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Best & Cheapest South Carolina Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.49 ★★★★★
115 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

It can be difficult to figure out which South Carolina car insurance company best fits your needs. By reading reviews from real policyholders on Clearsurance, you can determine which insurer will work best for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in South Carolina. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best South Carolina car insurance companies.

In the table above, you can sort through all the South Carolina car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best South Carolina car insurance rankings.

Interested in learning more about one of these South Carolina car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in South Carolina?

Geico is the cheapest car insurance option in South Carolina for both male and female teen drivers on average when compared to the other most popular car insurance companies in SC.

Company Female teen rates Male teen rates
Allstate Insurance $1,529 $1,641
Geico $1,261 $1,143
Progressive $3,416 $3,897
State Farm Insurance Company $1,390 $1,631
USAA $1,289 $1,422

These rates are based on profiles for 18-year-old male and female drivers in South Carolina. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in South Carolina will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in South Carolina?

USAA offers the cheapest car insurance rates for married couples in South Carolina on average followed by Allstate and then State Farm. This is based on averages from the five largest auto insurance companies in South Carolina.

Company Married couple rates
Allstate Insurance $1,772
Geico $1,947
Progressive $2,081
State Farm Insurance Company $1,804
USAA $1,688

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Carolina will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in South Carolina?

Among the five largest companies in the state, USAA provides the cheapest car insurance rates for male and female senior drivers on average in South Carolina.

Company Female senior rates Male senior rates
Allstate Insurance $1,332 $1,332
Geico $1,189 $1,237
Progressive $1,032 $1,104
State Farm Insurance Company $856 $856
USAA $813 $819

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Carolina will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in South Carolina for car insurance

There are many factors that contribute to what your car insurance rates are. For drivers in South Carolina, car insurance rates vary based on your location. The cheapest area in South Carolina for car insurance on average is Walhalla. In the table below, you can see the top 10 cheapest areas in South Carolina for car insurance based on average rates for a single adult.

Area Car insurance rates
Walhalla $1,186
Newry $1,193
Seneca $1,196
Central $1,197
West Union $1,197
Salem $1,201
Westminster $1,214
Mountain Rest $1,217
Sunset $1,226
Simpsonville $1,228

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Carolina will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in South Carolina for car insurance

Since your area affects your car insurance rates, some areas with a higher risk of a car insurance claim are more expensive than others. The table below displays the top 10 most expensive areas in South Carolina for car insurance based on average rates for a single adult.

Area Car insurance rates
Miley $1,716
Crocketville $1,713
Furman $1,704
Canadys $1,695
Allendale $1,672
Estill $1,670
Scotia $1,654
Fairfax $1,650
Varnville $1,646
Hampton $1,639

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in South Carolina will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in South Carolina

South Carolina drivers are required to purchase liability and uninsured motorist coverage. The minimum required amounts for these coverages are listed below, but it’s important to consider high limits to ensure that you have sufficient coverage in the event of a costly accident.

South Carolina drivers also can add other coverages, such as collision insurance and comprehensive insurance, that would offer protection from things like natural disasters, theft and at-fault accidents.

South Carolina state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Uninsured motorist:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

South Carolina’s uninsured motorist percentage

Uninsured motorist coverage is similar to liability coverage, but instead of covering the other driver, it protects you and your vehicle against uninsured drivers and hit-and-run drivers. According to 2015 data from the Insurance Information Institute, 9.4 percent of South Carolina drivers are uninsured, the 37th highest in the country.

How car insurance rates are calculated in South Carolina

When searching and comparing quotes from the best auto insurance companies in South Carolina, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in South Carolina

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best South Carolina car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in South Carolina

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.