Cheapest Car Insurance In South Carolina For 2024
We’ve saved shoppers an average of $600 per year on their car insurance.
For affordable car insurance in South Carolina, American National comes out on top. It’s recognized for its competitive prices and reliable service, making it the best value for both liability and full-coverage policies. This guide compares different car insurance providers, with a focus on keeping costs down.
Drawing on over ten years of experience evaluating insurance policies, I’ve thoroughly assessed the market to bring you the best insights. My analysis covers all the essential factors to help you make an informed choice.
Cheapest Car Insurance In South Carolina
Our Methodology
Utilizing a detailed examination encompassing customer service ratings, product options, pricing, and extensive online feedback, I've developed an informed view of South Carolina car insurance landscape. This understanding is shaped by my extensive career as a licensed insurance agent in South Carolina, involving regular interactions with company representatives and direct involvement in purchasing car insurance.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In South Carolina For Minimum Coverage
South Carolina drivers can secure auto insurance from American National for just $16 per month, the lowest rate available.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $16 | $198 |
| Encompass | $35 | $419 |
| Allstate | $37 | $449 |
| Progressive | $41 | $491 |
| Auto-Owners | $42 | $509 |
In South Carolina, drivers are legally required to carry minimum car insurance coverage, which primarily includes Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP helps cover medical costs and lost wages for you and your passengers, regardless of who is at fault, while PDL takes care of property damage to others in accidents where you are responsible. Though affordable and legally compliant, minimum coverage may not provide sufficient protection in more serious or complicated accidents.
Minimum coverage meets state requirements and provides basic protection, but it does not offer the extensive benefits found in more comprehensive insurance plans. It does not include collision or comprehensive insurance, leaving drivers liable for damages to their vehicle in accidents, theft, or natural disasters. Consequently, drivers should evaluate their specific circumstances and consider additional coverage beyond the minimum requirements to ensure they are adequately protected on the road.
Cheapest Car Insurance In South Carolina For Full Coverage
Looking for budget-friendly full coverage car insurance? American National might offer you the lowest rate, averaging $50 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $50 | $596 |
| Auto-Owners | $123 | $1,473 |
| Nationwide | $125 | $1,504 |
| Progressive | $127 | $1,519 |
Full coverage car insurance offers comprehensive protection compared to minimum coverage, making it a popular option among drivers. It typically includes both comprehensive and collision insurance, providing a strong safety net. Comprehensive insurance covers non-collision incidents such as theft, vandalism, and natural disasters, while collision insurance covers vehicle damage in accidents, regardless of fault.
This two-tiered strategy guarantees that drivers are covered in a wide array of situations, from accidents to unexpected environmental impacts. Opting for full coverage is especially recommended for those with newer or high-value vehicles, as these cars often necessitate more expensive repairs or replacements. Despite the higher cost compared to minimal coverage, this investment provides a significant increase in protection. For owners of newer or pricier vehicles, this insurance is not just advisable but essential to protect their investment.
Cheapest Car Insurance In South Carolina For Drivers With Poor Credit
South Carolina Farm Bureau auto insurance is the least expensive choice for individuals with bad credit, priced at $1,634 per year.
| Provider | Average Monthly Cost | Average Annual Cost |
| South Carolina Farm Bureau | $136 | $1,634 |
| American National P&C | $150 | $1,799 |
| Progressive | $188 | $2,256 |
| Travelers | $194 | $2,334 |
| Allstate | $207 | $2,484 |
Car insurance rates are heavily influenced by credit scores, which insurers use to evaluate a driver’s risk profile. The underlying assumption is that individuals with lower credit scores are statistically more likely to file claims, making them higher-risk customers from the insurer’s perspective. This assessment translates into higher insurance premiums for those with poor credit. Therefore, drivers with lower credit scores typically pay more for car insurance than those with higher scores, as credit scores are seen as a measure of responsibility and financial reliability.
Despite the prevailing trend, there is some relief in the insurance market for drivers with less-than-perfect credit histories. Certain insurers have customized their offerings to better serve this group, offering more competitive rates that do not penalize poor credit as heavily as standard policies. These insurers often take a more comprehensive approach to risk assessment, considering factors beyond just credit scores like driving history, location, and the type of vehicle insured. For drivers impacted by lower credit scores, it’s important to shop around and compare auto insurance quotes from these specialized insurers. They may find more flexible pricing structures that make car insurance accessible and affordable.
