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American National offers the cheapest auto insurance for minimum coverage in South Carolina. Auto-Owners also has the most affordable rates for certain types of drivers.

Those who seek quality service at a reasonable price should consider the top-rated car insurance companies in South Carolina.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in South Carolina (October 2023)

The cheapest car insurance companies for a minimum coverage policy in South Carolina are:

  • American National: $280 per year
  • Auto-Owners: $444 per year

Dairyland offers the most expensive option at $2,163 annually. South Carolina minimum coverage only includes bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.

Company
Annual Premium
Monthly Premium

American National P&C

$280

$23

American National P&C

$317

$26

American National P&C

$320

$27

Auto-Owners Insurance Co

$444

$37

South Carolina Farm Bureau

$461

$38

Auto-Owners Insurance Co

$463

$39

American National P&C

$501

$42

Progressive

$506

$42

South Carolina Farm Bureau

$508

$42

American National P&C

$524

$44

Progressive

$546

$45

American Family

$551

$46

American Family

$552

$46

Auto-Owners Insurance Co

$565

$47

GEICO

$567

$47

GEICO

$590

$49

American National P&C

$593

$49

American Family

$619

$52

Progressive

$632

$53

Allstate

$639

$53

South Carolina Farm Bureau

$658

$55

State Farm

$686

$57

State Farm

$718

$60

Allstate

$754

$63

Allstate

$766

$64

Travelers

$777

$65

GEICO

$805

$67

State Farm

$833

$69

South Carolina Farm Bureau

$850

$71

Travelers

$855

$71

Travelers

$890

$74

Auto-Owners Insurance Co

$939

$78

Auto-Owners Insurance Co

$939

$78

South Carolina Farm Bureau

$950

$79

American Family

$1,083

$90

GEICO

$1,127

$94

GEICO

$1,163

$97

American Family

$1,165

$97

South Carolina Farm Bureau

$1,201

$100

Auto-Owners Insurance Co

$1,215

$101

Allstate

$1,261

$105

Progressive

$1,304

$109

Travelers

$1,328

$111

American Family

$1,336

$111

State Farm

$1,345

$112

Allstate

$1,351

$113

Allstate

$1,409

$117

Travelers

$1,418

$118

State Farm

$1,450

$121

Progressive

$1,461

$122

GEICO

$1,555

$130

Travelers

$1,593

$133

State Farm

$1,734

$145

Bristol West

$1,741

$145

Progressive

$1,776

$148

Bristol West

$1,824

$152

Dairyland

$2,022

$169

Dairyland

$2,163

$180

Bristol West

$2,433

$203

Dairyland

$2,585

$215

Bristol West

$3,242

$270

Bristol West

$3,475

$290

Dairyland

$3,606

$301

Dairyland

$4,119

$343

Bristol West

$4,485

$374

Dairyland

$4,696

$391

A minimum coverage policy covers damages or injuries to others but not damages to your own car. To avoid paying for damages to your car, you'll want a full coverage policy with comprehensive and collision insurance.

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Cheapest Full Coverage Car Insurance in South Carolina (October 2023)

MoneyGeek found the following companies have the cheapest full coverage rates in South Carolina:

  • American National: $501 per year
  • Auto-Owners: $939 per year

Dairyland offers the most expensive, at around $4,119 per year. On average, adding comprehensive and collision coverage to a policy costs around $221.

A full coverage policy offers financial protection from both on-road and off-road incidents.

