Best Car Insurance in South Carolina

Auto-Owners is the best overall car insurance company in South Carolina, earning a MoneyGeek score of 4.65 out of 5 for its strong customer service, affordable rates and comprehensive coverage options. Many policyholders stay loyal because its claims process is smooth and agents are easy to reach. 

Travelers prioritizes flexibility over rock-bottom pricing. You'll find add-ons here that other insurers skip, like accident forgiveness and new car replacement, for drivers who want coverage built around their specific needs. Your choice depends on what matters more: consistent savings and reliable service with Auto-Owners, or a policy you can tailor with Travelers.

Our general recommendations provide a starting point, but your specific profile might need different coverage options. Compare these top five South Carolina insurance providers to find coverage that matches your unique needs.

*We modified the categories above based on a male driver, 40 years of age, with good credit and also a clean driving record, who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.

Finding the right car insurance in South Carolina can be challenging. Our guide helps you choose coverage that fits your needs and budget.

The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall, while Travelers and Farm Bureau are also good options for drivers in South Carolina.

Finding the right car insurance depends on your individual needs, so we've gathered answers to common questions about choosing the best coverage for you.

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in South Carolina. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

• Affordability (60% of score): We look at quotes for different driver profiles and compare rates within South Carolina. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
• Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on South Carolina-specific feedback to get an accurate score.
• Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.