Cheapest Car Insurance In South Carolina For Seniors
American National insurance policy tailored for seniors is available at a cost of around $560 per year.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National P&C | $47 | $560 |
| South Carolina Farm Bureau | $66 | $798 |
| Auto-Owners | $81 | $978 |
| American Family | $90 | $1,083 |
| Geico | $97 | $1,163 |
Seniors in South Carolina often qualify for competitive car insurance rates due to several advantageous factors. Although aging might suggest declining reflexes, many older drivers maintain excellent driving records. Insurance providers frequently offer lower rates to these drivers, who have few accidents or traffic violations on their record.
Additionally, some insurance companies appreciate the maturity and experience that comes with age, viewing senior drivers as responsible and less likely to engage in risky driving behaviors. They sweeten the deal for senior drivers by providing discounts tailored specifically for this age group, which can depend on factors such as age, how often they drive, and completion of senior driver safety courses. Many insurers encourage seniors to take defensive driving courses and offer discounts upon completion. These courses are intended to refresh driving skills and promote safer driving habits.
Cheapest Car Insurance In South Carolina For Young Drivers
Car insurance can be costly for young drivers, especially teenagers, because they have less experience on the road. Insurance companies view inexperienced drivers as high-risk due to data showing a higher frequency of accidents and traffic violations in this age group. This increased risk results in higher premiums as insurers try to cover potential claim costs from these novice drivers. The insurance rates for 16-year-olds, who are just beginning their driving journey, can be particularly high.
Teenagers who are just starting to drive are still developing their awareness of the road, reaction times, and decision-making skills in different traffic scenarios, all crucial for safe driving. Despite this, there are positive aspects for young drivers looking for affordable insurance options. Some insurance providers acknowledge the necessity of offering more economical solutions for new drivers. These insurers may introduce special programs or discounts specifically for young drivers, such as discounts for good academic performance or for completing certified driver education courses. These initiatives not only enhance access to insurance for teenagers but also promote responsible driving and the development of better driving abilities.
Cheapest South Carolina Car Insurance For 16-Year-Olds
If you’re in the market for affordable car insurance for a 16-year-old, check out American National, offering policies for $327 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $327 | $3,928 |
| Southern Farm Bureau Casualty Insurance | $360 | $4,323 |
| GEICO | $379 | $4,548 |
| Travelers | $392 | $4,705 |
| Auto-Owners | $441 | $5,289 |
Cheapest South Carolina Car Insurance For 17-Year-Olds
American National offers the most cost-effective car insurance plans for 17-year-olds, with an average annual premium of $1,843.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $154 | $1,843 |
| Auto-Owners | $259 | $3,113 |
| Southern Farm Bureau Casualty Insurance | $285 | $3,418 |
| State Farm | $305 | $3,658 |
| Travelers | $319 | $3,830 |
Cheapest South Carolina Car Insurance For 18-Year-Olds
American National offers accessible car insurance options for 18-year-olds, with an average annual rate of $1,690.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $141 | $1,690 |
| Auto-Owners | $235 | $2,819 |
| Southern Farm Bureau Casualty Insurance | $259 | $3,109 |
| Travelers | $269 | $3,232 |
| State Farm | $270 | $3,235 |
Cheapest South Carolina Car Insurance For 21-Year-Olds
For around $1,108 per year, American National offers the most affordable car insurance for 21-year-olds.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $92 | $1,108 |
| GEICO | $151 | $1,806 |
| USAA | $163 | $1,950 |
| Auto-Owners | $163 | $1,952 |
| Travelers | $174 | $2,092 |
Cheapest Car Insurance In South Carolina For Good Drivers
American National offers competitively priced car insurance for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $65 | $783 |
| GEICO | $121 | $1,452 |
| USAA | $124 | $1,486 |
| State Farm | $136 | $1,632 |
| Travelers | $137 | $1,642 |
Expert drivers, characterized by their impeccable driving records, often benefit from lower car insurance premiums. Insurance companies evaluate risk based on a driver’s history; those without violations or accidents are categorized as low-risk. This favorable risk assessment results from a proven record of responsible and safe driving, implying a reduced likelihood of future claims. Therefore, insurers are more inclined to offer these drivers more competitive premiums, reflecting the decreased financial risk they pose. For drivers who consistently adhere to traffic laws, avoid accidents, and demonstrate cautious driving behavior, this equates to significant savings on their car insurance premiums over the long term.
Cheapest Car Insurance In South Carolina For Drivers With Prior Incidents
In South Carolina, drivers with a history of accidents, speeding tickets, or DUIs frequently face difficulties obtaining affordable car insurance because insurers view them as high-risk. This classification stems from the higher probability of these drivers filing future claims, resulting in increased premiums. This pattern is particularly evident in South Carolina, where traffic incidents occur more frequently than in other states. Insurers use statistical analyses and risk assessments to guide their pricing strategies, which highlight the link between past driving incidents and the likelihood of future claims.
