The Cheapest Car Insurance in South Carolina for June 2024

American National offers the cheapest car insurance in South Carolina, with an average annual rate of $698 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in South Carolina isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in South Carolina is American National at $612 per year on average, or $51 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in South Carolina. Meanwhile, the average cost of full coverage car insurance in South Carolina is $1,850 per year, or about $154 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in South Carolina. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in South Carolina is $605 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in South Carolina at $190 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in South Carolina

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in South Carolina and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in South Carolina. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in South Carolina where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in South Carolina for 20-year-olds

Drivers in South Carolina with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American National: $1,204 per year, or about $100 per month.
  2. Travelers: $2,760 per year, or about $230 per month.
  3. Progressive: $2,891 per year, or about $241 per month.
  4. Auto-Owners: $3,105 per year, or about $259 per month.
  5. South Carolina Farm Bureau: $3,593 per year, or about $299 per month.

Cheapest minimum coverage car insurance in South Carolina for 20-year-olds

Drivers in South Carolina who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. American National: $442 per year, or about $37 per month.
  2. Travelers: $926 per year, or about $77 per month.
  3. Progressive: $1,017 per year, or about $85 per month.
  4. Allstate: $1,139 per year, or about $95 per month.
  5. Geico: $1,187 per year, or about $99 per month.

Cheapest auto insurance in South Carolina for 20-year-olds with poor credit

Drivers with poor credit in South Carolina should look at the following insurers with the lowest average rates for minimum coverage:

  1. Progressive: $1,475 per year, or about $123 per month.
  2. American National: $1,490 per year, or about $124 per month.
  3. Travelers: $1,500 per year, or about $125 per month.
  4. Allstate: $1,651 per year, or about $138 per month.
  5. Geico: $1,871 per year, or about $156 per month.

Cheapest auto insurance in South Carolina for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $616 per year, or about $51 per month.
  2. Travelers: $1,117 per year, or about $93 per month.
  3. Progressive: $1,180 per year, or about $98 per month.
  4. Geico: $1,226 per year, or about $102 per month.
  5. Allstate: $1,381 per year, or about $115 per month.

Cheapest auto insurance in South Carolina for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $636 per year, or about $53 per month.
  2. Travelers: $1,182 per year, or about $98 per month.
  3. Progressive: $1,186 per year, or about $99 per month.
  4. Geico: $1,405 per year, or about $117 per month.
  5. Auto-Owners: $1,850 per year, or about $154 per month.

Cheapest auto insurance in South Carolina for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. American National: $712 per year, or about $59 per month.
  2. Progressive: $1,143 per year, or about $95 per month.
  3. Travelers: $1,309 per year, or about $109 per month.
  4. Geico: $1,921 per year, or about $160 per month.
  5. Allstate: $2,075 per year, or about $173 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in South Carolina for 30-year-olds

Drivers in South Carolina who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $634 per year, or about $53 per month.
  2. Auto-Owners: $1,531 per year, or about $128 per month.
  3. Progressive: $1,634 per year, or about $136 per month.
  4. Main Street America: $1,806 per year, or about $151 per month.
  5. Travelers: $1,826 per year, or about $152 per month.

Cheapest minimum coverage car insurance in South Carolina for 30-year-olds

Drivers in South Carolina who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $194 per year, or about $16 per month.
  2. Allstate: $444 per year, or about $37 per month.
  3. Auto-Owners: $560 per year, or about $47 per month.
  4. Geico: $579 per year, or about $48 per month.
  5. Travelers: $606 per year, or about $50 per month.

Cheapest auto insurance in South Carolina for 30-year-olds with poor credit

Drivers with poor credit in South Carolina should consider the following companies with the lowest average rates for full coverage:

  1. American National: $2,139 per year, or about $178 per month.
  2. Main Street America: $2,523 per year, or about $210 per month.
  3. Progressive: $2,638 per year, or about $220 per month.
  4. Allstate: $2,762 per year, or about $230 per month.
  5. Nationwide: $2,849 per year, or about $237 per month.

