Who has the best car insurance rates in South Carolina?

In South Carolina, State Farm offered the cheapest rates for drivers with a minimum coverage rate of $576. On the other hand, drivers with a full coverage policy found the best rates from GEICO at a rate of $1,485.
Cheapest for minimum liability
Cheapest for full coverage
Cheapest for accident history
Cheapest for young drivers
Across South Carolina, we found that average rates for our profiled drivers fluctuated by nearly $1,000 for a minimum coverage policy. The policy varies by auto insurance company, which is why it's imperative that you compare rates from multiple insurers.
South Carolina's best auto insurance companies
Cheapest car insurance by South Carolina city
Minimum auto insurance requirements in South Carolina
Cheapest auto insurance in South Carolina: GEICO
In South Carolina, the cheapest companies forminimum liability auto insurance — a policy with the lowest amount of coverage required by state law — are GEICO, State Farm and Allstate.
However, if you're a veteran or active service member or their family member, you should definitely get a quote from USAA. Other drivers won't be eligible, but we found it was the cheapest company in the state, with an average annual premium of $485.
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Policies that only include the state minimum auto insurance coverages are called minimum liability coverage. These policies are the cheapest way to cover your vehicle, though they may not have adequate limits to protect your assets.
The minimum policy does not include comprehensive or collision coverage. Therefore, you will be stuck paying for repairs to your own vehicle if you cause an accident or if your car is damaged by extreme weather.
Cars that are less than 10 years old or worth more than $3,000 should have additional coverage to protect you from paying outstanding out-of-pocket expenses.
Rank Company Average Annual Rate
1 GEICO $576
2 State Farm $577
3 Allstate $821
4 Farm Bureau $851
5 Progressive $891
6 Auto-Owners Insurance Co. $1,279
7 Travelers $1,466
8 Nationwide $1,507
N/A USAA $485
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest company for full coverage: GEICO
For inexpensive full-coverage auto insurance, GEICO is the best choice for South Carolina drivers. This company offered the cheapest quotes to our profile driver, with an average rate of $1,485. A GEICO full-coverage policy is nearly half the cost of an identical policy with Allstate, the state’s most expensive insurance company.
Insurer Annual Cost Monthly Cost
GEICO $1,485 $124
State Farm $1,625 $135
Auto-Owners Insurance $1,869 $156
South Carolina average $2,071 $173
Full-coverage auto insurance policies include both third-party coverage, which pays for damage you may cause in an accident, as well as first-party coverage, which pays to repair or replace your own car.
If your car is worth more than a few thousand dollars, these policies can help you avoid costly repairs after an accident.
Cheap car insurance for drivers with prior incidents
Any driver with a history of traffic violations or accidents knows that their auto insurance rates increase drastically as a result. South Carolina drivers with this background will often have a difficult time finding cheap insurance premiums.
To make the process easier, ValuePenguin analyzed insurance rates from multiple companies to assess which would be best for your situation:
Cheapest for drivers with an accident: State Farm
Cheapest for drivers with a speeding ticket: GEICO
Cheapest for drivers with a DUI: State Farm
Cheapest for drivers with bad credit: GEICO
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Cheapest for drivers with an accident: State Farm
South Carolina drivers who have been in an accident will find the best rates with State Farm, according to our research. Choosing this company could save you 54% on full coverage auto insurance premiums, compared to the statewide average of $3,023 per year.
For an alternative to State Farm, we recommend you check out GEICO, which is, on average, $210 more expensive than State Farm.
Insurer Annual Cost Monthly Cost
State Farm $1,959 $163
GEICO $2,169 $181
SC Farm Bureau $2,601 $217
South Carolina average $3,023 $252
After an accident, you can find yourself spending $333 to $2,490 more annually on insurance, depending on who you're insured under. Cost differences like these are why we highly suggest you compare rates at multiple companies to make the best educated decision.
Cheapest car insurance for people with a speeding ticket: GEICO
GEICO and State Farm offer the best rates for drivers caught speeding. Both are widely available and have an annual premium average under $2,000.
Your insurer will likely take into consideration if you got a speeding ticket recently. Having a speeding ticket on your record increases insurance premiums by an average of $420.
Insurer Annual Cost Monthly Cost
GEICO $1,485 $124
State Farm $1,759 $147
Auto-Owners Insurance $2,217 $185
South Carolina average $2,491 $208
Cheapest car insurance for drivers with a DUI: State Farm
The insurer that offers the most affordable rates for drivers with a DUI is State Farm, which charges an average of $1,759 annually.
Given the seriousness of DUIs, it's no surprise that drivers will face several repercussions if they are caught driving under the influence. Many of those consequences are financial. Drivers charged with a DUI pay $1,190 more annually than drivers with a clean record.
Insurer Annual Cost Monthly Cost
State Farm $1,759 $147
SC Farm Bureau $2,404 $200
Progressive $2,999 $250
South Carolina average $3,260 $272
Cheapest car insurance for drivers with poor credit: GEICO
South Carolina drivers with poor credit can find the cheapest auto insurance rates through GEICO and State Farm, which offer premiums below the state average for a driver of this profile.
