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.

Cheapest Vehicles to Insure in South Carolina
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 2WD $821
Ford Edge SE 2WD $901
Toyota Prius $911
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

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South Carolina car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $752
2 USAA $995
3 State Auto $1,105
4 Auto-Owners $1,107
5 Southern Farm Bureau $1,248
6 SC Farm Bureau Mutual $1,286
7 State Farm $1,366
8 National Grange Mutual $1,375
9 Travelers $1,397
10 Allstate $1,621
11 Progressive $1,643
12 Encompass $1,691
13 Nationwide $1,778
14 GEICO $1,981
15 Safe Auto $1,985
16 Liberty Mutual $2,415
17 Bristol West $2,420
18 Safeco $2,663
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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.

How much does car insurance cost in South Carolina?
Rank City Annual Rate
1 Florence $1,298
2 Charleston $1,285
3 North Charleston $1,262
4 Goose Creek $1,258
5 Summerville $1,240
6 Columbia $1,225
7 Mount Pleasant $1,225
8 Myrtle Beach $1,222
9 Sumter $1,202
10 Socastee $1,187
11 Saint Andrews $1,160
12 Greenwood $1,132
13 Aiken $1,130
14 Hilton Head Island $1,127
15 Greenville $1,111
16 North Augusta $1,095
17 Anderson $1,094
18 Spartanburg $1,094
19 Rock Hill $1,091
20 Wade Hampton $1,090
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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.

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

  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