Company
Annual Premium
Monthly Premium

American National P&C

$280

$23

American National P&C

$317

$26

American National P&C

$320

$27

Auto-Owners Insurance Co

$444

$37

South Carolina Farm Bureau

$461

$38

Auto-Owners Insurance Co

$463

$39

American National P&C

$501

$42

Progressive

$506

$42

South Carolina Farm Bureau

$508

$42

American National P&C

$524

$44

Progressive

$546

$45

American Family

$551

$46

American Family

$552

$46

Auto-Owners Insurance Co

$565

$47

GEICO

$567

$47

GEICO

$590

$49

American National P&C

$593

$49

American Family

$619

$52

Progressive

$632

$53

Allstate

$639

$53

South Carolina Farm Bureau

$658

$55

State Farm

$686

$57

State Farm

$718

$60

Allstate

$754

$63

Allstate

$766

$64

Travelers

$777

$65

GEICO

$805

$67

State Farm

$833

$69

South Carolina Farm Bureau

$850

$71

Travelers

$855

$71

Travelers

$890

$74

Auto-Owners Insurance Co

$939

$78

Auto-Owners Insurance Co

$939

$78

South Carolina Farm Bureau

$950

$79

American Family

$1,083

$90

GEICO

$1,127

$94

GEICO

$1,163

$97

American Family

$1,165

$97

South Carolina Farm Bureau

$1,201

$100

Auto-Owners Insurance Co

$1,215

$101

Allstate

$1,261

$105

Progressive

$1,304

$109

Travelers

$1,328

$111

American Family

$1,336

$111

State Farm

$1,345

$112

Allstate

$1,351

$113

Allstate

$1,409

$117

Travelers

$1,418

$118

State Farm

$1,450

$121

Progressive

$1,461

$122

GEICO

$1,555

$130

Travelers

$1,593

$133

State Farm

$1,734

$145

Bristol West

$1,741

$145

Progressive

$1,776

$148

Bristol West

$1,824

$152

Dairyland

$2,022

$169

Dairyland

$2,163

$180

Bristol West

$2,433

$203

Dairyland

$2,585

$215

Bristol West

$3,242

$270

Bristol West

$3,475

$290

Dairyland

$3,606

$301

Dairyland

$4,119

$343

Bristol West

$4,485

$374

Dairyland

$4,696

$391

The amount of car insurance you need will significantly affect your rate. MoneyGeek's sample full coverage policy provides $100,000 in liability protection per person, $300,000 per accident and $100,000 in property damage liability.

If you're looking for extra savings on car insurance, you can choose lower liability limits, drop comprehensive and collision insurance or raise your deductible. However, this can leave you underinsured in case of an accident and result in high out-of-pocket costs.

How to Compare Cheap South Carolina Car Insurance Quotes Online

Although many insurers offer quotes online, getting one can take as long as 15 minutes. You also have to cross-compare multiple website offers to find the best deal.

MoneyGeek’s car insurance calculator can help you get a general idea of what different car insurance companies charge without having to provide any personal information. It's a good tool to start with when shopping for the cheapest car insurance.

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GEICO

Cheapest Car Insurance in South Carolina by Age (October 2023)

Age is one of the biggest factors affecting car insurance rates in South Carolina. MoneyGeek found that Auto-Owners and American National offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Auto-Owners
Cheapest for young adults: American National
Cheapest for seniors: American National

Cheapest Car Insurance in South Carolina for Teens and Their Families (October 2023)

The companies offering the most affordable car insurance for teens in South Carolina are:

  • Auto-Owners Insurance Co: $2,558 per year for male teens and $2,119 per year for female teens
  • State Farm: $2,729 per year for male teens and $2,178 per year for female teens

Teens pay a diminishing car insurance premium as they age, giving 19-year-old drivers the most discount among this age group. South Carolina's cheapest car insurer for 19-year-old males is Auto-Owners Insurance Co ($1,800 per year).

Bristol West offers the most expensive option, at $6,141 for male teens and $6,316 for female teens. Families can save around $2,539 by adding teenagers to their existing auto insurance policy instead of buying a separate policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$768

