How Much Is Car Insurance In South Carolina?

While car insurance rates are rising across the country, South Carolina still offers relatively affordable options. The average annual cost for full coverage is $2,029, which is lower than the national average of $2,629. For minimum coverage, the average cost is $632 per year, also below the national average of $742.

In this article, we’ll explore the different types of car insurance in South Carolina, their costs, and the main factors that affect your rates. With over 12 years of experience as a licensed insurance agent, I’m here to help you make an informed choice.

Cost Of Car Insurance In South Carolina By Age

Age plays an important role in setting auto insurance rates, as insurers look at driving experience and the risks linked to different age groups. Young drivers, especially those under 25, usually pay the highest premiums because of their inexperience and higher risk of accidents.

As drivers get older and more experienced, their insurance rates typically drop, reaching the lowest point around age 60. However, after 60, premiums may begin to go up again due to age-related risks.

For example, teen drivers pay 191%  more than those above the age of 25 in South Carolina. Below is a table showing the average car insurance costs by age:

Average South Carolina Auto Insurance Rates By Insurance Company

Car insurance rates are calculated based on several factors, such as the type of car you drive, your driving record, and your history of claims. They also adjust rates according to their own expenses and the overall claims experience of their customers.

Some of the most popular car insurance companies in South Carolina are State Farm, Geico, Progressive, and USAA.

Below is a table showing the average auto insurance rates from six major providers in the state:

Average South Carolina Car Insurance Premiums By Credit Score

Your credit score can have a big impact on your car insurance rates in South Carolina, with drivers who have lower scores often paying higher premiums. Insurance companies use your credit score to predict how likely you are to file a claim. A lower score may lead to higher rates when you renew your policy or switch to a new provider.

Below is a table showing the average car insurance premiums based on different credit score categories in South Carolina.

Average Car Insurance Costs In South Carolina By Gender

Just like in other states, men tend to pay higher car insurance premiums than women. This is because studies show that men are often considered higher-risk drivers due to factors like more frequent involvement in accidents and risky driving behavior. As a result, insurance companies charge them higher rates to cover that increased risk. However, there’s only a slight difference in rates.

Here’s a table showing the average car insurance costs by gender in South Carolina:

Cost Of South Carolina Car Insurance By Driver Record

If you have a clean driving record, your insurance premiums will be lower in South Carolina. On the other hand, if you have a history of speeding tickets, accidents, DUIs, or reckless driving, your premiums will likely be higher. Insurance companies view drivers with a poor record as higher risk, so they charge them more to cover the potential for future claims. Maintaining a safe driving history is one of the best ways to keep your rates affordable.

Here is a table displaying average car insurance costs based on different driving records in South Carolina:

Average South Carolina Auto Insurance Costs By Marital Status

Married drivers often pay lower insurance rates because they are viewed as more financially stable policyholders. Additionally, they may qualify for discounts by bundling different types of insurance or adding multiple cars to a single policy.

Here is a table displaying average car insurance costs by marital status in South Carolina:

Cost Of Car Insurance In South Carolina By Coverage Type

The cost of car insurance in South Carolina can vary depending on the type of coverage you choose. The more coverage you choose, the more you have to pay. Rates can differ based on factors such as your driving history, age, location, and the type of vehicle you own. Always compare quotes from multiple insurers to find the best deal for your needs.

Here is a table displaying average car insurance costs by coverage type in South Carolina:

Average South Carolina Car Insurance Rates By City

In South Carolina, where you live can have a big effect on your car insurance rates. Areas with heavy traffic, higher crime rates, and more accidents usually lead to higher premiums. On the other hand, rural areas often have lower rates because there are fewer accidents and claims. Insurance companies use data about the risk factors in a specific area to set your premium.

In the following table, we explore the average car insurance costs in eight different South Carolina cities to illustrate these differences.

Average South Carolina Car Insurance Rates By ZIP Code

Car insurance rates in South Carolina can vary significantly by zip code due to factors like traffic density, crime rates, and accident frequency. For example, Charleston is the most populated city in South Carolina, having the highest rates.

The table below shows the average car insurance rates in various South Carolina zip codes, highlighting how rates vary depending on the location.

South Carolina Car Insurance Prices Compared To Other U.S. States

Comparing car insurance quotes from your state with those from other states is important because insurance rates can vary significantly depending on local factors. Each state has different requirements for coverage, risk factors like accident rates and crime levels, and even laws that affect premiums. By comparing quotes, you can get a better understanding of rates against others and see if there are opportunities to save.

In the following table, we provide you with a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how South Carolina fares on the national stage.