Cheapest Car Insurance For Drivers With A Speeding Ticket
American National average premium of $166 makes it the most budget-conscious option for those with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $166 | $1,979 |
| GEICO | $221 | $2,642 |
| State Farm | $300 | $3,594 |
| USAA | $309 | $3,712 |
| Southern Farm Bureau | $348 | $4,177 |
Cheapest Car Insurance For Drivers With An At-Fault Accident
American National average premium of $86 is the most affordable for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $86 | $1,028 |
| State Farm | $158 | $1,906 |
| Travelers | $178 | $2,138 |
| GEICO | $180 | $2,156 |
| USAA | $182 | $2,189 |
Cheapest Car Insurance In South Carolina For Drivers After A DUI
At an average premium of $94, American National provides the best rates for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $94 | $1,126 |
| State Farm | $144 | $1,728 |
| Southern Farm Bureau | $176 | $2,110 |
| Travelers | $187 | $2,238 |
| USAA | $230 | $2,763 |
Average Cost Of Auto Insurance In South Carolina – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $541 | $6,491 |
| 17 | $472 | $5,662 |
| 18 | $425 | $5,099 |
| 19 | $313 | $3,754 |
| 21 | $229 | $2,742 |
| 25 | $183 | $2,197 |
| 35 | $149 | $1,786 |
| 45 | $145 | $1,755 |
| 55 | $134 | $1,604 |
| 65 | $151 | $1,814 |
| 75 | $177 | $2,129 |
Average Cost Of Car Insurance In South Carolina – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,250 |
| Male | Single | $1,350 |
| Female | Married | $1,100 |
| Male | Married | $1,150 |
Average Cost Of Auto Insurance In South Carolina – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $86 | $1,034 |
| Good | $105 | $1,264 |
| Fair | $127 | $1,525 |
| Poor | $151 | $1,819 |
Cheapest Car Insurance In South Carolina By City
| City | Average Monthly Cost | Average Annual Cost |
| Hilton Head Island | $106 | $1,274 |
| Simpsonville | $108 | $1,298 |
| Bluffton | $110 | $1,316 |
| Mauldin | $111 | $1,329 |
| Aiken | $112 | $1,342 |
| Greer | $113 | $1,356 |
| Charleston | $115 | $1,369 |
Minimum Car Insurance Requirement In South Carolina
South Carolina requires drivers to maintain minimum car insurance coverage:
- PIP: $25,000 per accident
- Property damage liability: $25,000 per accident
All drivers in South Carolina are required by law to carry a specified level of car insurance. This legal obligation, part of the Financial Responsibility Law and No-Fault Law, ensures drivers can manage accident-related costs with necessary coverages like Personal Injury Protection (PIP) and Property Damage Liability (PDL).
South Carolina insurance laws require Personal Injury Protection (PIP), which provides a minimum of $25,000 for medical expenses related to an accident, regardless of fault. This coverage also includes lost wages and death benefits. Property Damage Liability (PDL) is another mandatory coverage, paying up to $25,000 for damage to other people’s property caused by the policyholder. PDL does not cover damages to the policyholder’s own vehicle.
Car Insurance Discounts In South Carolina
When evaluating car insurance options, it’s advantageous to seek out providers offering discounts that match your situation. Additionally, discussing potential discounts with your insurance agent may reveal opportunities for savings. Here’s a summary of common discounts provided by top insurers:
- Multi-policy: Bundle multiple insurance policies for a discount.
- Multi-vehicle: Get a discount for insuring more than one vehicle or combining policies.
- Military: Discounts available for veterans and active-duty members.
- Senior: Offered to drivers aged 55 and older.
- Homeowners: Discounts for those who own their home.
- Good student: For students under 25 maintaining a B average.
- Good driver: Save by having a clean driving record.
- Defensive driving: Earn a discount for completing a defensive driving course.
- Driver training: Discounts for taking a driver education course.
- New car: Vehicles that are no older than three model years may qualify for discounts.
- Safe car: Discounts for cars with safety features such as anti-theft technology.
- Paperless: Save by opting for electronic document delivery.
- Pay-in-full: Discounts available for paying your premium in full.
FAQs
How much is car insurance a month in South Carolina?
Car insurance prices in South Carolina vary widely from month to month, generally ranging from $150 to $300. Factors influencing the cost include your driving record, the type of coverage you choose, and the make and model of your car.
What is the minimum car insurance one must have in South Carolina?
The minimum car insurance in South Carolina consists of $25,000 for Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage.
Which insurance is better in South Carolina?
Deciding on the finest car insurance in South Carolina is contingent upon individual needs. American National and Encompass are renowned for their affordability and dedication to customer satisfaction.
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