South Carolina: Best Deals For Auto And Home Insurance

Auto insurance is an important purchase, but finding cheap car insurance in South Carolina isn't always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in South Carolina is Auto-Owners at $117 a month for full coverage, according to a 2024 study. The average cost of full coverage car insurance in South Carolina is $2,135 per year, or about $178 per month.

The cheapest car insurance company in South Carolina for minimum coverage is Allstate, at $468 per year on average.

In South Carolina, drivers are required by law to maintain a minimum coverage policy for their auto insurance, which includes liability and uninsured motorist coverage.

Full coverage car insurance includes financial protection for your vehicle in the form of collision and comprehensive coverage. If you lease or finance your vehicle, most lenders require a full-coverage policy to protect their investment in your vehicle.

Cheapest car insurance for young drivers

When it comes to car insurance in South Carolina, rates can vary depending on factors such as age, gender, location, driving record, and credit score. Here is some information about finding the cheapest car insurance for young drivers in the state:

Cheapest Car Insurance for Teen Drivers

For teen drivers in South Carolina, Farm Bureau offers the most affordable rates. A liability-only policy from Farm Bureau costs $149 per month, while full coverage costs $255 per month. Keep in mind that teen drivers typically pay much more for car insurance than older adults.

Cheapest Car Insurance for 17-Year-Olds

Auto-Owners Insurance offers the cheapest average annual rate for 17-year-old female drivers in South Carolina at $2,708, while Southern Farm Bureau has the lowest average rate for 17-year-old male drivers at $3,319 per year. These rates are significantly lower than the statewide averages.

Cheapest Car Insurance for 25-Year-Olds

USAA offers the cheapest average rates for single 25-year-old drivers in South Carolina, with male drivers paying $1,329 per year and female drivers paying $1,316 per year. For those who don't qualify for USAA, Auto-Owners Insurance provides the next cheapest rates, with an average of $1,433 per year for young adult males and $1,453 for females.

Factors Affecting Car Insurance Rates for Young Drivers

Several factors can impact the cost of car insurance for young drivers in South Carolina:

• Age and Gender: In South Carolina, young drivers under 25, especially those aged 16 to 19, typically pay higher premiums due to their higher risk of being involved in accidents. Female drivers often have lower rates than males, as they tend to have fewer accidents and violations.
• Driving Record: Maintaining a clean driving record is crucial for keeping insurance premiums low. Accidents, speeding tickets, and other violations can significantly increase rates, especially for young drivers.
• Credit Score: Insurance companies often consider credit history when determining rates. A poor credit score may result in higher premiums, as it indicates a higher risk of filing claims.
• Vehicle Choice: The type of vehicle you drive can also impact your insurance rates. Certain vehicles may be more expensive to insure due to higher repair or replacement costs or a higher risk of theft or damage.

By comparing quotes from different insurance companies, young drivers in South Carolina can find the most affordable coverage that meets their needs. It's also essential to review your coverage regularly and ask about available discounts to ensure you're getting the best rate.

Cheapest car insurance for drivers with a poor credit score

In South Carolina, drivers with a poor credit score pay an additional $2,136 per year compared to drivers with good credit. This is because drivers with lower credit scores are statistically more likely to file insurance claims.

According to U.S. News, the cheapest car insurance rates in South Carolina for drivers with poor credit are offered by Travelers, at an average of $2,462 per year. This is $69 per month.

The Zebra, however, states that Farm Bureau offers the best full-coverage rates for South Carolina drivers with a low credit score. Their policies are $249 per month, which is $69 cheaper than the state average.

The average cost of full-coverage car insurance in South Carolina is $151 per month, or $1,812 per year. This is 17% higher than the national average.

It's important to note that these are sample rates and the actual cost of your car insurance is impacted by many factors, including age, location, type of car, and driving history.

Cheapest car insurance for drivers with a clean record

If you're a driver with a clean record in South Carolina, you'll be pleased to know that there are several options for cheap car insurance.

USAA and Auto-Owners are the two cheapest options for drivers with a clean record in South Carolina. USAA is the cheapest option, with an average rate of $1,084 per year. However, it's important to note that USAA policies are only available to military personnel and their families. If you don't qualify for USAA, Auto-Owners Insurance is the next cheapest option, with an average annual rate of $1,180.

Other affordable options for drivers with a clean record in South Carolina include:

• American National P&C: With an average rate of $682 per year for full coverage, American National P&C is another affordable option.
• South Carolina Farm Bureau: This company offers competitive rates for drivers with a clean record, with an average annual rate of $890 for full coverage.
• Auto-Owners Insurance Co: In addition to being the cheapest option for teens, Auto-Owners also offers competitive rates for drivers with a clean record, with an average annual rate of $1,023 for full coverage.

It's worth noting that these rates may vary depending on factors such as age, location, and the type of car you drive. Additionally, these are average rates, and your individual rate may be higher or lower depending on your specific circumstances.

Tips for Finding Cheap Car Insurance in South Carolina

• Compare quotes from multiple companies: Shopping around and comparing quotes from different insurers is a great way to find the most competitive rate.
• Look for discounts: Many insurance companies offer discounts for safe driving, low mileage, paperless billing, and more.
• Maintain a clean driving record: A clean driving record can help you qualify for lower insurance premiums.
• Consider your coverage needs: Evaluate your insurance needs and choose a policy that provides adequate coverage at a price that fits your budget.
• Review your policy regularly: It's a good idea to review your coverage annually and after any significant life changes to ensure you're getting the best rate.

By following these tips and comparing rates from the recommended companies, you can find cheap car insurance in South Carolina that suits your needs and budget.

Cheapest car insurance for drivers with a DUI

If you have a DUI on your record in South Carolina, you can expect to pay an average of $2,576 per year for car insurance. The cheapest rates for drivers with a DUI are offered by Farm Bureau, at $162 per month for full coverage. This is $92 per month less than the state average. Progressive is the second-cheapest option, at $228 per month.

After a DUI, you will probably need to get SR-22 insurance in South Carolina, which typically costs another $15 to $50.

The best way to save money on car insurance after a DUI is to shop around and compare rates from multiple companies.

Cheapest car insurance for drivers with an at-fault accident

If you're looking for the cheapest car insurance in South Carolina, Auto-Owners Insurance is a good place to start. They offer the lowest annual premium in the state, with an average rate of $1,180. The company also has the cheapest rates for drivers with a speeding ticket or an accident on their record.

USAA, an insurance company for military members and their families, has the second-lowest rates in South Carolina, with an average annual premium of $1,084.

If you're a driver with poor credit, Travelers offers the cheapest rates in South Carolina, with an average annual premium of $2,462.

For young drivers in South Carolina, Farm Bureau has the most affordable rates. A liability-only policy from Farm Bureau costs $149 per month, while full coverage costs $255 per month.

It's worth noting that these rates are averages and that your own insurance costs will depend on a number of factors, including your age, location, driving history, and type of car.

Frequently asked questions