Comparing rates for reasonably-priced car insurance is not the easiest thing to do, and finding out which company quotes the lowest-priced auto insurance rates for Lyft drivers in South Carolina will involve a bit more work. Every auto insurer has a proprietary method to establish rates, so first let's look at the rankings for the overall cheapest auto insurance companies in South Carolina.

It's a good idea to know that South Carolina auto insurance rates are impacted by many things which can substantially change your annual premium. Price variation is why it is crucial to perform an extensive rate comparison to find affordable car insurance quotes for Lyft drivers. Rates are determined by many different factors and can change without notice, so the best company the last time you shopped around may now be costing you a lot of money.

Find the Cheapest Auto Insurance for Your Lyft Vehicle

Start Your Free Quote

Rankings for the cheapest South Carolina auto insurance companies
Rank Company Cost Per Year
1 The Hartford $745
2 USAA $1,015
3 State Auto $1,138
4 Auto-Owners $1,153
5 SC Farm Bureau Mutual $1,260
6 Southern Farm Bureau $1,298
7 National Grange Mutual $1,321
8 Travelers $1,384
9 State Farm $1,422
10 Allstate $1,573
11 Progressive $1,611
12 Encompass $1,641
13 Nationwide $1,760
14 Safe Auto $1,907
15 GEICO $2,041
16 Liberty Mutual $2,439
17 Bristol West $2,468
18 Safeco $2,690
Find Your Rate Go

The Hartford generally has some of the cheapest car insurance rates in South Carolina at around $745 each year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also qualify as some of the cheaper South Carolina insurance companies.

As depicted above, if you currently have coverage with SC Farm Bureau Mutual and switched to USAA, you could see a yearly price reduction of around $245. Policyholders with Southern Farm Bureau might save as much as $283 a year, and National Grange Mutual customers might cut rates by $306 a year.

It's important to note that these premium estimates are averaged across all drivers and vehicles in South Carolina and are not factoring in a rate discount for Lyft drivers. So the auto insurance company that can offer you the best price may not even be in the top 18 companies in the list above. That's why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The vehicle model requiring insurance is a large factor that determines if you can find the best auto insurance for Lyft drivers. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models.

The next list illustrates car insurance costs for the most affordable automobiles to insure in South Carolina.

Cheapest Vehicles to Insure for Lyft Drivers in South Carolina
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $839
Hyundai Elantra SE Touring Station Wagon $892
Ford Escape XLS 4WD $898
Toyota Camry LE $972
Toyota RAV4 4WD $977
Ford Explorer Eddie Bauer 4WD $990
Toyota Prius $999
Jeep Wrangler Sahara 4WD 2-Dr $1,005
Honda Civic LX 4-Dr Sedan $1,007
Volkswagen Jetta SE 2.5 Station Wagon $1,056
Dodge Ram Crew Cab SLT 2WD $1,060
Chevrolet Malibu Hybrid $1,064
Chevrolet Equinox LT AWD $1,069
Chevrolet Impala LT $1,064
Dodge Grand Caravan Hero $1,071
Jeep Grand Cherokee Laredo 2WD $1,064
Ford Focus SES 2-Dr Coupe $1,095
Get a Custom Quote Go

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific garaging location which can influence premium rates substantially.

Based upon the rates shown, vehicles like the Honda CR-V, Hyundai Elantra, Ford Escape, Toyota Camry, and Toyota RAV4 are the most affordable vehicles to insure for Lyft vehicles.

One of the more important things that help determine auto insurance rates is where your car is garaged. Regions with more people or even just more weather-related claims like North Charleston, Charleston, and Summerville likely pay more, whereas areas with less people or fewer weather incidents profit from lower rates.

The information below rates the most expensive areas in South Carolina for Lyft drivers in which to purchase auto insurance.

South Carolina cities ranked by car insurance cost
Rank City Annual Rate
1 North Charleston $1,301
2 Florence $1,298
3 Charleston $1,273
4 Goose Creek $1,258
5 Summerville $1,252
6 Sumter $1,252
7 Columbia $1,189
8 Mount Pleasant $1,189
9 Socastee $1,187
10 Myrtle Beach $1,186
11 Hilton Head Island $1,162
12 Saint Andrews $1,160
13 Spartanburg $1,127
14 Rock Hill $1,102
15 Greenville $1,100
16 Greenwood $1,099
17 Aiken $1,097
18 North Augusta $1,095
19 Anderson $1,094
20 Mauldin $1,071
Find Cheaper Rates Go

Rates are estimated as specific South Carolina zip code can impact coverage prices greatly.

Impact of citations and accidents on insurance rates

The common sense way to earn cheap auto insurance premiums in South Carolina for Lyft vehicles is to be a careful driver and avoid accidents and traffic violations. The chart below shows how speeding tickets and accidents can drive up car insurance costs for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of auto insurance in South Carolina per year with no accidents or violations is $1,532. Get two speeding tickets and the average cost increases to $2,113, an increase of $581 each year. Now get one accident along with the two speeding tickets and the annual cost of auto insurance for Lyft drivers in South Carolina jumps again to an average of $2,693. That's an increase of $1,161, or $97 per month, just for not being more responsible behind the wheel!

South Carolina auto insurance company ratings

Finding a high-quality insurance provider can be challenging considering how many companies sell insurance in South Carolina. The rank data shown next can help you select which companies to look at when trying find the best insurance for Lyft drivers.

The rankings below are only made up of major nationwide insurance companies, so companies that may only write in South Carolina are not taken into consideration for the list. To compare prices from these top insurers and more, just click here.

Top 10 Major Auto Insurance Providers Overall in South Carolina

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Get discount South Carolina auto insurance rates

Auto insurance companies that provide policies for Lyft drivers may have price discounts that could potentially reduce rates by 30% or more if you meet certain criteria. A few of the larger companies and some of the discounts are shown below.

The illustration below illustrates the comparison of insurance prices with and without discounts applied to the policy premium. Data assumes a male driver, no accidents or driving violations, South Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, accident-free, marriage, passive restraint, anti-theft, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for Lyft drivers is 28% or $728.

Tips to find low-cost insurance for Lyft drivers in South Carolina

Below you'll find some of the recommended thrifty ideas that can help drivers find more affordable car insurance.

That last idea is especially necessary, as we hit on in the prior article. Insurance prices fluctuate constantly, so don't be tentative to buy a different policy if you find a better deal.

Being loyal to a particular company is commendable, but it isn't a good idea if that devotion results in you overpaying hundreds of dollars year after year. Take a few minutes and compare rates to find cheaper insurance for Lyft drivers.