Insurers use credit as an assessment of a driver's "riskiness." There is a statistical correlation between poor credit and the likelihood of filing a claim.
Insurer Annual Cost Monthly Cost
GEICO $2,204 $184
State Farm $2,460 $205
Travelers $2,760 $230
South Carolina average $2,826 $235
Cheapest car insurance for married drivers: GEICO
On average, married drivers tend to pay a slightly lower premium than single drivers. Married drivers can find the best premium rates from GEICO and Travelers, which are around the same price range.
Our sample married driver received an average quote of $1,915 while our single driver was charged $2,071 on average — a $156 difference.
Insurer Annual Cost Monthly Cost
GEICO $1,424 $119
Travelers $1,466 $122
State Farm $1,625 $135
South Carolina average $1,915 $160
Cheapest car insurance for young drivers: SC Farm Bureau
Young drivers can find the most affordable rates for their age group through SC Farm Bureau and GEICO.
Drivers in their teens and 20s should expect to receive higher insurance premiums than the average 30- or 40-year-old. Data shows that individuals in younger age groups are more likely to get into an accident than older drivers.
Insurer Full Coverage Minimum Coverage
SC Farm Bureau $3,732 $1,986
GEICO $4,053 $1,849
State Farm $4,732 $1,901
Allstate $6,637 $2,187
Auto-Owners Insurance $7,539 $6,231
Travelers $7,618 $4,104
Nationwide $7,778 $5,545
Progressive $10,369 $4,734
USAA $4,951 $2,044
South Carolina average $6,379 $3,398
*USAA is excluded from rankings because it is only available to current and former military members and their families.
The rates above illustrate how costly auto insurance can be for a young person. While these rates are significantly more expensive than the rates for our sample older driver, there are ways to cut down costs.
To save on auto insurance
Consider a combined policy with your parents. Adding a teen driverto their parents' policy is less expensive than having a young person purchase their own insurance policy.
Ask about discounts. Many insurers have a list of discounts they offer to their drivers. Some of the most common ones include discounts for installing anti-theft devices, receiving good grades in school and being accident-free for a certain period of time.
Check out companies outside our list. There are dozens of companies available in South Carolina that offer great rates. Be sure to contact both large and small companies to ensure you receive the best bargain for your needs.
Cheapest for young drivers with one accident: GEICO
Having an accident record as a young driver can make already expensive insurance premiums nearly unaffordable. The company that offers the lowest rate for young drivers after an at-fault accident is GEICO.
Insurer Annual Cost Monthly Cost
GEICO $4,579 $382
SC Farm Bureau $4,868 $406
State Farm $5,879 $490
South Carolina average $8,226 $685
Cheapest for young drivers with one speeding ticket: GEICO
GEICO not only offers the best rates for young drivers after an accident, but they also offer the cheapest rates for drivers who have received speeding tickets. Customers who had a history of at least one traffic citation and were insured under GEICO spent an average of $4,053 annually.
Insurer Annual Cost Monthly Cost
GEICO $4,053 $338
SC Farm Bureau $4,500 $375
State Farm $5,191 $433
South Carolina average $7,237 $603
Best auto insurance companies in South Carolina
Based on survey information from current customers, Auto-Owners is the best insurance carrier in South Carolina when considering both overall claim satisfaction and customer service ratings. All of the respondents with Auto-Owners reported being extremely satisfied with their insurer.
When deciding on an insurer, it's ideal to strike a balance between inexpensive rates and quality customer service. GEICO has some of the cheapest rates in the state but are in the middle when considering customer satisfaction.
Rank Insurer % of respondents overall extremely satisfied with most recent claim % of respondents who rated customer service as "excellent"
1 Auto-Owners 100% 67%
2 USAA 78% 62%
3 Nationwide 78% 53%
4 State Farm 73% 46%
5 Allstate 72% 47%
6 Progressive 74% 34%
7 GEICO 64% 42%
8 Travelers 63% 33%
N/A SC Farm Bureau NA NA
*Overall rank takes both overall satisfaction and customer service rankings into account.
Along with our feedback survey, ValuePenguin has also compiled data from the National Association of Insurance Commissioners (NAIC), which measures customer service based on complaint index. A low customer complaint score indicates that customers are filing formal complaints with their state regulators at a lower rate.
Based on NAIC measures, SC Farm Bureau, Auto-Owners and First National have the best customer satisfaction rating.
Company 2019 NAIC complaint index 2020 J.D. Power Claims Satisfaction AM Best Rating
SC Farm Bureau 0.22 — A+
Auto-Owners 0.44 890 A++
First National 0.58 870 A
Allstate 0.63 876 A+
State Farm 0.66 881 A++
Progressive 0.67 856 A+
USAA 0.68 890 A++
GEICO 0.76 871 A++
Travelers 1.37 861 A++
Insurers were selected based on market share and quote availability. Complaint Index information is drawn from the National Association of Insurance Commissioners. The national median for the complaint index is 1.0, meaning companies with a lower index provide better customer service compared to the median company.
Average cost of insurance in South Carolina by city
The cost of insurance will fluctuate depending on where prospective policyholders live and drive. Cities that are densely populated or have higher rates of crime tend to have some of the highest rates.
Here is the annual rate comparison for all South Carolina cities, from the cheapest to the most expensive locations, using our sample motorist — with a full coverage policy — as a benchmark.
City Average annual cost Percent from average
Walhalla $1,735 -16.2%
Salem $1,737 -16.1%
