Cheapest Car Insurance In South Carolina For 2024
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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
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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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