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Auto-Owners Insurance Co is the best auto insurance provider in South Carolina for full and minimum coverage. It is also the leading option for customer service, young adults, seniors, military members and those with a history of driving violations. Travelers is the best option for new car drivers.

If affordability is your primary concern, MoneyGeek also compiled a list of the cheapest car insurance in South Carolina.

MoneyGeek Logo IconBestCar InsuranceSouth Carolina
2023

Best Car Insurance in South Carolina

Best Overall for Car Insurance in South Carolina

Auto-Owners Insurance Co offers the best full coverage auto insurance in South Carolina. The following companies excelled in MoneyGeek's analysis:

  • Auto-Owners Insurance Co: MoneyGeek score of 94 out of 100 ($842 per year)
  • American National P&C: MoneyGeek score of 93 out of 100 ($463 per year)

Of the nine insurers that we ranked, American National P&C has the highest affordability and customer service ratings. MoneyGeek also found the cheapest full coverage auto insurance in South Carolina for those looking to save the most money.

MoneyGeek Top Pick

Auto-Owners Insurance
COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is the best auto insurance provider in South Carolina. It has the second-cheapest rates and offers a fair amount of coverage options. This insurer's full coverage policy will cost you an average of $842 per year. Its diminished value coverage is rarely offered by other insurers in the state.

Auto-Owners Insurance Co received high ratings from MoneyGeek for customer satisfaction, affordability, claims management and coverage options. The insurer offers outstanding coverage options that will lower your long-term costs.

It provides diminished value coverage, which is a unique and uncommon insurance product. This protects your investment by compensating you for the value loss of your vehicle. Auto-Owners Insurance Co also offers accident forgiveness, deductible modification and gap insurance coverage. With accident forgiveness coverage, your premium won’t increase after your first at-fault accident.

Similarly, with deductible modification coverage, your collision deductible will be eliminated if you are in a collision with another vehicle insured by Auto-Owners Insurance Co. In the event of an accident, gap insurance will pay the difference between the current value of your vehicle and the amount remaining on your lease or loan.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

MoneyGeek Runner-Up

American National P&C
COMPANY HIGHLIGHTS

American National P&C is the second-best car insurance provider in South Carolina due to its exceptional customer satisfaction and affordable policies. It provides the most affordable policy, with an annual average cost of $463 for full coverage. Though it received high ratings for customer satisfaction and affordability, its claims management score could be improved.

American National P&C offers gap insurance and spare parts coverage in addition to standard coverage options, like roadside assistance. Gap insurance, which should be combined with comprehensive and collision coverage, covers the difference between the amount you owe on your vehicle and its cash value if it’s stolen or totaled.

Spare parts coverage, which is rarely offered by other insurers, compensates policyholders for up to $1,000 to replace their spare parts if they’re destroyed in a covered loss. Roadside assistance, commonly offered by other insurers, provides 24/7 assistance if your car breaks down on the road.

Other advantages of auto insurance from American National P&C include an early signing discount. The insurer offers premium discounts to customers who apply for new coverage before their current policy ends. Policyholders can save more money insuring multiple cars or bundling insurance policies.

How the Best Insurers in South Carolina Rank: MoneyGeek Scores and Costs

Auto-Owners Insurance Co came out on top among the 10 insurers we ranked in South Carolina due to its superior service and affordable insurance. American National P&C, which is more affordable, came in second place in MoneyGeek's analysis, but it lacks in claims management.

American Family, another provider in South Carolina, may be better suited for those who want additional coverage options. However, these added coverage options are accompanied by increased rates and an average claims satisfaction rating.

MoneyGeek only ranked insurers where data was available for all components of our scoring system (affordability, customer service, claims management, etc.).