West Union $1,741 -15.9%
Central $1,748 -15.6%
Newry $1,753 -15.4%
Seneca $1,754 -15.3%
Sunset $1,772 -14.4%
Tamassee $1,773 -14.4%
Utica $1,776 -14.2%
Westminster $1,778 -14.1%
Long Creek $1,787 -13.7%
Mountain Rest $1,798 -13.2%
Fair Play $1,807 -12.7%
Pendleton $1,812 -12.5%
Clemson $1,812 -12.5%
Pickens $1,817 -12.3%
Townville $1,824 -11.9%
Warrenville $1,832 -11.6%
Norris $1,832 -11.5%
Six Mile $1,833 -11.5%
Langley $1,834 -11.4%
Burnettown $1,836 -11.4%
La France $1,836 -11.3%
Liberty $1,837 -11.3%
Simpsonville $1,838 -11.3%
New Ellenton $1,839 -11.2%
Sandy Springs $1,842 -11.1%
Gloverville $1,843 -11.0%
Cleveland $1,848 -10.8%
Gray Court $1,854 -10.5%
Northlake $1,855 -10.4%
Aiken $1,855 -10.4%
Laurens $1,860 -10.2%
Watts Mills $1,860 -10.2%
Waterloo $1,863 -10.0%
Vaucluse $1,863 -10.0%
Centerville $1,865 -9.9%
Inman Mills $1,865 -9.9%
Easley $1,868 -9.8%
Boiling Springs $1,869 -9.7%
Arial $1,869 -9.7%
Graniteville $1,869 -9.7%
Inman $1,872 -9.6%
Fountain Inn $1,872 -9.6%
Greenwood $1,875 -9.4%
Hodges $1,876 -9.4%
Five Forks $1,877 -9.4%
Woodruff $1,880 -9.2%
Mount Carmel $1,881 -9.2%
Troy $1,882 -9.1%
Mountville $1,883 -9.1%
Powdersville $1,888 -8.8%
Valley Falls $1,889 -8.8%
Clinton $1,891 -8.7%
Enoree $1,892 -8.6%
Joanna $1,892 -8.6%
Calhoun Falls $1,895 -8.5%
Landrum $1,901 -8.2%
Bath $1,903 -8.1%
Cross Hill $1,903 -8.1%
Ware Shoals $1,905 -8.0%
Chesnee $1,905 -8.0%
West Pelzer $1,906 -8.0%
Belvedere $1,906 -7.9%
Richland $1,907 -7.9%
Anderson $1,908 -7.9%
Donalds $1,909 -7.8%
Abbeville $1,909 -7.8%
Greer $1,910 -7.8%
Williamston $1,911 -7.7%
Lowndesville $1,912 -7.7%
Golden Grove $1,912 -7.7%
Kinards $1,913 -7.6%
Piedmont $1,915 -7.5%
Pelzer $1,915 -7.5%
McCormick $1,917 -7.4%
Mayo $1,917 -7.4%
Campobello $1,918 -7.4%
North Augusta $1,920 -7.3%
Southern Shops $1,921 -7.2%
Gramling $1,922 -7.2%
Plum Branch $1,922 -7.2%
Chappells $1,922 -7.2%
India Hook $1,923 -7.1%
Newport $1,924 -7.1%
Cowpens $1,925 -7.0%
Lake Secession $1,925 -7.0%
Central Pacolet $1,925 -7.0%
Duncan $1,926 -7.0%
Clearwater $1,927 -6.9%
Wellford $1,928 -6.9%
Newberry $1,931 -6.8%
Spartanburg $1,932 -6.7%
Murphys Estates $1,932 -6.7%
Mauldin $1,933 -6.7%
Hilton Head Island $1,933 -6.6%
Tega Cay $1,933 -6.6%
Modoc $1,934 -6.6%
Due West $1,935 -6.6%
Pauline $1,936 -6.5%
Ninety Six $1,937 -6.5%
Pacolet $1,938 -6.4%
Startex $1,938 -6.4%
Silverstreet $1,939 -6.4%
Monetta $1,940 -6.3%
Edgefield $1,941 -6.3%
Roebuck $1,941 -6.3%
Clarks Hill $1,941 -6.3%
York $1,942 -6.2%
Beech Island $1,942 -6.2%
Homeland Park $1,942 -6.2%
Travelers Rest $1,944 -6.1%
Smyrna $1,949 -5.9%
Johnston $1,951 -5.8%
Lyman $1,951 -5.8%
Bradley $1,952 -5.8%
Windsor $1,952 -5.8%
Wagener $1,954 -5.7%
Moore $1,954 -5.6%
Trenton $1,954 -5.6%
Saluda $1,955 -5.6%
Wade Hampton $1,955 -5.6%
Slater-Marietta $1,955 -5.6%
Marietta $1,955 -5.6%
Taylors $1,957 -5.5%
Slater $1,957 -5.5%
Fort Mill $1,957 -5.5%
Honea Path $1,958 -5.5%
Hickory Grove $1,958 -5.5%
Prosperity $1,959 -5.4%
Lesslie $1,961 -5.3%
Ridge Spring $1,961 -5.3%
Belton $1,963 -5.2%
Jackson $1,964 -5.2%
Fairforest $1,965 -5.1%
McConnells $1,967 -5.0%
Okatie $1,968 -5.0%
Port Royal $1,972 -4.8%
Ward $1,974 -4.7%
Gaffney $1,974 -4.7%
Gantt $1,976 -4.6%
Arcadia $1,977 -4.5%
Saxon $1,978 -4.5%
East Gaffney $1,979 -4.4%
Beaufort $1,979 -4.4%
Bluffton $1,980 -4.4%
Whitmire $1,981 -4.3%
Batesburg-leesville $1,982 -4.3%
Iva $1,983 -4.2%
Sharon $1,985 -4.2%
Starr $1,989 -4.0%
Blacksburg $1,990 -3.9%
Daufuskie Island $1,990 -3.9%
North Myrtle Beach $1,991 -3.8%
Shell Point $1,995 -3.7%
Greenville $1,999 -3.5%
Burton $1,999 -3.4%
Sans Souci $2,001 -3.4%
Cheraw $2,001 -3.3%
Catawba $2,005 -3.2%
Jonesville $2,008 -3.0%
Laurel Bay $2,008 -3.0%
Batesburg $2,011 -2.9%
Leesville $2,013 -2.8%
Carlisle $2,016 -2.6%
Gilbert $2,017 -2.6%
Chesterfield $2,019 -2.5%
Clover $2,020 -2.5%
Briarcliffe Acres $2,023 -2.3%
Union $2,023 -2.3%
Pomaria $2,025 -2.2%
Montmorenci $2,025 -2.2%
Lake Wylie $2,026 -2.2%
Rock Hill $2,026 -2.2%
Lexington $2,026 -2.2%
Seabrook $2,028 -2.1%
Monarch Mill $2,030 -2.0%
Little Mountain $2,030 -2.0%
Pacolet Mills $2,031 -1.9%
Eureka Mill $2,032 -1.9%
Dunean $2,032 -1.9%
Buffalo $2,034 -1.8%
Sheldon $2,034 -1.8%
Pawleys Island $2,036 -1.7%
Red Bank $2,036 -1.7%
Gayle Mill $2,036 -1.7%
Chester $2,038 -1.6%
Jefferson $2,038 -1.6%
Berea $2,040 -1.5%
Saint Helena Island $2,042 -1.4%
Murrells Inlet $2,043 -1.3%
Parker $2,044 -1.3%
Ruby $2,047 -1.1%
West Columbia $2,047 -1.1%
Edgemoor $2,047 -1.1%
Oak Grove $2,054 -0.8%
Welcome $2,057 -0.7%
Judson $2,058 -0.6%
City View $2,058 -0.6%
Mount Croghan $2,065 -0.3%
South Congaree $2,067 -0.2%
Little River $2,067 -0.2%
Garden City $2,067 -0.2%
Salley $2,067 -0.2%
Isle Of Palms $2,068 -0.1%
Chapin $2,069 -0.1%
Bethune $2,069 -0.1%
Glendale $2,069 -0.1%
Cross Anchor $2,069 -0.1%
Mount Pleasant $2,070 0.0%
Santee $2,070 0.0%
Bennettsville $2,070 0.0%
White Stone $2,072 0.1%
Converse $2,073 0.1%
Patrick $2,074 0.1%
White Rock $2,076 0.2%
Drayton $2,076 0.3%
Irmo $2,077 0.3%
Clifton $2,078 0.4%
Wallace $2,080 0.4%
Summerton $2,081 0.5%
Mc Bee $2,082 0.5%
Myrtle Beach $2,082 0.6%
Lake Murray of Richland $2,083 0.6%
Surfside Beach $2,084 0.6%
Cayce $2,092 1.0%
Elloree $2,092 1.0%
Cassatt $2,094 1.1%
Socastee $2,095 1.2%
Williston $2,095 1.2%
Longs $2,098 1.3%
Richburg $2,098 1.3%
Pelion $2,100 1.4%
Sullivan's Island $2,100 1.4%
Elko $2,100 1.4%
Pine Ridge $2,101 1.5%
Forestbrook $2,101 1.5%
Peak $2,102 1.5%
Green Sea $2,104 1.6%
Vance $2,104 1.6%
Holly Hill $2,105 1.7%
Olar $2,105 1.7%
Westville $2,106 1.7%
Blythewood $2,106 1.7%
Mullins $2,107 1.7%
Blackville $2,107 1.8%
Camden $2,109 1.8%
Pageland $2,110 1.9%
Hardeeville $2,110 1.9%
Seven Oaks $2,111 2.0%
Awendaw $2,115 2.1%
Lugoff $2,116 2.2%
Rains $2,116 2.2%
Arcadia Lakes $2,116 2.2%
Una $2,117 2.2%
Norway $2,119 2.3%
Kershaw $2,119 2.3%
Bowling Green $2,120 2.4%
Swansea $2,121 2.4%
Clio $2,123 2.5%
Hilda $2,124 2.6%
Bowman $2,125 2.6%
Lake View $2,126 2.7%
