The best cheap car insurance in South Carolina

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The average South Carolina driver spends about $1,022 per year on car insurance, according to the Insurance Information Institute.

As you’re shopping for car insurance coverage, you might notice that prices vary widely. Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

That said, it’s important to compare prices and policies to save. You’ll want to get quotes from several different companies and compare them to make sure that you’re getting the best price for you. 

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The best cheap car insurance in South Carolina based on credit score

Consumer Reports gathered premium pricing formulas from every car insurance company in each state. It found that three companies came out on top for three tiers of credit. Here are the average premiums the data shows for the typical single adult driver.

Excellent credit (FICO 800+) Good credit (FICO 670-739) Poor credit (300-579)
  • USAA: $796 per year
  • State Farm: $1,020 per year
  • Amica: $1,172 per year
  • USAA: $907 per year
  • State Farm: $1,228 per year
  • GEICO: $1,367 per year
  • USAA: $2,071 per year
  • GEICO: $2,219 per year
  • State Farm: $2,237 per year

The best car insurance for drivers with a clean record

For a driver in South Carolina age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Travelers $152
Nationwide $163
GEICO $163
State Farm $168
Progressive $169
USAA* $172
Root $182
Liberty Mutual $187
Allstate $213
Safeco $219
Esurance $239

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 2,187 policyholders in the state of South Carolina 

Best car insurance for one or more accidents on record

For a driver in South Carolina age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Bristol West $120
State Farm $167
GEICO $190
Progressive $215
Esurance $237
Allstate $255

Above data obtained from Savvy, based on 2,187 policyholders in the state of South Carolina 

The best car insurance in South Carolina based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Southeast region (which includes South Carolina):

  1. Farm Bureau Insurance TN
  2. Erie Insurance
  3. Alfa Insurance
  4. GEICO
  5. Auto-Owners Insurance
  6. North Carolina Farm Bureau
  7. Kentucky Farm Bureau
  8. Region Average
  9. Progressive
  10. Allstate
  11. Safeco
  12. State Farm
  13. Farmers Insurance
  14. National General
  15. Nationwide
  16. Travelers
  17. Liberty Mutual 
  18. MetLife

South Carolina car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in South Carolina’s most populous cities:

City Average annual insurance premium 
Charleston $1,411
Columbia $1,311
North Charleston $1,286
Mount Pleasant $1,564
Rock Hill $1,339
Greenville $1,364
Summerville $1,413
Goose Creek $1,470
Sumter $1,249
Hilton Head Island $1,468
Spartanburg $1,247
Florence $1,344
Myrtle Beach $1,270
Aiken $1,327
Greer $1,406
Anderson $1,256
Mauldin $1,472
Socastee $1,304
Taylors $1,404
Lexington $1,502
Greenwood $1,162
North Augusta $1,351
Wade Hampton $1,379

Data from S&P Global Market Intelligence

The most popular car insurance companies in South Carolina based on market share 

The following are the most popular car insurance companies in South Carolina, based on the percentage of insured South Carolina drivers who use them:

Company Market share (%)
State Farm 21.20
GEICO 13.99
Progressive 12.30
Allstate 11.49
USAA* 9.78
Nationwide 4.86
Travelers 4.72
Liberty Mutual 4.60
Southern Farm Bureau Casualty 3.02
Auto-Owners Insurance 2.19
MGA Insurance 1.83
State Auto 0.95
The Hartford 0.89
Sentry 0.88
American Family 0.84
MetLife 0.74
AssuranceAmerica 0.68
National General Holdings 0.52
American National 0.52
Horace Mann 0.50

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in South Carolina? 

As the numbers above show, the drivers with the best credit scores are likely to see the lowest costs of coverage.  Raising your credit score could be a big help in lowering your rate. But, with so many factors going into your costs for coverage and each insurance company weighing those factors differently, the best way to get a good deal is to shop around. 

To do this, you’ll want to get quotes from several different companies. Once you have several quotes, compare them, and don’t just focus on the premium — the amount you pay for your policy. You’ll want to look for the policy that gives you the most coverage types and limits for your money. Also, look at the deductible, or the amount you’ll be responsible for paying if you get into an accident. The policy with the most coverage, the lowest deductible, and the most affordable premium is generally the best policy for you.

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