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Automotive insurance coverage in South Carolina is barely dearer than the nationwide common, however that doesn’t imply your insurance coverage premiums need to be excessive. The easiest way to search out an reasonably priced auto insurance coverage coverage is to match automotive insurance coverage quotes from quite a few suppliers.
- Least expensive automotive insurance coverage in South Carolina
- 5 automotive insurance coverage choices in South Carolina
- South Carolina automotive insurance coverage necessities
- Methods to get automotive insurance coverage in South Carolina
- Incessantly requested questions
- Our methodology
Least expensive automotive insurance coverage in South Carolina
Automotive insurance coverage suppliers in South Carolina supply a variety of costs. Based on our price estimates for full protection insurance coverage for good drivers, USAA is often the most affordable possibility in South Carolina, with common prices of $1,016 a yr. Geico is an in depth second at $1,085 a yr.
| Automotive Insurance coverage Firm | Estimated Annual Price* |
| USAA | $1,016 |
| Geico | $1,085 |
| Progressive | $1,192 |
| State Farm | $1,368 |
| Nationwide | $1,380 |
| Auto-House owners | $1,396 |
| Vacationers | $1,458 |
How a lot is automotive insurance coverage in South Carolina?
Based on the Nationwide Affiliation of Insurance coverage Commissioners (NAIC), drivers in South Carolina paid a mean of $1,094 for automotive insurance coverage in 2018. This consists of each full and minimal protection plans. In comparison with the nationwide common of $1,057 for the yr, automotive insurance coverage in South Carolina was barely dearer.
Least expensive South Carolina automotive insurance coverage for younger drivers
Geico provides the most affordable protection for younger drivers in South Carolina, based on our price estimates. USAA and Vacationers are additionally reasonably priced choices for these drivers.
| Automotive Insurance coverage Firm | Estimated Annual Price* |
| Geico | $1,561 |
| USAA | $1,644 |
| Vacationers | $1,681 |
| State Farm | $1,798 |
| Auto-House owners | $2,036 |
Least expensive South Carolina automotive insurance coverage for drivers with a dashing ticket
Not everybody has a clear driving report. Geico tends to supply the most affordable automotive insurance coverage in South Carolina for drivers with a dashing ticket, with charges of about $1,085 per yr.
| Automotive Insurance coverage Firm | Estimated Annual Price* |
| Geico | $1,085 |
| USAA | $1,250 |
| State Farm | $1,477 |
| Progressive | $1,571 |
| Southern Farm Bureau | $1,626 |
Least expensive South Carolina automotive insurance coverage for drivers with a current accident
We discovered USAA typically provides one of the best charges for drivers in South Carolina with current accidents on their data. Annual prices are about $1,473. Geico follows with averages of $1,616, and State Farm is shut behind at $1,641.
| Automotive Insurance coverage Firm | Estimated Annual Price* |
| USAA | $1,473 |
| Geico | $1,616 |
| State Farm | $1,641 |
| Southern Farm Bureau | $1,888 |
| Vacationers | $1,936 |
Least expensive South Carolina automotive insurance coverage for drivers with poor credit score
In South Carolina, having a poor credit score rating can improve your charges by as a lot as 75%, based on our price estimates. Drivers with poor credit score can discover essentially the most reasonably priced charges with Progressive, Nationwide and USAA.
| Automotive Insurance coverage Firm | Estimated Annual Price* |
| Progressive | $1,963 |
| Nationwide | $2,030 |
| USAA | $2,333 |
| Geico | $2,387 |
| Vacationers | $2,485 |
5 automotive insurance coverage choices in South Carolina
In our automotive insurance coverage scores, we have a look at components past worth, together with protection choices, availability and claims service. Right here’s how we ranked 5 automotive insurance coverage firms in South Carolina.
| South Carolina Automotive Insurance coverage Firms | Total Ranking | Protection Ranking | Price Ranking |
| 1. Geico | 9.5 | 8.5 | 8.5 |
| 2. USAA | 9.1 | 8.5 | 9.5 |
| 3. Progressive | 9.0 | 9.0 | 8.5 |
| 4. Nationwide | 8.2 | 9.0 | 7.0 |
| 5. Vacationers | 8.0 | 9.0 | 7.5 |
(Our analysis workforce considers nationwide components when scoring suppliers. The rating of suppliers on this desk is restricted to automotive insurance coverage in South Carolina.)