St. Andrews $2,126 2.7%
Cope $2,126 2.7%
Springdale $2,126 2.7%
Barnwell $2,127 2.7%
Conestee $2,128 2.7%
Cordova $2,129 2.8%
Blenheim $2,130 2.8%
Fork $2,130 2.9%
Tatum $2,131 2.9%
Springfield $2,131 2.9%
Dalzell $2,132 2.9%
Liberty Hill $2,133 3.0%
Red Hill $2,135 3.1%
Mc Clellanville $2,137 3.2%
Eutawville $2,139 3.3%
Cherryvale $2,140 3.4%
Society Hill $2,141 3.4%
Lobeco $2,141 3.4%
Jenkinsville $2,143 3.5%
Neeses $2,145 3.6%
Edisto $2,146 3.6%
Ridgeway $2,146 3.6%
North $2,147 3.7%
Marion $2,147 3.7%
Hartsville $2,149 3.8%
Orangeburg $2,149 3.8%
Livingston $2,150 3.8%
Sellers $2,150 3.8%
Lakewood $2,150 3.8%
Harleyville $2,150 3.8%
Horatio $2,152 3.9%
Saint Matthews $2,152 3.9%
Woodfield $2,153 4.0%
Lamar $2,153 4.0%
Shaw AFB $2,153 4.0%
Oakland $2,154 4.0%
Blackstock $2,154 4.0%
Lydia $2,154 4.0%
Turbeville $2,155 4.1%
Salters $2,155 4.1%
Mc Coll $2,157 4.1%
Rembert $2,157 4.2%
Columbia $2,157 4.2%
Brookdale $2,158 4.2%
Elgin $2,159 4.2%
Cameron $2,160 4.3%
North Hartsville $2,160 4.3%
Aynor $2,160 4.3%
Privateer $2,161 4.4%
Hopkins $2,162 4.4%
Forest Acres $2,162 4.4%
Folly Beach $2,162 4.4%
New Zion $2,163 4.4%
Galivants Ferry $2,164 4.5%
South Sumter $2,164 4.5%
Lane $2,165 4.5%
Nichols $2,165 4.5%
Wilkinson Heights $2,165 4.6%
Dentsville $2,165 4.6%
Sumter $2,166 4.6%
Lando $2,167 4.6%
Hemingway $2,167 4.6%
Gaston $2,169 4.8%
Denmark $2,169 4.8%
Olanta $2,170 4.8%
Kingstree $2,170 4.8%
Fort Lawn $2,171 4.8%
Blair $2,172 4.9%
Johnsonville $2,173 4.9%
Conway $2,174 5.0%
Rowesville $2,174 5.0%
Pinewood $2,174 5.0%
Branchville $2,175 5.0%
Darlington $2,175 5.0%
Bamberg $2,180 5.3%
Manning $2,182 5.4%
Wedgefield $2,183 5.4%
Alcolu $2,184 5.5%
Greeleyville $2,184 5.5%
Winnsboro Mills $2,184 5.5%
Scranton $2,186 5.5%
Winnsboro $2,187 5.6%
Lynchburg $2,188 5.6%
Gresham $2,188 5.7%
East Sumter $2,189 5.7%
Latta $2,189 5.7%
Bishopville $2,195 6.0%
Lake City $2,197 6.1%
Loris $2,198 6.1%
Reevesville $2,200 6.3%
Gable $2,201 6.3%
Eastover $2,202 6.3%
Heath Springs $2,203 6.4%
Cades $2,203 6.4%
Florence $2,205 6.5%
Dillon $2,205 6.5%
Little Rock $2,206 6.5%
Ehrhardt $2,208 6.6%
Timmonsville $2,212 6.8%
Bonneau Beach $2,220 7.2%
Kiawah Island $2,220 7.2%
Dorchester $2,221 7.2%
Hanahan $2,222 7.3%
Effingham $2,222 7.3%
Goose Creek $2,222 7.3%
Seabrook Island $2,223 7.3%
Irwin $2,224 7.4%
Lancaster $2,224 7.4%
Ballentine $2,225 7.5%
Nesmith $2,226 7.5%
Hamer $2,229 7.7%
Johns Island $2,230 7.7%
Charleston $2,231 7.7%
Sangaree $2,231 7.7%
Elliott $2,231 7.7%
Rion $2,231 7.8%
St. George $2,236 8.0%
Andrews $2,236 8.0%
Charleston AFB $2,239 8.1%
Pamplico $2,239 8.1%
Summerville $2,240 8.2%
Georgetown $2,240 8.2%
Mayesville $2,242 8.2%
Pinopolis $2,244 8.4%
Cordesville $2,251 8.7%
Coward $2,251 8.7%
Jamestown $2,252 8.7%
Gadsden $2,254 8.8%
Great Falls $2,259 9.1%
Pineville $2,264 9.3%
St. Stephen $2,267 9.5%
Coosawhatchie $2,268 9.5%
Martin $2,268 9.5%
Tillman $2,269 9.6%
Ridgeville $2,272 9.7%
Parris Island $2,275 9.9%
Dale $2,280 10.1%
Yemassee $2,281 10.2%
North Charleston $2,283 10.2%
Ladson $2,287 10.4%
Cross $2,292 10.7%
Moncks Corner $2,292 10.7%
Cottageville $2,293 10.8%
Ulmer $2,294 10.8%
Lodge $2,295 10.8%
Walterboro $2,298 11.0%
State Park $2,300 11.1%
Williams $2,302 11.2%
Ridgeland $2,302 11.2%
Huger $2,303 11.2%
Round O $2,315 11.8%
Davis Station $2,320 12.1%
Ruffin $2,324 12.2%
Adams Run $2,329 12.5%
Green Pond $2,339 13.0%
Wadmalaw Island $2,341 13.0%
Bethera $2,341 13.1%
Edisto Island $2,342 13.1%
Garnett $2,347 13.4%
Smoaks $2,349 13.4%
Islandton $2,350 13.5%
Scotia $2,372 14.5%
Pineland $2,374 14.7%
Early Branch $2,378 14.8%
Varnville $2,383 15.1%
Jacksonboro $2,390 15.4%
Ravenel $2,394 15.6%
Brunson $2,396 15.7%
Grover $2,400 15.9%
Meggett $2,402 16.0%
Hollywood $2,406 16.2%
Hampton $2,408 16.3%
Gifford $2,409 16.3%
Luray $2,413 16.5%
Russellville $2,420 16.9%
Estill $2,436 17.6%
Fairfax $2,436 17.6%
Allendale $2,439 17.8%
Furman $2,467 19.2%
Canadys $2,515 21.5%
Crocketville $2,544 22.9%
Miley $2,545 22.9%
Show All Rows
South Carolina auto insurance coverage requirements
Drivers in South Carolina are legally required to carry the state's mandatory minimum auto insurance limits. Here are the mandatory requirements for the state:
$25,000 per person / $50,000 per accident for bodily injury liability
$25,000 per accident for property damage
$25,000 per person / $50,000 per accident for uninsured motorists
Having a minimum coverage policy is the cheapest option and will save you money in the short term. However, if you find yourself involved in an expensive accident, the minimum policy will not cover repairs to your own vehicle. Before beginning your auto insurance search, you should start by evaluating your individual coverage needs.
Recap of the cheapest auto insurance in South Carolina
Minimum coverage: GEICO
Full coverage: GEICO
After an at-fault accident: State Farm
After a speeding ticket: GEICO
After a DUI: State Farm
Poor credit history: GEICO
Very good credit history: GEICO
Married couples: GEICO
Young drivers: SC Farm Bureau
Young drivers with one accident: GEICO
Young drivers with speeding ticket: GEICO
Methodology
We collected thousands of rates from ZIP codes across South Carolina for the largest 10 insurers. We used a sample driver with the following profile:
30-year-old man
Drives a 2015 Honda Civic EX
Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type Study limits
Bodily liability $50,000 per person/$100,000 per accident
Personal injury protection $10,000
Property damage $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible
For our minimum-coverage policy, we quoted a policy with the minimum required limits in South Carolina, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Rank	Company	Average Annual Rate
1	GEICO	$576
2	State Farm	$577
3	Allstate	$821
4	Farm Bureau	$851
5	Progressive	$891
6	Auto-Owners Insurance Co.	$1,279
7	Travelers	$1,466
8	Nationwide	$1,507
N/A	USAA	$485

