Car Insurance in South Carolina: How to Find the Policy That Fits You

MoneyGeek has analysis and solutions for your car insurance needs in South Carolina.

Find the Best or Cheapest Car Insurance in South Carolina

MoneyGeek reviewed car insurance rates for most insurers in South Carolina to ensure you get the most affordable coverage in the state. Using our unique rating system, we also determined the best insurance providers that balance quality service and affordability.

For drivers who want to understand the overall cost of coverage in the state, MoneyGeek examined the rates in the state based on factors such as your driving record, age and more.

If you’re wondering why South Carolina has expensive coverage, MoneyGeek established why you are likely to pay more for your car insurance policy in the state.

The resources mentioned above provide information about the most affordable and best car insurance in South Carolina for drivers with different profiles. You can use the table below to view a summary of this information. Note that the rates are for full coverage policies unless stated otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN SOUTH CAROLINA
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: GEICO
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: Nationwide
  • Senior drivers: GEICO
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN SOUTH CAROLINA
  • Overall: GEICO
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: GEICO
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a South Carolina Car Insurance Quote

Car insurance quotes in South Carolina may differ by $528 per year for your profile depending on the insurer you choose. MoneyGeek recommends that you compare estimates from multiple insurance providers when purchasing car insurance, as doing this may save you money. The process is not very time-consuming.

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Car Insurance Laws in South Carolina

MoneyGeek offers you all the resources you need to learn about the car insurance laws and requirements in South Carolina. If you purchase the state minimum insurance, it must meet the following liability coverage requirements:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
  • $25,000 uninsured/ underinsured motorist coverage per person
  • $50,000 uninsured/ underinsured motorist coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage

Your state’s minimum policy must meet these requirements and does not include comprehensive and collision coverage. However, your coverage needs may be higher, which means you may need to purchase additional insurance with higher limits.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN SOUTH CAROLINA?

In South Carolina, individuals with a traffic violation such as a DUI are considered high-risk drivers and need to file an SR-22 as proof of insurance. MoneyGeek’s analysis includes the average cost of filing an SR-22 in South Carolina and how to file with your insurer.

Specialty Car Insurance in South Carolina

While traditional car insurance may cover most drivers’ needs, it may not be ideal for others. MoneyGeek’s research included alternative car insurance types in South Carolina to ensure you find the right option for your needs. These include low-income, temporary and non-owner insurance. More information about these forms of coverage is available below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

Non-owner car insurance in South Carolina might be an ideal option if you borrow or rent cars frequently and need proof of insurance.

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Temporary car insurance

Drivers who need coverage for a few months can purchase temporary car insurance in South Carolina by buying a policy and canceling it early or getting rental car insurance.

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Car insurance for low-income drivers

MoneyGeek reviewed low-income car insurance in South Carolina to help drivers save money on their premiums since the state doesn’t offer a car insurance assistance program to drivers.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.