Company
MoneyGeek Score (out of 100)
Annual Premium
Satisfaction Score (out of 5)
Affordability Score (out of 5)
Claims Score (out of 5)
Coverages Score (out of 5)
Stability Score (out of 5)

Auto-Owners Insurance Co

94

$842

4.57

4.49

3.30

3.75

5.00

American National P&C

93

$463

4.73

5.00

2.30

3.75

3.00

USAA

93

$897

5.00

4.42

2.50

2.50

5.00

American Family

90

$1,009

3.57

4.26

2.70

5.00

3.00

State Farm

89

$1,043

4.10

4.22

2.10

2.50

5.00

Travelers

89

$1,195

3.64

4.01

2.50

3.75

5.00

GEICO

88

$1,046

3.75

4.21

2.20

2.50

5.00

Progressive

88

$1,529

3.80

3.56

2.40

3.75

4.00

Allstate

87

$1,139

3.46

4.09

1.90

3.75

4.00

Bristol West

82

$2,800

3.77

1.85

2.30

2.50

3.00

Dairyland

No Score

$4,175

4.46

0.00

No Score

3.75

4.00

South Carolina Farm Bureau

No Score

$875

4.95

4.45

No Score

2.50

2.00

Southern Farm Bureau

No Score

$875

4.90

4.45

No Score

2.50

2.00

Louisiana Farm Bureau

No Score

$875

5.00

4.45

No Score

2.50

2.00

Best Car Insurance in South Carolina for Customer Service

*Auto-Owners Insurance Co is the best car insurer in South Carolina for customer service. For this category, we didn’t take cost into consideration when choosing our top providers. These are our top two picks:

  • Auto-Owners Insurance Co: MoneyGeek score of 92 out of 100 ($842 per year)
  • American National P&C: MoneyGeek score of 90 out of 100 ($463 per year)

American National P&C has the highest ratings for customer service and offers a fair amount of coverage options, but Auto-Owners Insurance Co performs marginally better than its counterpart in terms of claims management.

Auto-Owners Insurance

pros

Has the second-cheapest rates at $842 per year

Has excellent customer satisfaction rating

Provides a coverage package

cons

Does not offer new car replacement

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co provides both outstanding service and affordable rates, which should be your top priorities when choosing an auto insurance provider. The insurer offers the second-cheapest premiums, averaging $842 for full coverage.

In addition to affordability and customer service, the insurer also offers a few rare coverage options, like a unique coverage package. The Personal Automobile Plus Package offered by Auto-Owners Insurance Co simplifies your life by bundling various optional coverages into a single, competitive rate.

This comprehensive package encompasses over 10 additional coverages, safeguarding you against various expenses such as identity theft, rekeying locks, replacing your cell phone and more. The insurer also provides diminished value coverage. In the event of an accident involving your vehicle, its value may decrease even after the necessary repairs have been carried out. This coverage safeguards your investment and guarantees that you receive compensation for any reduction in value.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer the Best for Customer Service?

Superior customer service is demonstrated when insurers respond promptly to policyholders’ issues. The best company in South Carolina for customer service will be responsive to customer concerns, systematic in managing concerns and expeditious in paying valid claims.

Of the nine insurers that we ranked, Auto-Owners Insurance Co has excellent ratings for customer satisfaction and claims management. It is also the second-cheapest option. However, if coverage options are your main priority, you should consider American Family.

Best Car Insurance in South Carolina for Minimum Coverage

Auto-Owners Insurance Co offers the best minimum coverage auto insurance in South Carolina that complies with the state’s minimum coverage requirements. Rankings for this category were based on affordability and service quality. Our top-two recommendations in this category are:

  • Auto-Owners Insurance Co: MoneyGeek score of 94 out of 100 ($396 per year)
  • American National P&C: MoneyGeek score of 93 out of 100 ($251 per year)

Although Auto-Owners Insurance Co is an affordable option for most South Carolina drivers, it should be noted that minimum coverage policies provide the least protection against liability costs and do not cover vehicle damage.

If you're considering other options, MoneyGeek compared the best cheap minimum car insurance providers in South Carolina.

Auto-Owners Insurance

pros

Has the second-cheapest rate at $396 per year

Offers bundling, multiple cars and early signing discounts

High rating for customer satisfaction

cons

Does not offer automatic payment discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co provides the second-cheapest minimum coverage auto insurance in South Carolina. In addition to affordability, the insurer also excels when it comes to customer service and claims management.