Insurer	Annual Cost	Monthly Cost
GEICO	$1,485	$124
State Farm	$1,625	$135
Auto-Owners Insurance	$1,869	$156
South Carolina average	$2,071	$173

Insurer	Annual Cost	Monthly Cost
State Farm	$1,959	$163
GEICO	$2,169	$181
SC Farm Bureau	$2,601	$217
South Carolina average	$3,023	$252

Insurer	Annual Cost	Monthly Cost
GEICO	$1,485	$124
State Farm	$1,759	$147
Auto-Owners Insurance	$2,217	$185
South Carolina average	$2,491	$208

Insurer	Annual Cost	Monthly Cost
State Farm	$1,759	$147
SC Farm Bureau	$2,404	$200
Progressive	$2,999	$250
South Carolina average	$3,260	$272

Insurer	Annual Cost	Monthly Cost
GEICO	$2,204	$184
State Farm	$2,460	$205
Travelers	$2,760	$230
South Carolina average	$2,826	$235

Insurer	Annual Cost	Monthly Cost
GEICO	$1,424	$119
Travelers	$1,466	$122
State Farm	$1,625	$135
South Carolina average	$1,915	$160

Insurer	Full Coverage	Minimum Coverage
SC Farm Bureau	$3,732	$1,986
GEICO	$4,053	$1,849
State Farm	$4,732	$1,901
Allstate	$6,637	$2,187
Auto-Owners Insurance	$7,539	$6,231
Travelers	$7,618	$4,104
Nationwide	$7,778	$5,545
Progressive	$10,369	$4,734
USAA	$4,951	$2,044
South Carolina average	$6,379	$3,398

Insurer	Annual Cost	Monthly Cost
GEICO	$4,579	$382
SC Farm Bureau	$4,868	$406
State Farm	$5,879	$490
South Carolina average	$8,226	$685

Insurer	Annual Cost	Monthly Cost
GEICO	$4,053	$338
SC Farm Bureau	$4,500	$375
State Farm	$5,191	$433
South Carolina average	$7,237	$603

Rank	Insurer	% of respondents overall extremely satisfied with most recent claim	% of respondents who rated customer service as "excellent"
1	Auto-Owners	100%	67%
2	USAA	78%	62%
3	Nationwide	78%	53%
4	State Farm	73%	46%
5	Allstate	72%	47%
6	Progressive	74%	34%
7	GEICO	64%	42%
8	Travelers	63%	33%
N/A	SC Farm Bureau	NA	NA

