These tips will help you shop for car insurance with confidence and save money in the Palmetto State.
Car Insurance Calculator South Carolina
Updated: November 27, 2025
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Get South Carolina Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
Dec 12, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 92 /of 100 | $64 |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 |  Allstate | 67 /of 100 | $127 |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 |  Progressive | 71 /of 100 | $155 |
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Key Takeaways
Insurers in South Carolina will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in South Carolina can range anywhere from $963 to $4,555 per year depending on a variety of factors.
To get the best deal on South Carolina car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
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How To Calculate South Carolina Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To ensure you don't end up with more coverage than necessary, determine your coverage needs prior to shopping. Consider factors like your location, driving habits, vehicle type and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Check the average car insurance costs in South Carolina for your chosen coverage level and driver profile. This helps you understand potential savings when comparing quotes. Also, look for discounts you qualify for to explore personal savings opportunities.
Research the Cheapest Providers for You
With your coverage needs and cost research ready, start seeking provider estimates to identify who might offer the cheapest car insurance in South Carolina. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
By comparing multiple providers in South Carolina, you can save significantly. Savings can be up to 54% on full coverage and 57% on minimum coverage. Utilize comparison sites, brokers, insurers' websites and direct agencies as prices vary.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less. Telematics insurance rewards good driving with discounts, and automaker insurance programs may offer cost savings and additional benefits.
What Affects Your South Carolina Car Insurance Estimates?
Your South Carolina car insurance premium depends on four factors: your vehicle, driver profile, location and insurance provider:
How Much Does Provider Chosen Affect South Carolina Car Insurance Estimates?
Your insurance company has the biggest impact on your South Carolina car insurance rates. Premiums vary by up to 63% lower or 140% higher than the state average depending on the provider.
| Lowest | American National P&C | $58 | $701 |
| Highest | Dairyland | $380 | $4,555 |
How Much Does Age Affect South Carolina Car Insurance Estimates?
Age is the second-biggest factor affecting South Carolina car insurance rates. Premiums vary by up to 101% higher or 42% lower than the state average depending on age. Rates peak at age 16 and decline until around age 65.
| Lowest | 65 | $150 | $1,806 |
| Highest | 16 | $475 | $5,695 |
How Much Does Credit Affect South Carolina Car Insurance Estimates?
Credit scores are the third-biggest factor affecting South Carolina car insurance rates. Full coverage costs range from $105 to $222 monthly depending on your credit. Better credit scores lower your rates.
| Lowest | Excellent | $105 | $1,262 |
| Highest | Poor | $222 | $2,659 |
How Much Does Coverage Affect South Carolina Car Insurance Estimates?
Coverage is the fourth-biggest factor in determining auto insurance rates. Rates vary from $963 annually for minimum coverage to $2,112 for full coverage. Higher liability auto insurance limits and lower deductibles for collision and comprehensive coverage increase your costs.
| Lowest | State Minimum Liability Only | $80 | $963 |
| Highest | 300/500/300 Full Cov. w/$1,500 Ded. | $176 | $2,112 |
How Much Does Driving Record Affect South Carolina Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in South Carolina with rates changing up to 13%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $158 | $1,899 |
| Highest | Accident | $229 | $2,744 |
South Carolina Car Insurance Calculator: Bottom Line
Before you choose, look into car insurance costs and coverage. Then use our calculator for estimates. Compare these with lots of other quotes. Match them up to find the best deal for you.
South Carolina Car Insurance Estimate: FAQ
Below you will find answers to common questions about South Carolina car insurance costs and estimates. Learn about what affects your rates and how to plan for the state's minimum coverage requirements.
What is used to determine South Carolina car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is South Carolina car insurance on average?
South Carolina car insurance averages around $110 to $340 monthly. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $70 per month to up to $500 monthly on average.
How do I get the best car insurance in South Carolina?
To secure the best car insurance in South Carolina, assess your coverage needs, compare providers and rates and utilize an online insurance quote calculator.
Ensure you understand your required coverage level, investigate different insurers, and apply a car insurance quote tool to find quality coverage that suits your budget.
Our South Carolina Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.