$1,186

State Farm

$838

$1,294

GEICO

$853

$1,411

State Farm

$902

$1,392

GEICO

$931

$1,540

State Farm

$992

$1,530

GEICO

$1,018

$1,683

Travelers

$1,094

$1,370

Auto-Owners Insurance Co

$1,101

$1,063

GEICO

$1,119

$1,851

Travelers

$1,124

$1,424

Allstate

$1,156

$1,228

Auto-Owners Insurance Co

$1,163

$1,110

State Farm

$1,178

$1,294

Travelers

$1,184

$1,483

GEICO

$1,187

$1,416

Travelers

$1,211

$1,517

Travelers

$1,226

$1,553

Travelers

$1,229

$1,723

Auto-Owners Insurance Co

$1,230

$1,174

Allstate

$1,244

$1,322

Auto-Owners Insurance Co

$1,245

$1,201

Allstate

$1,271

$1,351

Travelers

$1,277

$1,600

Allstate

$1,288

$1,368

Travelers

$1,305

$1,654

Auto-Owners Insurance Co

$1,306

$1,247

State Farm

$1,314

$1,443

Auto-Owners Insurance Co

$1,326

$1,280

State Farm

$1,334

$1,642

Auto-Owners Insurance Co

$1,340

$1,575

Allstate

$1,348

$1,432

GEICO

$1,349

$1,610

Travelers

$1,402

$2,005

Auto-Owners Insurance Co

$1,404

$1,340

Travelers

$1,425

$1,998

Allstate

$1,425

$1,509

Auto-Owners Insurance Co

$1,427

$1,438

Travelers

$1,431

$1,813

State Farm

$1,443

$1,585

Travelers

$1,464

$2,878

Auto-Owners Insurance Co

$1,467

$1,416

GEICO

$1,468

$1,752

Allstate

$1,477

$1,569

Allstate

$1,498

$1,592

State Farm

$1,511

$1,861

Auto-Owners Insurance Co

$1,550

$1,821

Auto-Owners Insurance Co

$1,558

$1,570

Allstate

$1,569

$1,667

State Farm

$1,582

$1,947

Auto-Owners Insurance Co

$1,587

$1,912

Allstate

$1,591

$1,756

State Farm

$1,613

$1,771

GEICO

$1,616

$1,929

Travelers

$1,645

$2,307

GEICO

$1,654

$2,047

GEICO

$1,660

$1,951

Travelers

$1,662

$2,378

State Farm

$1,688

$2,078

State Farm

$1,701

$2,354

Auto-Owners Insurance Co

$1,718

$1,731

Auto-Owners Insurance Co

$1,740

$2,097

Auto-Owners Insurance Co

$1,759

$2,490

Allstate

$1,770

$1,873

Travelers

$1,778

$3,583

Auto-Owners Insurance Co

$1,800

$2,114

Travelers

$1,811

$3,561

State Farm

$1,835

$2,259

Allstate

$1,837

$1,945

GEICO

$1,875

$2,321

Progressive

$1,896

$2,533

Progressive

$1,904

$1,839

State Farm

$1,924

$2,663

GEICO

$1,958

$2,302

Travelers

$1,969

$2,817

Auto-Owners Insurance Co

$2,002

$2,834

Progressive

$2,007

$1,859

State Farm

$2,083

$2,564

Allstate

$2,089

$2,306

State Farm

$2,112

$2,921

Progressive

$2,112

$2,041

Progressive

$2,116

$2,877

Auto-Owners Insurance Co

$2,119

$2,554

GEICO

$2,161

$2,675

Allstate

$2,170

$2,396

State Farm

$2,178

$3,014

Progressive

$2,197

$2,035

GEICO

$2,236

$2,629

Travelers

$2,245

$4,524

Progressive

$2,338

$2,259

Progressive

$2,346

$2,173

Allstate

$2,381

$2,505

State Farm

$2,405

$3,326

Travelers

$2,422

$4,764

Allstate

$2,497

$2,627

Progressive

$2,514

$2,328

Auto-Owners Insurance Co

$2,558

$3,621

GEICO

$2,596

$3,129

Progressive

$2,610

$2,522

Progressive

$2,674

$3,571

GEICO

$2,679

$3,057

State Farm

$2,729

$3,774

Allstate

$2,753

$2,897

Progressive

$2,811

$8,263

Allstate

$2,835

$3,089

Progressive

$2,947

$4,007

Allstate

$2,981

$3,247

GEICO

$3,006

$3,624

GEICO

$3,006

$3,624

Travelers

$3,074

$6,194

Progressive

$3,083

$4,118

Progressive

$3,107

$9,128

GEICO

$3,114

$3,554

GEICO

$3,114

$3,554

Progressive

$3,268

$9,605

Allstate

$3,295

$3,589

Progressive

$3,320

$9,757

Progressive

$3,441

$4,678

Bristol West

$3,481

$4,014

Progressive

$3,556

$10,448

Progressive

$3,608

$10,601

Bristol West

$3,653

$6,366

Bristol West

$3,661

$3,552

Bristol West

$3,711

$6,514

Bristol West

$3,725

$3,677

Bristol West

$3,780

$3,668

Bristol West

$3,814

$3,701

Bristol West

$3,876

$3,761

Bristol West

$3,908

$6,860

Bristol West

$3,940

$6,866

Bristol West

$3,941

$4,602

Bristol West

$4,036

$3,984

Bristol West

$4,244

$4,189

Bristol West

$4,424

$4,367

Bristol West

$4,581

$5,282

Bristol West

$4,965

$5,798

Bristol West

$5,071

$5,847

Bristol West

$5,277

$6,163

Bristol West

$6,141

$10,780

Bristol West

$6,316

$11,006

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Many insurers offer discounts to young drivers. For example, Allstate offers good student and distant student discounts, which are common across insurers.

Cheapest Car Insurance in South Carolina for Young Adults (October 2023)

Our ranking shows that the companies offering the cheapest car insurance for drivers in their 20s in South Carolina are:

  • American National: $593 per year
  • South Carolina Farm Bureau: $1,201 per year

Dairyland offers the most expensive full coverage policy, at about $4,696 yearly. On average, younger drivers pay $92 more than middle-aged drivers with American National.

