Cheapest Car Insurance In South Carolina For 2024

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Bob Phillips
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Securing affordable car insurance is a priority for many residents in South Carolina. With a plethora of insurance providers and coverage options available, finding cheap car insurance can seem daunting. American National is a top choice for many. Known for its great prices and reliable service, American National offers excellent value for both basic and comprehensive coverage options.

Understanding the factors that influence insurance premiums and exploring various discounts can help drivers in South Carolina find the most cost-effective coverage tailored to their needs. In this guide, we’ll explore the options and strategies for obtaining cheap car insurance in South Carolina.

Cheapest Car Insurance In South Carolina

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Cheapest Minimum Coverage - American National
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Cheapest For Young Drivers - American National
farm bureau
Cheapest For Drivers With Poor Credit - South Carolina Farm Bureau
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Cheapest For Full Coverage - American National
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Cheapest For Seniors - American National
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Cheapest For Good Drivers - American National
Cheapest Car Insurance, South Carolina, 2024

Our Methodology

Using a detailed study covering different areas like how well they help customers, what kinds of plans they offer, how much they charge, and looking closely at many online reviews and what people say, I've put together a deep understanding of the different car insurance companies in South Carolina.

This knowledge comes from over 15 years working in the insurance field as a licensed agent in South Carolina. I've had many talks with people from different companies and I've bought car insurance myself, so I have firsthand experience to draw from.

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Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

25+

Research Hours

Cheapest Car Insurance In South Carolina For Minimum Coverage

American National has the cheapest rates for minimum coverage car insurance in South Carolina, offering average monthly rates at $16.

Provider Average Monthly Cost Average Annual Cost
State Farm $16 $198
Encompass $35 $419
Allstate $37 $449
Progressive $41 $491
Auto-Owners $42 $509

Minimum car insurance coverage in South Carolina typically includes liability insurance, which covers bodily injury and property damage that you cause to others in an accident where you are at fault. Specifically, the minimum requirements are:

Bodily Injury Liability: This coverage pays for medical expenses, lost wages, and other costs if you injure someone in a car accident.

Property Damage Liability: This coverage pays for repairs to someone else’s property, such as their car or a fence, if you damage it in an accident.

These coverages help protect you financially if you’re responsible for an accident. However, it’s essential to note that minimum coverage may not be enough to fully protect you in all situations.

Cheapest Car Insurance In South Carolina For Full Coverage

American National has the cheapest rates for full coverage car insurance in South Carolina, offering average monthly rates at $50.

Provider Average Monthly Cost Average Annual Cost
American National $50 $596
Auto-Owners $123 $1,473
Nationwide $125 $1,504
Progressive $127 $1,519
Progressive $127 $1,522

Full coverage car insurance in South Carolina offers comprehensive protection beyond the state’s minimum requirements. It encompasses several types of coverage, including liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

Liability coverage addresses costs if you injure someone else or damage their property in an accident you cause. Collision coverage pays for repairs to your vehicle after a collision, while comprehensive coverage covers non-collision-related damages like theft or natural disasters.

Medical payments coverage assists with medical expenses for you and your passengers, and uninsured/underinsured motorist coverage protects you if you’re in an accident with an uninsured or underinsured driver. Full coverage provides peace of mind and financial security by offering extensive protection for both you and your vehicle. Additionally, benefits of full coverage include safeguarding against unexpected expenses, ensuring you’re fully protected in various scenarios, and providing added reassurance on the road.

Cheapest Car Insurance In South Carolina For Drivers With Poor Credit

South Carolina Farm Bureau has the cheapest rates for drivers with poor credit in South Carolina, offering average monthly rates at $136.

Provider Average Monthly Cost Average Annual Cost
South Carolina Farm Bureau $136 $1,634
American National P&C $150 $1,799
Progressive $188 $2,256
Travelers $194 $2,334
Allstate $207 $2,484

Obtaining car insurance with a poor credit score in South Carolina can present hurdles in securing affordable rates. Insurers often factor credit history into premium calculations, resulting in higher costs for those with poor credit.

Nonetheless, certain insurance providers may offer specialized policies or discounts designed to assist drivers with poor credit in accessing coverage. It remains crucial for individuals in this predicament to conduct thorough research, compare quotes, and explore available options to identify the most suitable and economical coverage for their circumstances.