Cheapest auto insurance in South Carolina for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $266 per year, or about $22 per month.
  2. Allstate: $553 per year, or about $46 per month.
  3. Geico: $683 per year, or about $57 per month.
  4. Travelers: $711 per year, or about $59 per month.
  5. Main Street America: $748 per year, or about $62 per month.

Cheapest auto insurance in South Carolina for 30-year-old drivers with one at-fault crash

For drivers in South Carolina with a recent accident, here are the lowest average rate options for full coverage:

  1. American National: $828 per year, or about $69 per month.
  2. Auto-Owners: $1,980 per year, or about $165 per month.
  3. Travelers: $2,278 per year, or about $190 per month.
  4. Progressive: $2,446 per year, or about $204 per month.
  5. Main Street America: $2,906 per year, or about $242 per month.

Cheapest auto insurance in South Carolina for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. American National: $908 per year, or about $76 per month.
  2. Progressive: $2,044 per year, or about $170 per month.
  3. Travelers: $2,449 per year, or about $204 per month.
  4. South Carolina Farm Bureau: $2,715 per year, or about $226 per month.
  5. Auto-Owners: $3,065 per year, or about $255 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in South Carolina for 40-year-olds

Drivers in South Carolina with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. American National: $574 per year, or about $48 per month.
  2. Progressive: $1,492 per year, or about $124 per month.
  3. Auto-Owners: $1,500 per year, or about $125 per month.
  4. Travelers: $1,669 per year, or about $139 per month.
  5. Main Street America: $1,758 per year, or about $147 per month.

Cheapest minimum coverage car insurance in South Carolina for 40-year-olds

Drivers in South Carolina who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. American National: $184 per year, or about $15 per month.
  2. Allstate: $444 per year, or about $37 per month.
  3. Auto-Owners: $548 per year, or about $46 per month.
  4. Geico: $553 per year, or about $46 per month.
  5. Progressive: $569 per year, or about $47 per month.

Cheapest auto insurance in South Carolina for 40-year-olds with poor credit

Drivers with poor credit in South Carolina can check out the following insurers with the lowest average rates for full coverage:

  1. American National: $1,933 per year, or about $161 per month.
  2. Progressive: $2,411 per year, or about $201 per month.
  3. Main Street America: $2,523 per year, or about $210 per month.
  4. Travelers: $2,729 per year, or about $227 per month.
  5. Nationwide: $2,759 per year, or about $230 per month.

Cheapest auto insurance in South Carolina for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $252 per year, or about $21 per month.
  2. Allstate: $553 per year, or about $46 per month.
  3. Geico: $644 per year, or about $54 per month.
  4. Travelers: $705 per year, or about $59 per month.
  5. Main Street America: $718 per year, or about $60 per month.

Cheapest auto insurance in South Carolina for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Carolina, here are the companies with the lowest average rates for full coverage:

  1. American National: $742 per year, or about $62 per month.
  2. Auto-Owners: $1,933 per year, or about $161 per month.
  3. Travelers: $2,178 per year, or about $182 per month.
  4. Progressive: $2,237 per year, or about $186 per month.
  5. South Carolina Farm Bureau: $2,681 per year, or about $223 per month.

Cheapest auto insurance in South Carolina for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. American National: $810 per year, or about $68 per month.
  2. Progressive: $1,886 per year, or about $157 per month.
  3. Travelers: $2,345 per year, or about $195 per month.
  4. South Carolina Farm Bureau: $2,484 per year, or about $207 per month.
  5. Auto-Owners: $2,979 per year, or about $248 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in South Carolina for 50-year-olds

Drivers in South Carolina with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. American National: $554 per year, or about $46 per month.
  2. Progressive: $1,375 per year, or about $115 per month.
  3. Auto-Owners: $1,440 per year, or about $120 per month.
  4. Main Street America: $1,554 per year, or about $130 per month.
  5. Travelers: $1,638 per year, or about $137 per month.