Company
Annual Premium
Monthly Premium

American National P&C

$280

$23

American National P&C

$317

$26

American National P&C

$320

$27

Auto-Owners Insurance Co

$444

$37

South Carolina Farm Bureau

$461

$38

Auto-Owners Insurance Co

$463

$39

American National P&C

$501

$42

Progressive

$506

$42

South Carolina Farm Bureau

$508

$42

American National P&C

$524

$44

Progressive

$546

$45

American Family

$551

$46

American Family

$552

$46

Auto-Owners Insurance Co

$565

$47

GEICO

$567

$47

GEICO

$590

$49

American National P&C

$593

$49

American Family

$619

$52

Progressive

$632

$53

Allstate

$639

$53

South Carolina Farm Bureau

$658

$55

State Farm

$686

$57

State Farm

$718

$60

Allstate

$754

$63

Allstate

$766

$64

Travelers

$777

$65

GEICO

$805

$67

State Farm

$833

$69

South Carolina Farm Bureau

$850

$71

Travelers

$855

$71

Travelers

$890

$74

Auto-Owners Insurance Co

$939

$78

Auto-Owners Insurance Co

$939

$78

South Carolina Farm Bureau

$950

$79

American Family

$1,083

$90

GEICO

$1,127

$94

GEICO

$1,163

$97

American Family

$1,165

$97

South Carolina Farm Bureau

$1,201

$100

Auto-Owners Insurance Co

$1,215

$101

Allstate

$1,261

$105

Progressive

$1,304

$109

Travelers

$1,328

$111

American Family

$1,336

$111

State Farm

$1,345

$112

Allstate

$1,351

$113

Allstate

$1,409

$117

Travelers

$1,418

$118

State Farm

$1,450

$121

Progressive

$1,461

$122

GEICO

$1,555

$130

Travelers

$1,593

$133

State Farm

$1,734

$145

Bristol West

$1,741

$145

Progressive

$1,776

$148

Bristol West

$1,824

$152

Dairyland

$2,022

$169

Dairyland

$2,163

$180

Bristol West

$2,433

$203

Dairyland

$2,585

$215

Bristol West

$3,242

$270

Bristol West

$3,475

$290

Dairyland

$3,606

$301

Dairyland

$4,119

$343

Bristol West

$4,485

$374

Dairyland

$4,696

$391

Cheapest Car Insurance in South Carolina for Seniors (October 2023)

We looked at the cost of auto insurance in South Carolina for seniors and found that the cheapest options come from:

  • American National: $524 per year
  • South Carolina Farm Bureau: $850 per year

Dairyland offers the highest-priced full coverage policy, costing around $3,606 per year. For full coverage from American National, senior drivers pay $23 more than middle-aged drivers. Note that car insurance rates tend to rise as drivers approach their 70s and 80s.

Company
Annual Premium
Monthly Premium

American National P&C

$280

$23

American National P&C

$317

$26

American National P&C

$320

$27

Auto-Owners Insurance Co

$444

$37

South Carolina Farm Bureau

$461

$38

Auto-Owners Insurance Co

$463

$39

American National P&C

$501

$42

Progressive

$506

$42

South Carolina Farm Bureau

$508

$42

American National P&C

$524

$44

Progressive

$546

$45

American Family

$551

$46

American Family

$552

$46

Auto-Owners Insurance Co

$565

$47

GEICO

$567

$47

GEICO

$590

$49

American National P&C

$593

$49

American Family

$619

$52

Progressive

$632

$53

Allstate

$639

$53

South Carolina Farm Bureau

$658

$55

State Farm

$686

$57

State Farm

$718

$60

Allstate

$754

$63

Allstate

$766

$64

Travelers

$777

$65

GEICO

$805

$67

State Farm

$833

$69

South Carolina Farm Bureau

$850

$71

Travelers

$855

$71

Travelers

$890

$74

Auto-Owners Insurance Co

$939

$78

Auto-Owners Insurance Co

$939

$78

South Carolina Farm Bureau

$950

$79

American Family

$1,083

$90

GEICO

$1,127

$94

GEICO

$1,163

$97

American Family

$1,165

$97

South Carolina Farm Bureau

$1,201

$100

Auto-Owners Insurance Co

$1,215

$101

Allstate

$1,261

$105

Progressive

$1,304

$109

Travelers

$1,328

$111

American Family

$1,336

$111

State Farm

$1,345

$112

Allstate

$1,351

$113

Allstate

$1,409

$117

Travelers

$1,418

$118

State Farm

$1,450

$121

Progressive

$1,461

$122

GEICO

$1,555

$130

Travelers

$1,593

$133

State Farm

$1,734

$145

Bristol West

$1,741

$145

Progressive

$1,776

$148

Bristol West

$1,824

$152

Dairyland

$2,022

$169

Dairyland

$2,163

$180

Bristol West

$2,433

$203

Dairyland

$2,585

$215

Bristol West

$3,242

$270

Bristol West

$3,475

$290

Dairyland

$3,606

$301

Dairyland

$4,119

$343

Bristol West

$4,485

$374

Dairyland

$4,696

$391

Seniors can save on car insurance by taking advantage of discounts and comparing rates since insurers consider factors in addition to age when calculating premiums.