Company	2019 NAIC complaint index	2020 J.D. Power Claims Satisfaction	AM Best Rating
SC Farm Bureau	0.22	—	A+
Auto-Owners	0.44	890	A++
First National	0.58	870	A
Allstate	0.63	876	A+
State Farm	0.66	881	A++
Progressive	0.67	856	A+
USAA	0.68	890	A++
GEICO	0.76	871	A++
Travelers	1.37	861	A++

City	Average annual cost	Percent from average
Walhalla	$1,735	-16.2%
Salem	$1,737	-16.1%
West Union	$1,741	-15.9%
Central	$1,748	-15.6%
Newry	$1,753	-15.4%
Seneca	$1,754	-15.3%
Sunset	$1,772	-14.4%
Tamassee	$1,773	-14.4%
Utica	$1,776	-14.2%
Westminster	$1,778	-14.1%
Long Creek	$1,787	-13.7%
Mountain Rest	$1,798	-13.2%
Fair Play	$1,807	-12.7%
Pendleton	$1,812	-12.5%
Clemson	$1,812	-12.5%
Pickens	$1,817	-12.3%
Townville	$1,824	-11.9%
Warrenville	$1,832	-11.6%
Norris	$1,832	-11.5%
Six Mile	$1,833	-11.5%
Langley	$1,834	-11.4%
Burnettown	$1,836	-11.4%
La France	$1,836	-11.3%
Liberty	$1,837	-11.3%
Simpsonville	$1,838	-11.3%
New Ellenton	$1,839	-11.2%
Sandy Springs	$1,842	-11.1%
Gloverville	$1,843	-11.0%
Cleveland	$1,848	-10.8%
Gray Court	$1,854	-10.5%
Northlake	$1,855	-10.4%
Aiken	$1,855	-10.4%
Laurens	$1,860	-10.2%
Watts Mills	$1,860	-10.2%
Waterloo	$1,863	-10.0%
Vaucluse	$1,863	-10.0%
Centerville	$1,865	-9.9%
Inman Mills	$1,865	-9.9%
Easley	$1,868	-9.8%
Boiling Springs	$1,869	-9.7%
Arial	$1,869	-9.7%
Graniteville	$1,869	-9.7%
Inman	$1,872	-9.6%
Fountain Inn	$1,872	-9.6%
Greenwood	$1,875	-9.4%
Hodges	$1,876	-9.4%
Five Forks	$1,877	-9.4%
Woodruff	$1,880	-9.2%
Mount Carmel	$1,881	-9.2%
Troy	$1,882	-9.1%
Mountville	$1,883	-9.1%
Powdersville	$1,888	-8.8%
Valley Falls	$1,889	-8.8%
Clinton	$1,891	-8.7%
Enoree	$1,892	-8.6%
Joanna	$1,892	-8.6%
Calhoun Falls	$1,895	-8.5%
Landrum	$1,901	-8.2%
Bath	$1,903	-8.1%
Cross Hill	$1,903	-8.1%
Ware Shoals	$1,905	-8.0%
Chesnee	$1,905	-8.0%
West Pelzer	$1,906	-8.0%
Belvedere	$1,906	-7.9%
Richland	$1,907	-7.9%
Anderson	$1,908	-7.9%
Donalds	$1,909	-7.8%
Abbeville	$1,909	-7.8%
Greer	$1,910	-7.8%
Williamston	$1,911	-7.7%
Lowndesville	$1,912	-7.7%
Golden Grove	$1,912	-7.7%
Kinards	$1,913	-7.6%
Piedmont	$1,915	-7.5%
Pelzer	$1,915	-7.5%
McCormick	$1,917	-7.4%
Mayo	$1,917	-7.4%
Campobello	$1,918	-7.4%
North Augusta	$1,920	-7.3%
Southern Shops	$1,921	-7.2%
Gramling	$1,922	-7.2%
Plum Branch	$1,922	-7.2%
Chappells	$1,922	-7.2%
India Hook	$1,923	-7.1%
Newport	$1,924	-7.1%
Cowpens	$1,925	-7.0%
Lake Secession	$1,925	-7.0%
Central Pacolet	$1,925	-7.0%
Duncan	$1,926	-7.0%
Clearwater	$1,927	-6.9%
Wellford	$1,928	-6.9%
Newberry	$1,931	-6.8%
Spartanburg	$1,932	-6.7%
Murphys Estates	$1,932	-6.7%
Mauldin	$1,933	-6.7%
Hilton Head Island	$1,933	-6.6%
Tega Cay	$1,933	-6.6%
Modoc	$1,934	-6.6%
Due West	$1,935	-6.6%
Pauline	$1,936	-6.5%
Ninety Six	$1,937	-6.5%
Pacolet	$1,938	-6.4%
Startex	$1,938	-6.4%
Silverstreet	$1,939	-6.4%
Monetta	$1,940	-6.3%
Edgefield	$1,941	-6.3%
Roebuck	$1,941	-6.3%
Clarks Hill	$1,941	-6.3%
York	$1,942	-6.2%
Beech Island	$1,942	-6.2%
Homeland Park	$1,942	-6.2%
Travelers Rest	$1,944	-6.1%
Smyrna	$1,949	-5.9%
Johnston	$1,951	-5.8%
Lyman	$1,951	-5.8%
Bradley	$1,952	-5.8%
Windsor	$1,952	-5.8%
Wagener	$1,954	-5.7%
Moore	$1,954	-5.6%
Trenton	$1,954	-5.6%
Saluda	$1,955	-5.6%
Wade Hampton	$1,955	-5.6%
Slater-Marietta	$1,955	-5.6%
Marietta	$1,955	-5.6%
Taylors	$1,957	-5.5%
Slater	$1,957	-5.5%
Fort Mill	$1,957	-5.5%
Honea Path	$1,958	-5.5%
Hickory Grove	$1,958	-5.5%
Prosperity	$1,959	-5.4%
Lesslie	$1,961	-5.3%
Ridge Spring	$1,961	-5.3%
Belton	$1,963	-5.2%
Jackson	$1,964	-5.2%
Fairforest	$1,965	-5.1%
McConnells	$1,967	-5.0%
Okatie	$1,968	-5.0%
Port Royal	$1,972	-4.8%
Ward	$1,974	-4.7%
