Car Insurance Calculator South Carolina


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Get South Carolina Insurance Estimates

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

$155
High
$114
Average
$64
Low

Rates updated:

May 20, 2025

Insurance Carrier
MoneyGeek Score
Average Monthly
Payment
1
92
/of 100
$64
2
GEICO

GEICO

74
/of 100
$94
3
Nationwide

Nationwide

88
/of 100
$104
4
67
/of 100
$127
5
Foremost

Foremost

70
/of 100
$138
6
71
/of 100
$155
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Key Takeaways

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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.

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Our car insurance costs estimates in South Carolina can range anywhere from $963 to $4,555 per year depending on a variety of factors.

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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.

How To Calculate South Carolina Car Insurance Costs and Save Money

Here are key tips to help you confidently shop for car insurance and save in the Palmetto State.

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    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.

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    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.

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    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.

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    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.

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    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 car insurance premium in South Carolina is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Learn more about how each affects rates for South Carolina drivers:

How Much Does Provider Chosen Affect South Carolina Car Insurance Estimates?

The provider you choose is the most influential factor affecting car insurance estimates and quotes in South Carolina. Depending on the provider, your rates can drop 63% or increase by as much as 140% compared to the average for South Carolina drivers.

LowestAmerican National P&C$58$701
HighestDairyland$380$4,555

How Much Does Age Affect South Carolina Car Insurance Estimates?

After your provider, age is the second most important factor for determining car insurance rates for drivers in the Palmetto State. Depending on your age, your rates can go up as much as 101% or decrease by as much as 42% compared to state averages.

No matter which state you're in, car insurance will typically be highest when you are 16 and decrease from there until you are 65.

Lowest65$150$1,806
Highest16$475$5,695

How Much Does Credit Affect South Carolina Car Insurance Estimates?

We found that compared to other factors, credit scores are the third most impactful when insurance companies are determining rates. Depending on your credit, we found that in South Carolina, rates can vary from $105 to $222 monthly for full coverage, but as your credit score goes up, your rates will go down.

LowestExcellent$105$1,262
HighestPoor$222$2,659

How Much Does Coverage Affect South Carolina Car Insurance Estimates?

Coverage is the fourth most important factor in determining auto insurance rates, causing rates to vary from $963 per year for minimum coverage to $2,112 yearly for full coverage. The higher your coverage level for liability auto insurance, and the lower your deductible for collision and comprehensive coverages, the more expensive pricing gets.

LowestState Minimum Liability Only$80$963
Highest300/500/300 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.

LowestClean$158$1,899
HighestAccident$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?

How much is South Carolina car insurance on average?

How do I get the best car insurance in South Carolina?

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 headshot

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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