1. Geico
Geico provides a few of the most cost-effective automotive insurance coverage in South Carolina for a lot of varieties of drivers, together with younger drivers and people with dashing tickets. Apart from low costs, the corporate has a powerful status, with an A++ monetary ranking from AM Greatest and an A+ ranking from the Higher Enterprise Bureau (BBB).
Geico is the second-largest automotive insurance coverage supplier within the nation, and it wrote over $33 billion in premiums in 2020, based on the NAIC. With Geico, you may get all the usual protection choices, together with extras similar to mechanical breakdown insurance coverage, accident forgiveness, roadside help and rental reimbursement. Sadly, Geico’s usage-based program, DriveEasy, isn’t out there in South Carolina.
| Geico Execs | Geico Cons |
| A+ BBB ranking and A++ AM Greatest ranking | DriveEasy program not out there in South Carolina |
| Low costs in South Carolina | |
| Wide selection of additional protection choices |
2. USAA
USAA is one other reasonably priced automotive insurance coverage firm in South Carolina. You may qualify for protection in the event you’re a member of the navy, a veteran or somebody with shut household within the service. Extras from USAA embrace accident forgiveness, rideshare insurance coverage, traditional automotive insurance coverage and roadside help.
USAA stands out as having a terrific observe report for customer support. The corporate scored 890 out of 1,000 within the J.D. Energy 2021 U.S. Auto Insurance coverage Examine℠ for the Southeast area, which was greater than some other supplier. The corporate additionally carried out very properly within the J.D. Energy 2021 U.S. Insurance coverage Procuring Examine℠ and J.D. Energy 2020 U.S. Auto Claims Satisfaction Examine℠.
| USAA Execs | USAA Cons |
| Utilization-based SafePilot program out there in South Carolina | Not out there to each driver |
| Excessive J.D. Energy scores | |
| Ranking of A from the BBB and A++ monetary energy ranking from AM Greatest |
3. Progressive
In our analysis into automotive insurance coverage prices in South Carolina, we discovered Progressive to be an excellent possibility for individuals with poor credit score scores, specifically. Progressive provides a spread of automotive insurance coverage reductions, together with good scholar, home-owner and multi-policy reductions. The corporate’s usage-based Snapshot® program saves drivers a mean of $146 per time period, based on Progressive’s web site.
One perk of Progressive is that every one collision insurance coverage insurance policies embrace pet harm insurance coverage as much as a certain quantity. Different additional choices embrace hole insurance coverage, rideshare protection and customized elements worth protection.
| Progressive Execs | Progressive Cons |
| A+ BBB ranking and A++ AM Greatest ranking | Under-average J.D. Energy scores |
| Progressive Snapshot out there in South Carolina | |
| Good collection of protection choices |
4. Nationwide
Like Progressive, Nationwide is an reasonably priced possibility for South Carolina drivers with poor credit score scores. The corporate additionally carried out properly within the J.D. Energy Auto Claims Satisfaction Examine. Nevertheless, it carried out under common within the J.D. Energy Insurance coverage Procuring Examine and J.D. Energy Auto Insurance coverage Examine. The corporate has not but responded to request for remark about these scores.
Nationwide provides a safe-driving program referred to as SmartRide® that may assist South Carolina drivers save as much as 40% on auto insurance coverage. The corporate additionally provides a pay-per-mile possibility referred to as SmartMiles®, which could be helpful for full-time mother and father or distant staff who don’t drive very a lot.
| Nationwide Execs | Nationwide Cons |
| A+ BBB ranking and A+ AM Greatest ranking | Not all the time the most affordable possibility |
| Good number of reductions | Under-average scores in some J.D. Energy research |
| Above-average rating in J.D. Energy Auto Claims Satisfaction Examine |
5. Vacationers
Relying in your scenario, Vacationers could be one other reasonably priced possibility for auto insurance coverage protection in South Carolina. The corporate provides a variety of protection choices, plus extras similar to hole insurance coverage, new automotive substitute, rideshare insurance coverage and accident forgiveness.