Cheapest Car Insurance for Higher Risk Drivers (October 2023)

American National offers the most affordable full coverage insurance after getting a ticket, being in an accident or being charged with a DUI.

American National is also the cheapest insurer for drivers with poor credit, while Auto-Owners has the most affordable rates for those with sports cars.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American National ($631 per year)
Cheapest after an accident: American National ($631 per year)
Cheapest after a DUI: American National ($706 per year)
Cheapest for poor credit: American National ($1,682 per year)
Cheapest for sports cars: Auto-Owners ($942 per year)

Cheapest Car Insurance in South Carolina After a Ticket

The most affordable car insurance companies in South Carolina for drivers with a speeding ticket are:

  • American National: $631 per year
  • Auto-Owners: $1,032 per year

Dairyland provides full coverage at around $6,173 annually — the most expensive option. Drivers with violations will likely pay approximately $464 more annually for car insurance with American National than those with clean records.

Company
Annual Premium
Monthly Premium

American National P&C

$361

$30

American National P&C

$411

$34

American National P&C

$416

$35

Auto-Owners Insurance Co

$496

$41

Auto-Owners Insurance Co

$516

$43

South Carolina Farm Bureau

$523

$44

South Carolina Farm Bureau

$578

$48

American Family

$583

$49

GEICO

$590

$49

GEICO

$610

$51

American National P&C

$631

$53

Auto-Owners Insurance Co

$636

$53

American National P&C

$671

$56

Progressive

$696

$58

Progressive

$728

$61

American Family

$752

$63

South Carolina Farm Bureau

$756

$63

American National P&C

$761

$63

State Farm

$764

$64

Progressive

$783

$65

State Farm

$801

$67

GEICO

$805

$67

American Family

$859

$72

Allstate

$916

$76

South Carolina Farm Bureau

$932

$78

State Farm

$934

$78

Travelers

$1,027

$86

Auto-Owners Insurance Co

$1,031

$86

Auto-Owners Insurance Co

$1,032

$86

Allstate

$1,034

$86

South Carolina Farm Bureau

$1,045

$87

Allstate

$1,049

$87

Travelers

$1,059

$88

Travelers

$1,136

$95

GEICO

$1,163

$97

GEICO

$1,210

$101

American Family

$1,228

$102

South Carolina Farm Bureau

$1,332

$111

Auto-Owners Insurance Co

$1,346

$112

State Farm

$1,479

$123

American Family

$1,483

$124

GEICO

$1,555

$130

State Farm

$1,593

$133

Allstate

$1,661

$138

Allstate

$1,800

$150

Travelers

$1,838

$153

American Family

$1,862

$155

Allstate

$1,867

$156

State Farm

$1,916

$160

Progressive

$1,931

$161

Travelers

$1,942

$162

Progressive

$1,944

$162

Travelers

$1,953

$163

Progressive

$2,293

$191

Bristol West

$2,419

$202

Bristol West

$2,430

$202

Bristol West

$3,119

$260

Dairyland

$3,151

$263

Dairyland

$3,203

$267

Dairyland

$3,495

$291

Bristol West

$4,449

$371

Bristol West

$4,525

$377

Dairyland

$5,483

$457

Bristol West

$5,689

$474

Dairyland

$5,832

$486

Dairyland

$6,173

$514

Cheapest Car Insurance in South Carolina After an Accident

The following car insurance companies are the cheapest for drivers with an at-fault accident in South Carolina:

  • American National: $631 per year
  • American Family: $1,192 per year

Dairyland’s full coverage policy is the priciest at approximately $6,753. On average, drivers with an at-fault accident on their driving record pay $745 more for car insurance with American National than those who have no accidents.

