The words "low-priced" and "insurance" really shouldn't be used together, specifically when searching for the best coverage prices for government employees. To help control this cost, let's familiarize you with some situations that have an effect on insurance prices, and find some ways to lower the price of your next policy.

The vehicle you are seeking coverage for is one of the main factors when comparison shopping for the most economical coverage for government employees. Vehicles with lower performance, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than higher performance models. The next list shows car insurance prices for some of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure for Government Employees in South Carolina
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $898
Ford Escape XLS 2WD $927
Honda CR-V EX-L 2WD $952
Nissan Altima 2.5 4-Dr Sedan $972
Jeep Wrangler Unlimited Sport 2WD 4-Dr $982
Ford F-150 STX Regular Cab 2WD $984
Ford Explorer Eddie Bauer AWD $990
Toyota Prius $1,027
Nissan Rogue S AWD $1,041
Ford F-350 Super Cab Cabela Package 2WD $1,062
Jeep Grand Cherokee Laredo 4WD $1,064
Chevrolet Impala LT $1,069
Chevrolet Equinox LT 2WD $1,064
Volkswagen Jetta LE 4-Dr Sedan $1,073
Honda Odyssey EX $1,072
Toyota Tacoma Double Cab 4WD $1,084
Dodge Grand Caravan Hero $1,097
Toyota RAV4 4WD $1,103
Toyota Camry Hybrid $1,113
Ford Edge Sport 2WD $1,121
Hyundai Elantra GLS 4-Dr Sedan $1,148
Toyota Corolla LE $1,157
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,164
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Price data assumes 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, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in your specific South Carolina location which can revise premiums significantly.

Looking at the rates, we can tell that makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Nissan Altima are going to be the less-costly vehicles to insure for state and federal workers.

Figuring out which company offers the cheapest car insurance rates for government employees in South Carolina requires a tad more effort than just comparing a company or two. Each insurance company has their own process for setting rates, so let's examine the overall cheapest car insurance companies in South Carolina.

It's important that readers know that South Carolina car insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Simply getting older, marrying your spouse, or getting a couple of tickets can produce rate changes that can make some companies cheaper than competitors.

Find the Cheapest Car Insurance in South Carolina

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Rankings for the cheapest car insurance companies in South Carolina
Rank Company Cost Per Year
1 The Hartford $745
2 USAA $985
3 State Auto $1,138
4 Auto-Owners $1,141
5 SC Farm Bureau Mutual $1,248
6 Southern Farm Bureau $1,248
7 National Grange Mutual $1,321
8 State Farm $1,366
9 Travelers $1,397
10 Progressive $1,611
11 Allstate $1,637
12 Encompass $1,691
13 Nationwide $1,778
14 Safe Auto $1,907
15 GEICO $2,061
16 Bristol West $2,395
17 Liberty Mutual $2,415
18 Safeco $2,663
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The Hartford may have some of the cheapest car insurance rates in South Carolina at around $745 per year. This is $864 less than the average price paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina insurance companies.

As depicted above, if you are insured with Auto-Owners and switched to USAA, you could realize savings of around $156. Drivers with SC Farm Bureau Mutual may save as much as $263 a year, and Southern Farm Bureau insureds might reduce rates by $263 a year.

It's important to note that these prices are averages for all drivers and vehicles and are not factoring in a rate discount for government employees. So the car insurance company that can offer you the best price may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.

For state and federal workers, one of the largest factors that are looked at to help calculate the amount you pay for auto insurance is where you live. Regions with more people or even just more weather-related claims like North Charleston, Summerville, and Sumter tend to pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.

The table below rates the highest-priced places in South Carolina for government employees to buy an auto insurance policy in.

Where does South Carolina rank for car insurance cost?
Rank City Annual Premium
1 North Charleston $1,288
2 Florence $1,272
3 Summerville $1,252
4 Goose Creek $1,246
5 Sumter $1,239
6 Charleston $1,235
7 Socastee $1,235
8 Mount Pleasant $1,213
9 Myrtle Beach $1,210
10 Saint Andrews $1,195
11 Columbia $1,189
12 Hilton Head Island $1,162
13 Spartanburg $1,127
14 Greenwood $1,110
15 North Augusta $1,106
16 Greenville $1,100
17 Anderson $1,094
18 Rock Hill $1,091
19 Greer $1,087
20 Aiken $1,086
21 Easley $1,066
22 Wade Hampton $1,058
23 Taylors $1,053
24 Mauldin $1,040
25 Simpsonville $1,039
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Rates are approximated as specific South Carolina garaging address can alter premiums substantially.

Careless South Carolina drivers pay higher rates

The recommended way to enjoy good car insurance prices in South Carolina for state and federal workers is to be a good driver and have a clean driving record. The chart below highlights how traffic violations and at-fault fender-benders increase insurance costs for each age group. The costs are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of auto insurance in South Carolina per year with no accidents or violations is $1,982. Add in two speeding tickets and the average cost rises to $2,631, an increase of $649 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for government employees in South Carolina increases to an average of $4,916. That's an increase of $2,934, or $245 per month, just for not keeping your driving record clean!

Ending up with a good quality insurance company can be rather challenging considering how many companies there are to choose from in South Carolina. The company rank data in the lists below can help you decide which car insurance providers to look at when shopping around. These rankings only include companies that write coverage in many states, so smaller companies that only insure vehicles in South Carolina will not be included in these rankings.

South Carolina Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Best Car Insurance Companies

The information below shows how choosing a deductible can increase or decrease yearly insurance costs when trying to find cheap insurance for government employees in South Carolina. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could save $314 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $476 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could reduce their rates $920 each year just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have plenty of money set aside to offset the extra out-of-pocket expense that is associated with using high deductibles.