Vacationers provides 12 reductions, together with an early quote low cost and an excellent scholar low cost. The corporate additionally provides a usage-based program referred to as IntelliDrive®, which is on the market in South Carolina. This system tracks your driving habits and may award as much as 30% off your charges. Remember that dangerous driving conduct can result in greater charges with this program.
| Vacationers Execs | Vacationers Cons |
| A+ BBB ranking and A++ AM Greatest ranking | Under-average efficiency in J.D. Energy research |
| Huge collection of protection choices | |
| Utilization-based program out there in South Carolina |
South Carolina automotive insurance coverage necessities
South Carolina requires drivers to hold $25,000 of bodily harm legal responsibility protection per individual and $50,000 per accident, in addition to $25,000 of property harm legal responsibility insurance coverage per accident. The state additionally requires uninsured motorist protection in the identical quantities (25/50/25).
While you store for automotive insurance coverage in South Carolina, you’ll see firms add underinsured motorist protection to your quote. The state requires firms to supply this protection, however you may decline it.
South Carolina automotive insurance coverage protection necessities are customary fare compared to what different states require. Nevertheless, state minimal legal responsibility automotive insurance coverage solely covers car harm and medical payments for different individuals in accidents you trigger. You could wish to add the next choices to cowl your personal car harm and medical payments after an at-fault accident:
- Collision insurance coverage
- Complete insurance coverage
- Medical funds (MedPay)
Methods to get automotive insurance coverage in South Carolina
Charges and plans differ by supplier, so what’s best for you may not be proper for others. That’s why it’s a good suggestion to match automotive insurance coverage quotes once you store.
Incessantly requested questions
Who has the most affordable automotive insurance coverage in South Carolina?
Based on our price estimates, USAA usually supplies the most affordable full protection automotive insurance coverage in South Carolina, at a mean of $1,016 a yr. Geico and Progressive are additionally reasonably priced choices, with common prices of $1,085 and $1,192, respectively.
Why is South Carolina automotive insurance coverage so excessive?
South Carolina automotive insurance coverage is pricey as a result of about 11% of drivers are uninsured within the state, based on the Insurance coverage Info Institute. Automotive insurance coverage costs may also fluctuate based mostly on excessive climate, similar to hail and excessive winds.
Is North Carolina or South Carolina automotive insurance coverage greater?
Based on the NAIC, automotive insurance coverage in South Carolina is far greater than automotive insurance coverage in North Carolina. Drivers in South Carolina pay a mean of about $1,094 per yr, whereas drivers in North Carolina pay about $734 per yr on common. Actually, there are just a few states cheaper than North Carolina for automotive insurance coverage.
How a lot is automotive insurance coverage per 30 days in South Carolina?
Based on the NAIC, automotive insurance coverage in South Carolina prices about $1,094 per yr on common. Which means automotive insurance coverage prices about $91 per 30 days on common. Nevertheless, you would possibly discover greater or decrease costs relying in your scenario.
Our methodology
We created a complete ranking system to formulate our rankings of automotive insurance coverage firms. We collected knowledge on dozens of auto insurance coverage suppliers to grade the businesses on a variety of rating components. The top consequence was an total ranking for every supplier.
Listed here are the components our scores take into consideration:
- Popularity: Our analysis workforce thought-about market share, scores from trade consultants and years in enterprise when giving this rating.
- Availability: Auto insurance coverage firms with larger state availability and few eligibility necessities scored highest on this class.
- Protection: Firms that provide quite a lot of decisions for insurance coverage protection usually tend to meet client wants.
- Price: Auto insurance coverage price estimates generated by Quadrant Info Companies and low cost alternatives have been each considered.
- Buyer Expertise: This rating is predicated on quantity of complaints reported by the NAIC and buyer satisfaction scores reported by J.D. Energy. We additionally thought-about the responsiveness, friendliness and helpfulness of every insurance coverage firm’s customer support workforce based mostly on our personal shopper evaluation.
*Information correct at time of publication.
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