Cheap Car Insurance in South Carolina 2019
Average South Carolina insurance premiums by company
| Company Click to see reviews | Average annual premium in South Carolina |
|---|---|
| Travelers Insurance | $1,584 |
| The Hartford | $1,591 |
| AAA Insurance/Auto Club | $1,757 |
| Farm Bureau | $1,806 |
| USAA (must have a military affiliation to apply) | $1,810 |
| Auto-Owners Insurance | $1,827 |
| State Farm | $1,828 |
| Nationwide Insurance | $1,841 |
| Liberty Mutual | $1,863 |
| Allstate | $1,869 |
| MetLife Auto | $1,943 |
| Progressive Insurance | $2,007 |
| Safeco | $2,016 |
| The General | $2,074 |
| Esurance | $2,108 |
| Dairyland Insurance | $2,296 |
Insurance increase after a speeding ticket
South Carolina drivers who get a speeding ticket pay an average insurance increase of 27%, about the same as the nationwide average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| South Carolina | $1,897/year | $2,403/year | 27% |
| Nationwide average | 26% | ||
Insurance increase after an accident
South Carolina drivers who cause an accident get an average insurance increase of 37%, about the same as the national average increase.
| State | Annual premium with clean driving record | Annual premium with a chargeable accident, no injury | % increase |
|---|---|---|---|
| South Carolina | $1,897/year | $2,590/year | 37% |
| Nationwide average | 36% | ||
Average premiums in South Carolina cities
Drivers in Florence pay the most for auto insurance among the South Carolina cities we examined.
| City | Average annual premium |
|---|---|
| Aiken | $1,687 |
| Anderson | $1,824 |
| Beaufort | $1,931 |
| Charleston | $1,879 |
| Columbia | $2,016 |
| Conway | $1,811 |
| Florence | $2,068 |
| Fort Mill | $1,631 |
| Goose Creek | $1,883 |
| Greenville | $1,831 |
| Greer | $1,691 |
| Lexington | $1,777 |
| Mount Pleasant | $1,744 |
| Myrtle Beach | $1,678 |
| North Charleston | $2,047 |
| Orangeburg | $2,061 |
| Rock Hill | $1,870 |
| Simpsonville | $1,796 |
| Spartanburg | $1,875 |
| Summerville | $1,918 |
| Sumter | $2,017 |
| West Columbia | $1,786 |
You must show an insurance ID card (or other proof of financial responsibility) in South Carolina when:
- Law enforcement requests it.
- You renew vehicle registration.
Penalties for not having auto insurance in South Carolina
- False certificate or evidence is a misdemeanor.
- First offense: fine of at least $100 but not more than $200, or up to 30 days in jail.
- Second offense within five years: fine of $200 or 30 days in jail or both.
- Third or subsequent offense within five years: jail for at least 45 days, but not more than six months.
- Making false statement as to insurance will also result in revocation of driver's license and denial of registration for six months.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 22, 2019
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