Cheapest Auto Insurance In South Carolina For Seniors

American National P&C has the cheapest rates for seniors in South Carolina, offering average monthly rates at $47.

Provider Average Monthly Cost Average Annual Cost
American National P&C $47 $560
South Carolina Farm Bureau $66 $798
Auto-Owners $81 $978
American Family $90 $1,083
Geico $97 $1,163

Seniors drivers residing in South Carolina stand a chance to secure competitive car insurance rates due to several advantageous factors. While age can influence insurance premiums, it’s not always a strict determinant, as many seniors maintain excellent driving records over the years.

Insurance companies often recognize this and offer lower rates to experienced senior drivers with clean driving histories, valuing their maturity and responsibility on the road.

Moreover, some insurers provide tailored discounts and incentives for seniors, considering factors like age, driving frequency, and completion of safety courses. Encouraging participation in defensive driving courses further promotes safer driving practices among elderly drivers, benefiting both insurers and policyholders alike.

Cheapest Car Insurance In South Carolina For Young Drivers

In South Carolina, young adults often enjoy more affordable car insurance rates than teenagers. This price difference stems from the evolution of driving behaviors as drivers grow older, resulting in fewer risky actions.

Statistics show that young adults tend to make fewer claims, indicating reduced involvement in accidents. As a result, insurance companies lower premiums for these drivers, acknowledging their improved safety track record and decreased claim likelihood.

Cheapest South Carolina Car Insurance For 16-Year-Olds

American National has the cheapest rates for 16-year-olds, with an average monthly premium of $327.

Provider Average Monthly Cost Average Annual Cost
American National $327 $3,928
Southern Farm Bureau Casualty Insurance $360 $4,323
GEICO $379 $4,548
Travelers $392 $4,705
Auto-Owners $441 $5,289

Cheapest South Carolina Car Insurance For 17-Year-Olds

American National has the cheapest rates for 17-year-olds, with an average premium of $154.

Provider Average Monthly Cost Average Annual Cost
American National $154 $1,843
Auto-Owners $259 $3,113
Southern Farm Bureau Casualty Insurance $285 $3,418
State Farm $305 $3,658
Travelers $319 $3,830

Cheapest South Carolina Car Insurance For 18-Year-Olds

American National has the cheapest rates for 18-year-olds, with an average monthly premium of $312.

Provider Average Monthly Cost Average Annual Cost
American National $141 $1,690
Auto-Owners $235 $2,819
Southern Farm Bureau Casualty Insurance $259 $3,109
Travelers $269 $3,232
State Farm $270 $3,235

Cheapest South Carolina Car Insurance For 21-Year-Olds

American National has the cheapest rates for 21-year-olds, with an average monthly premium of $92.

Provider Average Monthly Cost Average Annual Cost
American National $92 $1,108
GEICO $151 $1,806
USAA $163 $1,950
Auto-Owners $163 $1,952
Travelers $174 $2,092

Cheapest Car Insurance In South Carolina For Good Drivers

Safe drivers with spotless driving records often enjoy discounted car insurance rates. Insurers evaluate risk based on drivers’ histories, and those with no violations or accidents are deemed low-risk. This favorable profile reflects their safe driving habits, reducing the likelihood of future claims.

Consequently, insurers offer them lower premiums, recognizing the minimal financial risk they pose. By consistently obeying traffic laws and avoiding accidents, these drivers save considerably on insurance costs in the long run.

Provider Average Monthly Cost Average Annual Cost
American National $65 $783
GEICO $121 $1,452
USAA $124 $1,486
State Farm $136 $1,632
Travelers $137 $1,642
 

Cheapest Auto Insurance In South Carolina For Drivers With Prior Incidents

In South Carolina, drivers with a record of past incidents like accidents, speeding tickets, or DUIs often face hurdles in finding affordable car insurance. These incidents label them as high-risk in the eyes of insurance providers, leading to higher premiums.

This is especially prevalent in South Carolina due to its higher rate of traffic incidents compared to other states. Insurance companies base this pricing strategy on statistical analyses and risk assessment models, which highlight the link between past driving incidents and future claims probability.