Company
Annual Premium
Monthly Premium

American National P&C

$361

$30

American National P&C

$411

$34

American National P&C

$416

$35

American Family

$572

$48

South Carolina Farm Bureau

$584

$49

American National P&C

$631

$53

Auto-Owners Insurance Co

$639

$53

South Carolina Farm Bureau

$645

$54

Auto-Owners Insurance Co

$661

$55

American National P&C

$671

$56

American Family

$738

$62

American National P&C

$761

$63

Auto-Owners Insurance Co

$824

$69

South Carolina Farm Bureau

$848

$71

American Family

$852

$71

State Farm

$853

$71

GEICO

$856

$71

GEICO

$877

$73

State Farm

$895

$75

Progressive

$925

$77

Progressive

$996

$83

Progressive

$1,026

$85

State Farm

$1,048

$87

South Carolina Farm Bureau

$1,061

$88

Travelers

$1,070

$89

GEICO

$1,072

$89

Travelers

$1,107

$92

Allstate

$1,178

$98

Travelers

$1,192

$99

American Family

$1,192

$99

South Carolina Farm Bureau

$1,196

$100

Auto-Owners Insurance Co

$1,321

$110

Auto-Owners Insurance Co

$1,324

$110

Allstate

$1,335

$111

Allstate

$1,355

$113

American Family

$1,466

$122

South Carolina Farm Bureau

$1,535

$128

State Farm

$1,631

$136

GEICO

$1,696

$141

Auto-Owners Insurance Co

$1,740

$145

GEICO

$1,744

$145

State Farm

$1,756

$146

American Family

$1,783

$149

Travelers

$1,906

$159

Travelers

$2,021

$168

Travelers

$2,027

$169

Allstate

$2,085

$174

GEICO

$2,089

$174

State Farm

$2,125

$177

Allstate

$2,279

$190

Allstate

$2,354

$196

Progressive

$2,505

$209

Progressive

$2,571

$214

Bristol West

$2,644

$220

Bristol West

$2,862

$239

Progressive

$2,906

$242

Dairyland

$3,297

$275

Bristol West

$3,361

$280

Dairyland

$3,421

$285

Dairyland

$3,801

$317

Bristol West

$4,877

$406

Bristol West

$5,058

$422

Dairyland

$5,990

$499

Dairyland

$5,992

$499

Bristol West

$6,077

$506

Dairyland

$6,753

$563

Cheapest Car Insurance in South Carolina After a DUI

The companies offering the cheapest car insurance for drivers with a DUI in South Carolina are:

  • American National: $706 per year
  • American Family: $1,016 per year

Dairyland’s full coverage policy costs around $5,445 per year, making it the most expensive option. Persons with a DUI tend to pay $640 more for car insurance than those with a clean record.

Company
Annual Premium
Monthly Premium

American National P&C

$406

$34

American National P&C

$466

$39

American National P&C

$471

$39

American Family

$478

$40

South Carolina Farm Bureau

$553

$46

American Family

$607

$51

South Carolina Farm Bureau

$611

$51

American Family

$694

$58

American National P&C

$706

$59

Progressive

$728

$61

Progressive

$753

$63

American National P&C

$754

$63

State Farm

$764

$64

State Farm

$801

$67

South Carolina Farm Bureau

$802

$67

Progressive

$813

$68

American National P&C

$856

$71

State Farm

$934

$78

South Carolina Farm Bureau

$992

$83

Allstate

$994

$83

American Family

$1,016

$85

Auto-Owners Insurance Co

$1,017

$85

Auto-Owners Insurance Co

$1,041

$87

South Carolina Farm Bureau

$1,117

$93

Allstate

$1,126

$94

Allstate

$1,139

$95

Travelers

$1,178

$98

American Family

$1,219

$102

Travelers

$1,219

$102

Travelers

$1,312

$109

Auto-Owners Insurance Co

$1,339

$112

GEICO

$1,420

$118

South Carolina Farm Bureau

$1,430

$119

GEICO

$1,441

$120

State Farm

$1,479

$123

American Family

$1,540

$128

State Farm

$1,593

$133

GEICO

$1,635

$136

Allstate

$1,767

$147

Progressive

$1,825

$152

Progressive

$1,842

$154

State Farm

$1,916

$160

Allstate

$1,920

$160

Allstate

$1,990

$166

Auto-Owners Insurance Co

$1,993

$166

Auto-Owners Insurance Co

$1,999

$167

Travelers

$2,099

$175

Progressive

$2,178

$181

Travelers

$2,229

$186

Travelers

$2,233

$186

Bristol West

$2,317

$193

Bristol West

$2,323

$194

Dairyland

$2,687

$224

Auto-Owners Insurance Co

$2,700

$225

GEICO

$2,826

$235

GEICO

$2,876

$240

Dairyland

$2,996

$250

Bristol West

$3,025

$252

Dairyland

$3,111

$259

GEICO

$3,216

$268

Bristol West

$4,238

$353

Bristol West

$4,357

$363

Dairyland

$4,818

$402

Dairyland

$5,445

$454

Bristol West

$5,520

$460

Dairyland

$5,699

$475

Cheapest Car Insurance in South Carolina for Drivers With Poor Credit (October 2023)

If your credit score is below 580, you can save the most on car insurance from the following companies in South Carolina:

  • American National: $1,682 per year
  • South Carolina Farm Bureau: $1,740 per year

A full coverage policy from Dairyland may cost around $5,394 and is the most expensive option. Drivers with poor credit pay $1,179 more on average for car insurance than those with credit scores above 750.