Gaffney	$1,974	-4.7%
Gantt	$1,976	-4.6%
Arcadia	$1,977	-4.5%
Saxon	$1,978	-4.5%
East Gaffney	$1,979	-4.4%
Beaufort	$1,979	-4.4%
Bluffton	$1,980	-4.4%
Whitmire	$1,981	-4.3%
Batesburg-leesville	$1,982	-4.3%
Iva	$1,983	-4.2%
Sharon	$1,985	-4.2%
Starr	$1,989	-4.0%
Blacksburg	$1,990	-3.9%
Daufuskie Island	$1,990	-3.9%
North Myrtle Beach	$1,991	-3.8%
Shell Point	$1,995	-3.7%
Greenville	$1,999	-3.5%
Burton	$1,999	-3.4%
Sans Souci	$2,001	-3.4%
Cheraw	$2,001	-3.3%
Catawba	$2,005	-3.2%
Jonesville	$2,008	-3.0%
Laurel Bay	$2,008	-3.0%
Batesburg	$2,011	-2.9%
Leesville	$2,013	-2.8%
Carlisle	$2,016	-2.6%
Gilbert	$2,017	-2.6%
Chesterfield	$2,019	-2.5%
Clover	$2,020	-2.5%
Briarcliffe Acres	$2,023	-2.3%
Union	$2,023	-2.3%
Pomaria	$2,025	-2.2%
Montmorenci	$2,025	-2.2%
Lake Wylie	$2,026	-2.2%
Rock Hill	$2,026	-2.2%
Lexington	$2,026	-2.2%
Seabrook	$2,028	-2.1%
Monarch Mill	$2,030	-2.0%
Little Mountain	$2,030	-2.0%
Pacolet Mills	$2,031	-1.9%
Eureka Mill	$2,032	-1.9%
Dunean	$2,032	-1.9%
Buffalo	$2,034	-1.8%
Sheldon	$2,034	-1.8%
Pawleys Island	$2,036	-1.7%
Red Bank	$2,036	-1.7%
Gayle Mill	$2,036	-1.7%
Chester	$2,038	-1.6%
Jefferson	$2,038	-1.6%
Berea	$2,040	-1.5%
Saint Helena Island	$2,042	-1.4%
Murrells Inlet	$2,043	-1.3%
Parker	$2,044	-1.3%
Ruby	$2,047	-1.1%
West Columbia	$2,047	-1.1%
Edgemoor	$2,047	-1.1%
Oak Grove	$2,054	-0.8%
Welcome	$2,057	-0.7%
Judson	$2,058	-0.6%
City View	$2,058	-0.6%
Mount Croghan	$2,065	-0.3%
South Congaree	$2,067	-0.2%
Little River	$2,067	-0.2%
Garden City	$2,067	-0.2%
Salley	$2,067	-0.2%
Isle Of Palms	$2,068	-0.1%
Chapin	$2,069	-0.1%
Bethune	$2,069	-0.1%
Glendale	$2,069	-0.1%
Cross Anchor	$2,069	-0.1%
Mount Pleasant	$2,070	0.0%
Santee	$2,070	0.0%
Bennettsville	$2,070	0.0%
White Stone	$2,072	0.1%
Converse	$2,073	0.1%
Patrick	$2,074	0.1%
White Rock	$2,076	0.2%
Drayton	$2,076	0.3%
Irmo	$2,077	0.3%
Clifton	$2,078	0.4%
Wallace	$2,080	0.4%
Summerton	$2,081	0.5%
Mc Bee	$2,082	0.5%
Myrtle Beach	$2,082	0.6%
Lake Murray of Richland	$2,083	0.6%
Surfside Beach	$2,084	0.6%
Cayce	$2,092	1.0%
Elloree	$2,092	1.0%
Cassatt	$2,094	1.1%
Socastee	$2,095	1.2%
Williston	$2,095	1.2%
Longs	$2,098	1.3%
Richburg	$2,098	1.3%
Pelion	$2,100	1.4%
Sullivan's Island	$2,100	1.4%
Elko	$2,100	1.4%
Pine Ridge	$2,101	1.5%
Forestbrook	$2,101	1.5%
Peak	$2,102	1.5%
Green Sea	$2,104	1.6%
Vance	$2,104	1.6%
Holly Hill	$2,105	1.7%
Olar	$2,105	1.7%
Westville	$2,106	1.7%
Blythewood	$2,106	1.7%
Mullins	$2,107	1.7%
Blackville	$2,107	1.8%
Camden	$2,109	1.8%
Pageland	$2,110	1.9%
Hardeeville	$2,110	1.9%
Seven Oaks	$2,111	2.0%
Awendaw	$2,115	2.1%
Lugoff	$2,116	2.2%
Rains	$2,116	2.2%
Arcadia Lakes	$2,116	2.2%
Una	$2,117	2.2%
Norway	$2,119	2.3%
Kershaw	$2,119	2.3%
Bowling Green	$2,120	2.4%
Swansea	$2,121	2.4%
Clio	$2,123	2.5%
Hilda	$2,124	2.6%
Bowman	$2,125	2.6%
Lake View	$2,126	2.7%
St. Andrews	$2,126	2.7%
Cope	$2,126	2.7%
Springdale	$2,126	2.7%
Barnwell	$2,127	2.7%
Conestee	$2,128	2.7%
Cordova	$2,129	2.8%
Blenheim	$2,130	2.8%
Fork	$2,130	2.9%
Tatum	$2,131	2.9%
Springfield	$2,131	2.9%
Dalzell	$2,132	2.9%
Liberty Hill	$2,133	3.0%
Red Hill	$2,135	3.1%
Mc Clellanville	$2,137	3.2%
Eutawville	$2,139	3.3%
Cherryvale	$2,140	3.4%
Society Hill	$2,141	3.4%
Lobeco	$2,141	3.4%
Jenkinsville	$2,143	3.5%
Neeses	$2,145	3.6%
Edisto	$2,146	3.6%
Ridgeway	$2,146	3.6%
North	$2,147	3.7%
Marion	$2,147	3.7%
Hartsville	$2,149	3.8%
Orangeburg	$2,149	3.8%
Livingston	$2,150	3.8%
Sellers	$2,150	3.8%
Lakewood	$2,150	3.8%
Harleyville	$2,150	3.8%
Horatio	$2,152	3.9%
Saint Matthews	$2,152	3.9%
Woodfield	$2,153	4.0%
Lamar	$2,153	4.0%
Shaw AFB	$2,153	4.0%
Oakland	$2,154	4.0%