Cheapest Car Insurance For Drivers With A Speeding Ticket

American National has average premiums of $166, making it the cheapest option for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
American National $166 $1,979
GEICO $221 $2,642
State Farm $300 $3,594
USAA $309 $3,712
Southern Farm Bureau $348 $4,177

Cheapest Car Insurance For Drivers With An At-Fault Accident

American National has average premiums of $173, making it the cheapest option for drivers with an at-fault accident.

Provider Average Monthly Cost Average Annual Cost
American National $86 $1,028
State Farm $158 $1,906
Travelers $178 $2,138
GEICO $180 $2,156
USAA $182 $2,189

Cheapest Car Insurance In South Carolina For Drivers After A DUI

American National has average premiums of $94, making it the cheapest option for drivers with a DUI on their record.

Provider Average Monthly Cost Average Annual Cost
American National $94 $1,126
State Farm $144 $1,728
Southern Farm Bureau $176 $2,110
Travelers $187 $2,238
USAA $230 $2,763

Average Cost Of Auto Insurance In South Carolina – By Age

Age Average Monthly Cost Average Annual Cost
16 $541 $6,491
17 $472 $5,662
18 $425 $5,099
19 $313 $3,754
21 $229 $2,742
25 $183 $2,197
35 $149 $1,786
45 $145 $1,755
55 $134 $1,604
65 $151 $1,814
75 $177 $2,129

Average Cost Of Car Insurance In South Carolina – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,250
Male Single $1,350
Female Married $1,100
Male Married $1,150

Average Cost Of Auto Insurance In South Carolina – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $86 $1,034
Good $105 $1,264
Fair $127 $1,525
Poor $151 $1,819

Cheapest Car Insurance In South Carolina By City

City Average Monthly Cost Average Annual Cost
Hilton Head Island $106 $1,274
Simpsonville $108 $1,298
Bluffton $110 $1,316
Mauldin $111 $1,329
Aiken $112 $1,342
Greer $113 $1,356
Charleston $115 $1,369

Minimum Car Insurance Requirement In South Carolina

In South Carolina, the minimum car insurance requirements include:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident.
  • Property Damage Liability: $25,000 per accident.

Personal Injury Protection (PIP) is not required in South Carolina. Instead, the state offers an alternative called Medical Payments Coverage (MedPay). This coverage helps pay for medical expenses for you and your passengers regardless of who is at fault in an accident.

While not mandatory, it can be a valuable addition to your insurance policy to ensure adequate coverage for medical costs.

Property Damage Liability (PDL) is also a must-have in South Carolina. It pays for damages to other people’s property if you or someone in your household causes an accident. Remember, PDL doesn’t cover damage to your own vehicle; it’s only for other people’s property.

Car Insurance Discounts In South Carolina

When looking for car insurance, it’s smart to check out companies offering discounts that fit your situation. Also, chatting with your insurance agent can uncover discounts you’re not using yet. Here’s a closer look at the usual discounts offered by leading car insurance companies:

Good Driver Discount: Offered to drivers with clean driving records, meaning no accidents or traffic violations. This discount rewards safe driving habits, indicating a lower risk for insurers.

Multi-Policy Discount: Available to policyholders who bundle multiple insurance policies with the same provider, such as auto and homeowners insurance. Bundling policies often results in a discount on each policy’s premium.

Defensive Driving Course Discount: Provided to drivers who complete a defensive driving course approved by the insurance company. These courses refresh driving skills and demonstrate a commitment to safe driving practices, resulting in lower premiums.

Vehicle Safety Features Discount: Granted to policyholders whose vehicles are equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices. These features reduce the risk of accidents or theft, leading to lower insurance premiums.

Good Student Discount: Available to young drivers who maintain good grades in school. Insurers consider good grades as an indicator of responsibility and lower risk, resulting in discounted premiums for student drivers.

 

FAQs

How much is car insurance a month in South Carolina?

Car insurance costs vary depending on factors like age, driving history, and coverage level, but on average, it can range from $80 to $200 per month in South Carolina.

What is the minimum car insurance one must have in South Carolina?

The minimum car insurance required in South Carolina includes liability coverage with limits of 25/50/25, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Which insurance is better in South Carolina?

The better insurance in South Carolina depends on individual needs and preferences, as different insurers offer various coverage options, discounts, and customer service experiences. It’s essential to compare quotes and policies to find the best fit for your situation.

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