Wouldn't it be great if you could know instantly the best company in South Carolina that has the lowest car insurance rates in South Carolina? It's just not that easy, however, as there are a whole bunch of unknown elements such as the safety ratings of your vehicle, whether you are male or female, and your driving record. We know insurance is not everyone's favorite topic, but in this article we will cover the best ways to avoid high prices and hopefully give you enough understanding to have some help in finding cheaper rates.
The vehicle driven is probably the largest consideration in finding low-priced insurance in South Carolina. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The next list illustrates coverage prices for some of the most affordable vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$821|
|Ford Edge SE 2WD||$901|
|Honda CR-V EX 4WD||$952|
|Chevrolet Impala LS||$954|
|Chevrolet Malibu Hybrid||$972|
|Honda Accord EX-L 4-Dr Sedan||$1,003|
|Dodge Grand Caravan CV||$1,005|
|Toyota Corolla S||$1,025|
|Dodge Ram Quad Cab SLT 2WD||$1,060|
|Chevrolet Equinox LT 2WD||$1,064|
|Toyota Tacoma Double Cab 4WD||$1,071|
|Honda Odyssey EX||$1,072|
|Honda Civic DX 4-Dr Sedan||$1,081|
|Ford Focus SE 2-Dr Coupe||$1,095|
|Chevrolet Silverado LS Extended Cab 4WD||$1,097|
|Toyota RAV4 Limited 4WD||$1,107|
|Volkswagen Jetta LE 4-Dr Sedan||$1,097|
|Jeep Grand Cherokee Laredo 4WD||$1,103|
|GMC Sierra Denali Crew Cab 4WD||$1,113|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$1,119|
|Ford F-150 SVT Raptor Super Cab 4WD||$1,121|
|Ford Explorer Limited AWD||$1,128|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in vehicle location which can revise price quotes greatly.
Based on these rates, models like the Ford Escape, Ford Edge, and Toyota Prius are a few of the less-costly vehicles to insure for drivers in South Carolina.
Trying to find cost effective auto insurance is confusing at best, and figuring out which company offers the best car insurance rates in South Carolina requires a bit more work. Each auto insurer has a different formula for determining prices, so first let's look at the rankings for the most affordable car insurance companies in South Carolina.
Best Insurance Companies in South Carolina
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,248|
|6||SC Farm Bureau Mutual||$1,286|
|8||National Grange Mutual||$1,375|
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The Hartford generally has some of the best car insurance rates in South Carolina at around $752 annually. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also qualify as some of the most economical South Carolina insurance companies.
As shown above, if you currently buy coverage from State Auto and switched to The Hartford, you could see a yearly savings of upwards of $353. South Carolina drivers with Auto-Owners could save as much as $355 a year, and Southern Farm Bureau policyholders might see rate reductions of $496 a year.
To get a fast rate comparison, click here to start a quote or click through to the companies below.
Remember that these policy prices are averages across all types of drivers and the different vehicles they drive and and are not figured with a price decrease in South Carolina. So the car insurance company that fits your situation best may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
For drivers in South Carolina, one of the more important criteria that determine the amount you pay each year for auto insurance is where you keep your car in South Carolina. More densely populated places like Florence, North Charleston, and Summerville tend to have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below lists the highest-priced areas in South Carolina in which to buy car insurance.
|14||Hilton Head Island||$1,127|
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Premium amounts are approximated as the specific South Carolina residence address can decrease or increase coverage rates greatly.
Get discount South Carolina insurance rates
Insurers that provide policies in South Carolina may also give you special discounts that can reduce rates by as much as 40% or more if you meet certain criteria. Larger car insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm has discounts for good student, passive restraint, good driver, safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
- Progressive offers premium reductions for homeowner, online signing, continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.
- Progressive policyholders can earn discounts including homeowner, multi-policy, multi-vehicle, good student, online signing, online quote discount, and continuous coverage.
- MetLife has savings for multi-policy, good student, accident-free, defensive driver, claim-free, good driver
- Farm Bureau discounts include multi-policy, driver training, multi-vehicle, 55 and retired, and good student.
- GEICO may include discounts for air bags, multi-policy, federal employee, membership and employees, good student, seat belt use, and five-year accident-free.
- SAFECO offers discounts including multi-car, anti-theft, homeowner, bundle discounts, teen safety rewards, accident prevention training, and teen safe driver.
The illustration below shows the difference between premium costs with and without discounts applied to the policy premium. The premiums assume a male driver, no accidents, no driving violations, South Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, multiple vehicle, passive restraint, claim-free, anti-theft, and marriage discounts applied. In this example, theaverage amount saved on car insurance in South Carolina is 28% or $431.
Impact of careless driving on South Carolina car insurance rates
The easiest way to snag affordable car insurance rates in South Carolina for drivers in South Carolina is to drive safely and avoid accidents and violations. The chart below demonstrates how citations and at-fault fender-benders raise auto insurance costs for different insured age categories. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of a car insurance policy in South Carolina per year with no accidents or violations is $1,100. Get written up for one speeding ticket and the average cost hikes up to $1,285, an increase of $185 each year. Now add one accident along with the one speeding ticket and the annual cost of car insurance in South Carolina goes up to an average of $1,791. That's an increase of $691, or $58 per month, just for not driving safely!
Choosing a highly-rated car insurance company is difficult considering how many companies sell insurance in South Carolina. The ranking data shown next could help you pick which companies you want to consider when buying insurance in South Carolina.
These ratings only include companies with a nationwide focus, so smaller regional companies are not taken into consideration for these rankings. If you wish to compare prices from these top insurers and more, follow this link.
Top 10 Major Auto Insurers Overall in South Carolina
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family