Auto-Owners Insurance Co offers different discounts that reduce your costs even further. For instance, it provides a unique discount for early signing that is not available from other providers. New applicants who request a premium quote before the policy's effective date can avail this discount.

If you have insured two or more private passenger vehicles under your personal auto policy, you might be eligible for a multiple car discount. Additionally, by having other qualifying policies with Auto-Owners Insurance Co, you can enjoy savings on your premiums. However, the insurer does not offer other discounts, such as automatic payment discount.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer the Best for Minimum Coverage?

Providers that offer good minimum coverage policies will provide the cheapest rates for the coverage levels required by the state, in addition to discounts that can further reduce your premium. Often, you may have to compromise when it comes to cost and service quality, but our top pick, Auto-Owners Insurance Co excels at both.

We chose this insurer because of its cheap rate, exceptional customer service and numerous discount opportunities. The runner-up, American National P&C, is more affordable but lacks in claims management.

Best Car Insurance in South Carolina for Young Adults

Auto-Owners Insurance Co offers the best car insurance in South Carolina for young adults. The following insurance providers offer drivers in their 20s the cheapest premiums and best customer service:

  • Auto-Owners Insurance Co: MoneyGeek score of 77 out of 100 ($1,086 per year)
  • American National P&C: MoneyGeek score of 83 out of 100 ($548 per year)

Auto-Owners Insurance Co has excellent ratings for affordability and customer satisfaction, making it our top choice. Drivers in their 20s pay less than teen drivers but more than middle-aged drivers for car insurance.

If you're looking for a bargain, MoneyGeek recommends comparing costs to find the cheapest car insurance for young drivers in South Carolina.

Auto-Owners Insurance

pros

Has the third-cheapest rates at $1,086 per year

Offers good student and teen driver monitoring discounts

Excellent customer satisfaction rating

cons

Does not offer automatic payment discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is MoneyGeek's top recommendation for young drivers in their 20s due to its competitive rates and excellent customer service. Of the ten insurers we ranked, the company ranked high in terms of affordability and customer satisfaction, earning a total MoneyGeek score of 94 out of 100.

The insurer also offers student-specific discount such as good student discount. If students maintain a cumulative grade-point average of "B" or higher, they might be eligible for this discount of up to 20%. Auto-Owners Insurance Co also offers teen driver monitoring discount.

To qualify, you must have a permanently installed GPS in the vehicle that your teenager drives most frequently or enroll your teen in an eligible app on their smartphone. Policyholders can also take advantage of its early signing discount. New applicants who ask for a premium quote before the policy becomes effective are eligible for this discount.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer the Best for Young Adults?

A perfect insurer provides affordable rates and offers discount opportunities while maintaining excellent customer service and adequate coverage. Since insurers frequently charge higher rates to young adults, you can look for companies that provide discounts.

Auto-Owners Insurance Co is MoneyGeek's top recommendation for young adults due to its affordable rates, coverage options and discounts. Our runner-up pick, American National P&C is more affordable but it lacks in claims management and has less discounts for young adults.

Best Car Insurance in South Carolina for Seniors

Auto-Owners Insurance Co offers the best auto insurance in South Carolina for seniors. For this category, we evaluated insurers for affordability and service quality, obtaining rates for a 65-year-old driver in South Carolina with a full coverage policy. Our top-two choices are:

  • Auto-Owners Insurance Co: MoneyGeek score of 94 out of 100 ($842 per year)
  • American National P&C: MoneyGeek score of 93 out of 100 ($482 per year)

Auto-Owners Insurance Co has excellents scores for affordability, customer service and coverage options. Drivers in their 60s will pay similar insurance rates to drivers in their 30s, 40s and 50s. However, rates increase as drivers reach their 70s.

By comparing costs from multiple providers, you may find the cheapest car insurance in South Carolina for seniors.

