Here are key tips to help you confidently shop for car insurance and save in the Palmetto State.
Car Insurance Calculator South Carolina
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
May 20, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 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.
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 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.
| Lowest | American National P&C | $58 | $701 |
| Highest | Dairyland | $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.
| Lowest | 65 | $150 | $1,806 |
| Highest | 16 | $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.
| Lowest | Excellent | $105 | $1,262 |
| Highest | Poor | $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.
| 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.