Company
Annual Premium
Monthly Premium

American National P&C

$1,992

$166

South Carolina Farm Bureau

$2,175

$181

Allstate

$2,377

$198

Travelers

$2,609

$217

Progressive

$3,009

$251

State Farm

$3,409

$284

GEICO

$3,416

$285

Auto-Owners Insurance Co

$3,491

$291

American Family

$3,895

$325

Bristol West

$5,662

$472

Dairyland

$6,200

$517

Progressive

$1,001

$83

American National P&C

$1,072

$89

South Carolina Farm Bureau

$1,201

$100

Allstate

$1,274

$106

Travelers

$1,418

$118

Auto-Owners Insurance Co

$1,568

$131

State Farm

$1,609

$134

GEICO

$1,769

$147

American Family

$1,795

$150

Bristol West

$3,047

$254

Dairyland

$3,335

$278

American National P&C

$1,682

$140

South Carolina Farm Bureau

$1,740

$145

Allstate

$2,140

$178

Travelers

$2,312

$193

Progressive

$2,497

$208

American Family

$2,525

$210

GEICO

$2,659

$222

Auto-Owners Insurance Co

$2,689

$224

State Farm

$2,791

$233

Bristol West

$4,321

$360

Dairyland

$5,394

$450

Progressive

$880

$73

South Carolina Farm Bureau

$940

$78

American National P&C

$941

$78

Allstate

$1,142

$95

American Family

$1,193

$99

Auto-Owners Insurance Co

$1,233

$103

Travelers

$1,285

$107

GEICO

$1,340

$112

State Farm

$1,359

$113

Bristol West

$2,256

$188

Dairyland

$2,907

$242

South Carolina Farm Bureau

$1,567

$131

American National P&C

$1,762

$147

Progressive

$2,230

$186

Allstate

$2,293

$191

Travelers

$2,329

$194

GEICO

$2,552

$213

State Farm

$2,563

$214

Auto-Owners Insurance Co

$2,679

$223

American Family

$3,129

$261

Bristol West

$4,093

$341

Dairyland

$4,814

$401

Progressive

$814

$68

South Carolina Farm Bureau

$858

$72

American National P&C

$1,062

$88

Auto-Owners Insurance Co

$1,285

$107

State Farm

$1,289

$107

GEICO

$1,295

$108

Allstate

$1,296

$108

Travelers

$1,333

$111

American Family

$1,591

$133

Bristol West

$2,184

$182

Dairyland

$2,632

$219

Persons with poor credit ratings have a higher-than-average likelihood of filing a claim. To address this, some insurers charge drivers with poor credit scores higher rates. This practice is illegal in some states but not in South Carolina.

Improving your score over time might help you save in the long run. However, if you want immediate savings, look into companies offering discounts for bundling your insurance policies or installing car safety features, such as automatic emergency braking.

Cheapest Car Insurance in South Carolina for Sports Cars (October 2023)

Sports car drivers in South Carolina will find the cheapest car insurance from:

  • Auto-Owners: $942 per year
  • American Family: $953 per year

Dairyland’s full coverage policy is the most expensive at $3,898. A sports car driver generally pays $270 more than a Toyota Camry driver.