Auto-Owners Insurance

pros

Offers affordable rates at $842 per year

Offers accident forgiveness and deductible modification add-ons

Has high customer satisfaction and coverage options ratings

cons

Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers affordable rates and excellent customer service to senior drivers in South Carolina. It also provides streamlined claims management experience and a number of coverage options. Overall, the insurer received a MoneyGeek score of 94 out of 100.

The insurer offers useful add-on coverages including accident forgiveness, which can be especially helpful for senior drivers. With accident forgiveness coverage, your premium won’t increase after your first at-fault accident.

If you're in an accident with another vehicle insured by Auto-Owners Insurance Co, the insurer will waive your collision deductible under its deductible modification coverage. In addition, if your home and cars are insured with Auto-Owners Insurance Co and you experience a loss that damages both, you can benefit from the common loss deductible.

In such cases, the auto deductible will be reduced by the personal property deductible amount or waived entirely if the auto deductible is lower than the personal property deductible.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer the Best for Seniors?

Seniors, despite being among the safest drivers on the road, are more likely to experience critical injuries in a collision due to their age. As such, insurers may charge them more. We recommend that senior drivers obtain affordable full coverage insurance with personal injury protection (PIP) to offset medical expenses. Auto-Owners Insurance Co is our top choice because of its affordable premiums and coverage options.

Best Car Insurance in South Carolina for Drivers With Offenses

Auto-Owners Insurance Co provides the best car insurance in South Carolina for drivers with offenses like speeding tickets, at-fault accidents and DUIs. Listed below are our top recommendations based on cost and service quality:

  • Auto-Owners Insurance Co: MoneyGeek score of 94 out of 100 ($1,298 per year)
  • American National P&C: MoneyGeek score of 93 out of 100 ($604 per year)

Auto-Owners Insurance Co offers affordable rates along with high-quality customer service and a good amount of coverage options. In South Carolina, having a speeding ticket, at-fault accident or DUI on your driving record will increase your premium by an average of $305, $496 and $414, respectively.

Though drivers with violations on their records will pay more for insurance, they can still find relatively inexpensive rates by comparison shopping for the cheapest car insurance after an incident in South Carolina.

Auto-Owners Insurance

pros

Offers affordable premiums at $1,298 per year

Offers accident forgiveness and roadside assistance

Provides quality customer service

cons

Lacks new car replacement add-on

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers affordable full coverage premiums in South Carolina at $1,298 per year for drivers with less-than-perfect driving records. The insurer provides great customer service, claims management and a wide range of add-ons and discounts.

If you buy the accident forgiveness benefit, Auto-Owners Insurance Co will waive the Accident Surcharge for your first at-fault accident after you purchase this benefit. To qualify for this benefit, you must not have any paid at-fault claims or major violations in the 36 months before purchasing it.

With this insurer’s roadside assistance coverage, you can receive help 24/7 if you get a flat, run out of gas or are locked out of your car. To reduce the cost of their annual premium, drivers with violations can bundle insurance policies, insure multiple cars or pay in full.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer the Best for Drivers With Offenses?

Drivers with offenses, also known as high-risk drivers, typically pay significantly more for insurance. An ideal insurer for these types of drivers provides discounts, lower rates and accident forgiveness.

Auto-Owners Insurance Co has affordable rates for high-risk drivers in South Carolina while offering excellent customer service and a variety of useful coverages for those in this driving profile.

Best Car Insurance in South Carolina for Drivers With New Cars

Travelers provides the best insurance for new car owners in South Carolina. For this category, we only ranked insurers that offered new or better car replacement coverage. Our top-two choices are:

  • Travelers: MoneyGeek score of 91 out of 100 ($1,218 per year)
  • Allstate: MoneyGeek score of 77 out of 100 ($1,516 per year)

Of the two insurers we evaluated in this category, Travelers has the cheapest rates and offers the best customer service.

New or better car replacement coverage is a valuable add-on option for drivers with brand new vehicles. If you have new car replacement coverage and total your new vehicle, your provider will replace your car with a new one of equal value.