Cheapest minimum coverage car insurance in South Carolina for 50-year-olds

Drivers in South Carolina who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. American National: $170 per year, or about $14 per month.
  2. Allstate: $410 per year, or about $34 per month.
  3. Geico: $515 per year, or about $43 per month.
  4. Auto-Owners: $517 per year, or about $43 per month.
  5. Progressive: $550 per year, or about $46 per month.

Cheapest auto insurance in South Carolina for 50-year-olds with poor credit

Drivers with poor credit in South Carolina can check with the following companies, which showed the lowest average rates for full coverage:

  1. American National: $1,862 per year, or about $155 per month.
  2. Main Street America: $2,174 per year, or about $181 per month.
  3. Progressive: $2,216 per year, or about $185 per month.
  4. Allstate: $2,528 per year, or about $211 per month.
  5. Nationwide: $2,585 per year, or about $215 per month.

Cheapest auto insurance in South Carolina for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $234 per year, or about $20 per month.
  2. Allstate: $511 per year, or about $43 per month.
  3. Geico: $605 per year, or about $50 per month.
  4. Main Street America: $629 per year, or about $52 per month.
  5. Travelers: $705 per year, or about $59 per month.

Cheapest auto insurance in South Carolina for 50-year-old drivers with one at-fault crash

For drivers living in South Carolina with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American National: $712 per year, or about $59 per month.
  2. Auto-Owners: $1,845 per year, or about $154 per month.
  3. Progressive: $2,101 per year, or about $175 per month.
  4. Travelers: $2,143 per year, or about $179 per month.
  5. Main Street America: $2,431 per year, or about $203 per month.

Cheapest auto insurance in South Carolina for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. American National: $776 per year, or about $65 per month.
  2. Progressive: $1,783 per year, or about $149 per month.
  3. Travelers: $2,299 per year, or about $192 per month.
  4. South Carolina Farm Bureau: $2,399 per year, or about $200 per month.
  5. Auto-Owners: $2,817 per year, or about $235 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in South Carolina for 60-year-olds

Drivers in South Carolina with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $530 per year, or about $44 per month.
  2. Progressive: $1,332 per year, or about $111 per month.
  3. Auto-Owners: $1,423 per year, or about $119 per month.
  4. Travelers: $1,534 per year, or about $128 per month.
  5. Main Street America: $1,556 per year, or about $130 per month.

Cheapest minimum coverage car insurance in South Carolina for 60-year-olds

Drivers in South Carolina who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $174 per year, or about $15 per month.
  2. Allstate: $410 per year, or about $34 per month.
  3. Auto-Owners: $508 per year, or about $42 per month.
  4. Geico: $549 per year, or about $46 per month.
  5. Progressive: $549 per year, or about $46 per month.

Cheapest auto insurance in South Carolina for 60-year-olds with poor credit

Drivers with poor credit in South Carolina can look at the following companies with the lowest average rates for full coverage:

  1. American National: $1,784 per year, or about $149 per month.
  2. Progressive: $2,138 per year, or about $178 per month.
  3. Main Street America: $2,174 per year, or about $181 per month.
  4. Nationwide: $2,425 per year, or about $202 per month.
  5. Travelers: $2,501 per year, or about $208 per month.

Cheapest auto insurance in South Carolina for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $238 per year, or about $20 per month.
  2. Allstate: $511 per year, or about $43 per month.
  3. Main Street America: $643 per year, or about $54 per month.
  4. Geico: $644 per year, or about $54 per month.
  5. Travelers: $705 per year, or about $59 per month.

Cheapest auto insurance in South Carolina for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Carolina, here are the companies with the lowest average rates for full coverage:

  1. American National: $686 per year, or about $57 per month.
  2. Auto-Owners: $1,822 per year, or about $152 per month.
  3. Progressive: $2,043 per year, or about $170 per month.
  4. Travelers: $2,077 per year, or about $173 per month.
  5. South Carolina Farm Bureau: $2,398 per year, or about $200 per month.