Company
Annual Premium
Monthly Premium

American National P&C

$280

$23

American National P&C

$317

$26

American National P&C

$320

$27

Auto-Owners Insurance Co

$444

$37

South Carolina Farm Bureau

$461

$38

Auto-Owners Insurance Co

$463

$39

Progressive

$506

$42

South Carolina Farm Bureau

$508

$42

Progressive

$546

$45

American Family

$551

$46

American Family

$552

$46

Auto-Owners Insurance Co

$565

$47

GEICO

$567

$47

GEICO

$590

$49

American Family

$619

$52

Progressive

$632

$53

Allstate

$639

$53

South Carolina Farm Bureau

$658

$55

State Farm

$686

$57

State Farm

$718

$60

Allstate

$754

$63

Allstate

$766

$64

Travelers

$777

$65

GEICO

$805

$67

State Farm

$833

$69

Travelers

$855

$71

Travelers

$890

$74

Auto-Owners Insurance Co

$942

$78

Auto-Owners Insurance Co

$942

$78

American Family

$953

$79

American Family

$1,132

$94

Auto-Owners Insurance Co

$1,227

$102

Travelers

$1,266

$105

Travelers

$1,281

$107

GEICO

$1,283

$107

GEICO

$1,344

$112

American Family

$1,431

$119

Travelers

$1,446

$120

Allstate

$1,446

$120

Progressive

$1,456

$121

Allstate

$1,522

$127

State Farm

$1,553

$129

Allstate

$1,619

$135

State Farm

$1,677

$140

GEICO

$1,697

$141

Bristol West

$1,741

$145

Progressive

$1,771

$148

Bristol West

$1,824

$152

Dairyland

$2,022

$169

State Farm

$2,039

$170

Dairyland

$2,163

$180

Progressive

$2,307

$192

Bristol West

$2,433

$203

Dairyland

$2,585

$215

Bristol West

$3,448

$287

Dairyland

$3,475

$290

Bristol West

$3,664

$305

Dairyland

$3,898

$325

Dairyland

$4,559

$380

Bristol West

$4,800

$400

MoneyGeek used a Ford Mustang as its sample sports car, but insurance costs can vary depending on what you drive. The car model may not always be a factor that affects price, but premiums for luxury, electric and sports cars may sometimes be higher in some states.

Cheapest Car Insurance in South Carolina for Military Drivers (October 2023)

MoneyGeek found that the cheapest car insurance company in South Carolina for active duty or military veterans is American National at around $501 per year.

USAA, the financial services company that caters exclusively to the military community nationwide, costs approximately $1,108.

mglogo
MoneyGeek Top Pick
American National P&C
  • $501 per year

American National offers rental car and/or travel reimbursement, roadside assistance and gap insurance to its policyholders. It also provides antique/classic car insurance and spare parts coverage.

Cheapest Car Insurance in South Carolina by City

The cost of car insurance in South Carolina varies by location. Columbia is the cheapest city for car insurance at around $560 per year with American National. Charleston is among the cheapest at $576 with the same insurer.

City
Cheapest Company
Annual Premium

Charleston

American National P&C

$576

Columbia

American National P&C

$560

North Charleston

American National P&C

$585

Car Insurance in South Carolina: What You Need to Know

Most states require you to carry bodily injury liability and property damage liability insurance. You’ll also need uninsured motorist coverage in South Carolina.

South Carolina Car Insurance Requirements

In South Carolina, you are only required to purchase a minimum amount of auto insurance. A minimum liability policy includes bodily injury, property damage and uninsured motorist coverage.

Buying the minimum insurance coverage might be a cost-saving option, but it offers less protection. MoneyGeek recommends getting as much liability coverage as you can afford to cover as many costs as possible in case of an accident.

Insurance companies may also require you to secure an SR-22 form, which may mean additional coverage.

  • male icon

    Bodily Injury Liability

    It pays for the cost of injuries to other people caused by your car. The minimum amount required is $25,000 per person and $50,000 per accident. This amount may leave you liable for any damages beyond those limits.

  • accident2 icon

    Property Damage Liability

    It pays for the cost of repairing or replacing other people's property that you've damaged in an accident. The minimum amount required is $25,000 per accident. This amount may not be enough to cover all costs associated with a car accident, especially if multiple vehicles are involved, and extensive damage is sustained.

  • carInsurance icon

    Uninsured Motorist Coverage

    It pays for your medical bills if you are injured in an accident with an uninsured driver. It also covers you if a hit-and-run driver hits you or your car. The minimum amount required is $25,000 per person, $50,000 per accident and $25,000 property damage coverage. The minimum amount may not cover any other costs associated with an accident, like lost wages or funeral costs.

MoneyGeek suggests purchasing $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.

If you finance your car purchase, you will likely have to buy comprehensive and collision insurance. Comprehensive insurance covers damages to your car from accidents, theft or vandalism. Collision insurance covers the cost of repairs for collisions with other vehicles or objects, such as trees and poles.

MoneyGeek recommends that drivers with expensive cars buy comprehensive and collision insurance for added security.

Car Insurance Alternatives in South Carolina

You can drive legally without insurance in South Carolina. However, you may have to provide proof of financial responsibility to the DMV: This includes a surety bond or real estate bond with two real estate owners if the combined equity is a minimum of $150,000 and a Certificate of Deposit from the treasurer’s office of cash or securities worth $35,000.

FAQs About Car Insurance in South Carolina

MoneyGeek answers common questions to help you choose a plan that meets your needs.

Expert Advice on Finding Cheap Car Insurance in South Carolina

To help you find credible and accurate insight on car insurance in South Carolina, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in South Carolina should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in South Carolina take to find affordable car insurance?
  3. How do regulations and rules in South Carolina impact insurance pricing and how consumers might shop for coverage?
Robert Hartwig
Robert Hartwig

Clinical Associate Professor, Finance Department and Director, Center for Risk and Uncertainty Management; Darla Moore School of Business; University of South Carolina

Frank Tian Xie
Frank Tian Xie

John M. Olin Palmetto Chair Professor in Business and Professor of Marketing at The University of South Carolina, Aiken

Paul D. Smith
Paul D. Smith

Assistant Professor of Business and Entrepreneurship at Newberry College

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.