Travelers

pros

Has the cheapest rates $1,218 per year

Offers new car replacement coverage

Provides quality customer service

cons

Has a poor rating for claims management

COMPANY HIGHLIGHTS

Travelers is the best auto insurance company for new car owners in South Carolina. It offers the most affordable plans and provides numerous discount opportunities for bundling insurance policies, insuring multiple cars, having high grades, safe driving and more.

If your new automobile (less than five years old) is totaled, Travelers' new car replacement coverage will pay to replace it with a brand-new car of the same make and model. This differs from most car insurance policies which only cover the vehicle's depreciated value.

Travelers' additional coverages include roadside assistance, rental car and/or travel reimbursement, accident forgiveness, gap insurance and rideshare insurance. Although the insurance company received better scores for customer satisfaction, its claims management is subpar.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer the Best for Drivers With New Cars?

To safeguard their investment, drivers with new cars need adequate insurance coverage. These drivers stand to gain the most from purchasing new or better car replacement coverage. As such, we recommend looking for a relatively affordable insurer that offers this coverage.

Travelers, our top pick for car insurance for drivers with new cars, has affordable annual premiums, offers new car replacement coverage and provides additional coverages like accident forgiveness and gap insurance.

Best Car Insurance in South Carolina for Military Drivers

With a MoneyGeek score of 94 out of 100, Auto-Owners Insurance Co came in first place in our review of the best car insurance in South Carolina for military personnel. It provides the second-most affordable annual premium for full coverage in the state at $842

If you meet its eligibility requirements, USAA is another good option. While it ranks third in our analysis of South Carolina insurers, it provides affordable insurance and coverages that are tailored to the needs of military personnel and their families.

Auto-Owners Insurance

pros

Has the second-cheapest rates at $842 per year

Offers rental car and/or travel reimbursement and a coverage package

Offers excellent customer service

cons

No defensive driving discount

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is the best insurance company in South Carolina for drivers with a military background. The insurer has the second-cheapest rates and offers excellent customer service with multiple add-ons.

Auto-Owners Insurance Co’s rental car and/or travel reimbursement can be handy after an accident. This coverage can assist you in paying for a rental car, as well as incidental expenses like food and lodging, in case you're stranded away from home.

In addition, by bundling multiple optional coverages into one competitive rate, Auto-Owners Insurance Co’s Personal Automobile Plus Package can simplify your life. This package offers more than 10 additional coverages, protecting you from expenses like identity theft, re-keying locks, replacing your cell phone and much more.

Military members and their families can take advantage of the insurer’s discounts by insuring multiple vehicles, bundling insurance policies, paying in full and safe driving.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

How to Find the Best Car Insurance in South Carolina for You

When searching for the best auto insurance in South Carolina, you must take a variety of factors into consideration. Choose an insurer that balances cost, customer satisfaction and claims management.

MoneyGeek compiled information to help you, but if you’d like to do your own research, we suggest taking the following steps.

1

Research customer service reputations in South Carolina

To find the best insurance companies in South Carolina, MoneyGeek gathered auto insurance quotes for a sample driver from a number of insurers. In addition, we evaluated insurers for their J.D. Power customer satisfaction ratings and NAIC complaint history. We recommend reviewing the website for the South Carolina Department of Insurance to learn more about different providers.

2

Compare quotes

MoneyGeek utilized average quotes from a sample of representative drivers across the state of South Carolina. However, your rate may vary based on where you live. To get an idea of how much you should expect to pay for insurance, we suggest obtaining quotes from at least three different providers.

3

Find the coverages you want in South Carolina

Before purchasing an auto insurance policy from a provider, it’s essential to review the coverage options and discounts you need. Insurers frequently advertise coverages and discounts on their website that aren’t available nationwide. Because of this, it’s important to confirm that the coverage you want is available in your state prior to applying.

4

Check financial stability ratings

When choosing an insurance provider, it is also crucial to consider its financial stability. Generally, larger insurance companies have a strong financial stability and are more able to fulfill claims, while smaller, regional insurers may struggle to fulfill claims.

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQs About the Best Car Insurance in South Carolina

The best auto insurer for you will depend on your needs and driving profile. We answered the most frequently asked questions to help you make the best decision.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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