  5. Progressive: $2,363 per year, or about $197 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in South Carolina for 50-year-olds

Drivers in South Carolina with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. American National: $551 per year, or about $46 per month.

  2. Geico: $1,180 per year, or about $98 per month.

  3. Nationwide: $1,202 per year, or about $100 per month.

  4. Travelers: $1,228 per year, or about $102 per month.

  5. Encompass: $1,376 per year, or about $115 per month.

Cheapest minimum coverage car insurance in South Carolina for 50-year-olds

Drivers in South Carolina who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. American National: $204 per year, or about $17 per month.

  2. Geico: $365 per year, or about $30 per month.

  3. Allstate: $471 per year, or about $39 per month.

  4. Encompass: $479 per year, or about $40 per month.

  5. Auto-Owners: $488 per year, or about $41 per month.

Cheapest auto insurance in South Carolina for 50-year-olds with poor credit

Drivers with poor credit in South Carolina can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,832 per year, or about $153 per month.

  2. American National: $1,855 per year, or about $155 per month.

  3. Geico: $2,036 per year, or about $170 per month.

  4. Travelers: $2,040 per year, or about $170 per month.

  5. Allstate: $2,070 per year, or about $172 per month.

Cheapest auto insurance in South Carolina for 50-year-old drivers with one at-fault crash

For drivers living in South Carolina with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American National: $719 per year, or about $60 per month.

  2. Travelers: $1,601 per year, or about $133 per month.

  3. Geico: $1,621 per year, or about $135 per month.

  4. Encompass: $1,808 per year, or about $151 per month.

  5. Nationwide: $1,939 per year, or about $162 per month.

Cheapest auto insurance in South Carolina for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American National: $786 per year, or about $66 per month.

  2. Travelers: $1,733 per year, or about $144 per month.

  3. South Carolina Farm Bureau: $2,071 per year, or about $173 per month.

  4. Progressive: $2,203 per year, or about $184 per month.

  5. State Farm: $2,231 per year, or about $186 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in South Carolina for 60-year-olds

Drivers in South Carolina with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $527 per year, or about $44 per month.

  2. Nationwide: $1,142 per year, or about $95 per month.

  3. Travelers: $1,154 per year, or about $96 per month.

  4. Geico: $1,188 per year, or about $99 per month.

  5. Encompass: $1,376 per year, or about $115 per month.

Cheapest minimum coverage car insurance in South Carolina for 60-year-olds

Drivers in South Carolina who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $204 per year, or about $17 per month.

  2. Geico: $371 per year, or about $31 per month.

  3. Encompass: $479 per year, or about $40 per month.

  4. Allstate: $481 per year, or about $40 per month.

  5. Auto-Owners: $488 per year, or about $41 per month.

Cheapest auto insurance in South Carolina for 60-year-olds with poor credit

Drivers with poor credit in South Carolina can look at the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,745 per year, or about $145 per month.

  2. American National: $1,775 per year, or about $148 per month.

  3. Travelers: $1,901 per year, or about $158 per month.

  4. Geico: $2,045 per year, or about $170 per month.

  5. Allstate: $2,080 per year, or about $173 per month.

Cheapest auto insurance in South Carolina for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Carolina, here are the companies with the lowest average rates for full coverage:

  1. American National: $691 per year, or about $58 per month.

  2. Travelers: $1,560 per year, or about $130 per month.

  3. Geico: $1,632 per year, or about $136 per month.

  4. Encompass: $1,808 per year, or about $151 per month.

  5. Nationwide: $1,858 per year, or about $155 per month.

Cheapest auto insurance in South Carolina for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $755 per year, or about $63 per month.

  2. Travelers: $1,690 per year, or about $141 per month.

  3. South Carolina Farm Bureau: $1,919 per year, or about $160 per month.

  4. State Farm: $2,119 per year, or about $177 per month.

  5. Progressive: $2,133 per year, or about $178 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 4 of the 48 driver profiles we examined.

Minimum auto insurance limits required in South Carolina

South Carolina drivers are required to carry liability coverage, uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage coverage (UMPD).

Here are the minimum amounts of insurance coverage needed to drive legally:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

  • $25,000 UMPD per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Although these limits will satisfy legal requirements, it’s wise for most drivers to get more than the bare coverage. The minimum car insurance might not be enough to fully cover accident costs, and the remaining balance would have to come out of your own pocket.

Visit NerdWallet’s guide to car insurance requirements by state for more detail on how coverage works.

Alternative car insurance in South Carolina

Drivers who’ve been denied car insurance on the voluntary market within the past 60 days may qualify for coverage under the Associated Auto Insurers Plan of South Carolina. This option helps drivers who have checkered driving histories, extremely poor credit or other factors preventing them from getting traditional auto coverage.

NerdWallet can make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view rates from top insurers.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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