Cheapest auto insurance in South Carolina for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $750 per year, or about $63 per month.
  2. Progressive: $1,746 per year, or about $145 per month.
  3. South Carolina Farm Bureau: $2,226 per year, or about $186 per month.
  4. Travelers: $2,234 per year, or about $186 per month.
  5. Auto-Owners: $2,777 per year, or about $231 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in South Carolina for 70-year-olds

Drivers in South Carolina with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. American National: $604 per year, or about $50 per month.
  2. Progressive: $1,448 per year, or about $121 per month.
  3. Main Street America: $1,640 per year, or about $137 per month.
  4. Travelers: $1,656 per year, or about $138 per month.
  5. Auto-Owners: $1,667 per year, or about $139 per month.

Cheapest minimum coverage car insurance in South Carolina for 70-year-olds

Drivers in South Carolina who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. American National: $238 per year, or about $20 per month.
  2. Allstate: $442 per year, or about $37 per month.
  3. Progressive: $595 per year, or about $50 per month.
  4. Travelers: $630 per year, or about $53 per month.
  5. Auto-Owners: $634 per year, or about $53 per month.

Cheapest auto insurance in South Carolina for 70-year-olds with poor credit

Drivers with poor credit in South Carolina can look at the following companies with the lowest average rates for full coverage:

  1. American National: $2,036 per year, or about $170 per month.
  2. Main Street America: $2,291 per year, or about $191 per month.
  3. Progressive: $2,321 per year, or about $193 per month.
  4. Allstate: $2,646 per year, or about $221 per month.
  5. Travelers: $2,794 per year, or about $233 per month.

Cheapest auto insurance in South Carolina for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in South Carolina, here are the companies with the lowest average rates for minimum coverage:

  1. American National: $326 per year, or about $27 per month.
  2. Allstate: $546 per year, or about $46 per month.
  3. Main Street America: $678 per year, or about $57 per month.
  4. Progressive: $803 per year, or about $67 per month.
  5. South Carolina Farm Bureau: $830 per year, or about $69 per month.

Cheapest auto insurance in South Carolina for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in South Carolina, here are the companies with the lowest average rates for full coverage:

  1. American National: $798 per year, or about $67 per month.
  2. Auto-Owners: $2,157 per year, or about $180 per month.
  3. Progressive: $2,293 per year, or about $191 per month.
  4. Travelers: $2,331 per year, or about $194 per month.
  5. South Carolina Farm Bureau: $2,331 per year, or about $194 per month.

Cheapest auto insurance in South Carolina for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. American National: $876 per year, or about $73 per month.
  2. Progressive: $1,937 per year, or about $161 per month.
  3. South Carolina Farm Bureau: $2,162 per year, or about $180 per month.
  4. Travelers: $2,514 per year, or about $210 per month.
  5. Allstate: $3,056 per year, or about $255 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 55 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in South Carolina

South Carolina drivers are required to carry liability coverage, uninsured motorist bodily injury coverage (UMBI) and uninsured motorist property damage coverage (UMPD).

Here are the minimum amounts of insurance coverage needed to drive legally:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

  • $25,000 UMPD per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Although these limits will satisfy legal requirements, it’s wise for most drivers to get more than the bare coverage. The minimum car insurance might not be enough to fully cover accident costs, and the remaining balance would have to come out of your own pocket.

Visit NerdWallet’s guide to car insurance requirements by state for more detail on how coverage works.

Alternative car insurance in South Carolina

Drivers who’ve been denied car insurance on the voluntary market within the past 60 days may qualify for coverage under the Associated Auto Insurers Plan of South Carolina. This option helps drivers who have checkered driving histories, extremely poor credit or other factors preventing them from getting traditional auto coverage.

NerdWallet can make it easy to find coverage at the most competitive price. Use our car insurance comparison tool to view rates from top insurers.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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