Blackstock	$2,154	4.0%
Lydia	$2,154	4.0%
Turbeville	$2,155	4.1%
Salters	$2,155	4.1%
Mc Coll	$2,157	4.1%
Rembert	$2,157	4.2%
Columbia	$2,157	4.2%
Brookdale	$2,158	4.2%
Elgin	$2,159	4.2%
Cameron	$2,160	4.3%
North Hartsville	$2,160	4.3%
Aynor	$2,160	4.3%
Privateer	$2,161	4.4%
Hopkins	$2,162	4.4%
Forest Acres	$2,162	4.4%
Folly Beach	$2,162	4.4%
New Zion	$2,163	4.4%
Galivants Ferry	$2,164	4.5%
South Sumter	$2,164	4.5%
Lane	$2,165	4.5%
Nichols	$2,165	4.5%
Wilkinson Heights	$2,165	4.6%
Dentsville	$2,165	4.6%
Sumter	$2,166	4.6%
Lando	$2,167	4.6%
Hemingway	$2,167	4.6%
Gaston	$2,169	4.8%
Denmark	$2,169	4.8%
Olanta	$2,170	4.8%
Kingstree	$2,170	4.8%
Fort Lawn	$2,171	4.8%
Blair	$2,172	4.9%
Johnsonville	$2,173	4.9%
Conway	$2,174	5.0%
Rowesville	$2,174	5.0%
Pinewood	$2,174	5.0%
Branchville	$2,175	5.0%
Darlington	$2,175	5.0%
Bamberg	$2,180	5.3%
Manning	$2,182	5.4%
Wedgefield	$2,183	5.4%
Alcolu	$2,184	5.5%
Greeleyville	$2,184	5.5%
Winnsboro Mills	$2,184	5.5%
Scranton	$2,186	5.5%
Winnsboro	$2,187	5.6%
Lynchburg	$2,188	5.6%
Gresham	$2,188	5.7%
East Sumter	$2,189	5.7%
Latta	$2,189	5.7%
Bishopville	$2,195	6.0%
Lake City	$2,197	6.1%
Loris	$2,198	6.1%
Reevesville	$2,200	6.3%
Gable	$2,201	6.3%
Eastover	$2,202	6.3%
Heath Springs	$2,203	6.4%
Cades	$2,203	6.4%
Florence	$2,205	6.5%
Dillon	$2,205	6.5%
Little Rock	$2,206	6.5%
Ehrhardt	$2,208	6.6%
Timmonsville	$2,212	6.8%
Bonneau Beach	$2,220	7.2%
Kiawah Island	$2,220	7.2%
Dorchester	$2,221	7.2%
Hanahan	$2,222	7.3%
Effingham	$2,222	7.3%
Goose Creek	$2,222	7.3%
Seabrook Island	$2,223	7.3%
Irwin	$2,224	7.4%
Lancaster	$2,224	7.4%
Ballentine	$2,225	7.5%
Nesmith	$2,226	7.5%
Hamer	$2,229	7.7%
Johns Island	$2,230	7.7%
Charleston	$2,231	7.7%
Sangaree	$2,231	7.7%
Elliott	$2,231	7.7%
Rion	$2,231	7.8%
St. George	$2,236	8.0%
Andrews	$2,236	8.0%
Charleston AFB	$2,239	8.1%
Pamplico	$2,239	8.1%
Summerville	$2,240	8.2%
Georgetown	$2,240	8.2%
Mayesville	$2,242	8.2%
Pinopolis	$2,244	8.4%
Cordesville	$2,251	8.7%
Coward	$2,251	8.7%
Jamestown	$2,252	8.7%
Gadsden	$2,254	8.8%
Great Falls	$2,259	9.1%
Pineville	$2,264	9.3%
St. Stephen	$2,267	9.5%
Coosawhatchie	$2,268	9.5%
Martin	$2,268	9.5%
Tillman	$2,269	9.6%
Ridgeville	$2,272	9.7%
Parris Island	$2,275	9.9%
Dale	$2,280	10.1%
Yemassee	$2,281	10.2%
North Charleston	$2,283	10.2%
Ladson	$2,287	10.4%
Cross	$2,292	10.7%
Moncks Corner	$2,292	10.7%
Cottageville	$2,293	10.8%
Ulmer	$2,294	10.8%
Lodge	$2,295	10.8%
Walterboro	$2,298	11.0%
State Park	$2,300	11.1%
Williams	$2,302	11.2%
Ridgeland	$2,302	11.2%
Huger	$2,303	11.2%
Round O	$2,315	11.8%
Davis Station	$2,320	12.1%
Ruffin	$2,324	12.2%
Adams Run	$2,329	12.5%
Green Pond	$2,339	13.0%
Wadmalaw Island	$2,341	13.0%
Bethera	$2,341	13.1%
Edisto Island	$2,342	13.1%
Garnett	$2,347	13.4%
Smoaks	$2,349	13.4%
Islandton	$2,350	13.5%
Scotia	$2,372	14.5%
Pineland	$2,374	14.7%
Early Branch	$2,378	14.8%
Varnville	$2,383	15.1%
Jacksonboro	$2,390	15.4%
Ravenel	$2,394	15.6%
Brunson	$2,396	15.7%
Grover	$2,400	15.9%
Meggett	$2,402	16.0%
Hollywood	$2,406	16.2%
Hampton	$2,408	16.3%
Gifford	$2,409	16.3%
Luray	$2,413	16.5%
Russellville	$2,420	16.9%
Estill	$2,436	17.6%
Fairfax	$2,436	17.6%
Allendale	$2,439	17.8%
Furman	$2,467	19.2%
Canadys	$2,515	21.5%
Crocketville	$2,544	22.9%
Miley	$2,545	22.9%

Coverage type	Study limits
Bodily liability	$50,000 per person/$100,000 per accident
Personal injury protection	$10,000
Property damage	$25,000 per accident
Uninsured/underinsured motorist bodily injury	$50,000 per person/$100,000 per accident
Comprehensive and collision	$500 deductible

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