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South-Carolina

South Carolina Car Insurance Rates


The Piedmont region of South Carolina has the state's cheapest state car insurance rates, and while car insurance is relatively inexpensive statewide, the difference between different insurance companies can be substantial. We've got every ZIP code in South Carolina mapped out below.

South Carolina car insurance requirements

South Carolina state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Uninsured motorist property damage $25,000

South Carolina Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In South Carolina
  • 29810: $1,161
    ALLENDALE
  • 29934: $1,156
    GRAYS-TILLMAN
  • 29911: $1,155
    BRUNSON
  • 29918: $1,154
    ESTILL
 
Cheapest Neighborhoods
In South Carolina
  • 29672: $840
    SENECA
  • 29691: $843
    WALHALLA
  • 29630: $852
    CENTRAL
  • 29696: $853
    WALHALLA


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What you need to know about car insurance in South Carolina

Penny Gusner
CarInsurance.com
Consumer Analyst

South Carolina not only requires liability insurance for bodily injury and property damage (as almost all states do) and uninsured motorist coverage (as many do), it demands its drivers buy uninsured motorist property damage as well.

That $25,000 would repair or replace your car if you get hit by someone without insurance -- but it won't fix your car if you are at fault. Only collision coverage does that.

Bring your insurance card. South Carolina requires an insurance company name and policy number at time of registration. If your policy is canceled, you must turn in your driver's license and registration or find new coverage. You'll pay a$200 reinstatement fee, plus $5 for every day you failed to have car insurance..

Register as an uninsured motorist: South Carolina allows a driver to pay a $550 annual fee to register as an uninsured motorist. The driver is still liable for any damage he causes, and the fee doesn't buy any kind of coverage. We think this is a really, really bad option.

Uninsured motorist penalties for South Carolina: If you don't register and pay the $500 fee to drive uninsured, you may have to pay a $445 fee, your license and registration may be suspended, your plates may be confiscated and you may have to file an SR-22 form.

Save your driver's license: South Carolina reduces your total driver's license points by half after one year, though a record of the violation stays on your motor vehicle record for three years. You can also reduce your points total by four by taking a defensive driving course. License suspensions start at 12 points; a 25-mph over the speed limit ticket is six points; a broken taillight is two.

No glass deductible: But only if you have comprehensive coverage.

White lightning alert: You can lose your South Carolina driver's license for hauling moonshine.

Largest car insurance companies for South Carolina by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 695,728 24.43
2 Allstate Insurance Group 413,083 14.51
3 Berkshire Hathaway Insurance 279,149 9.80
4 Nationwide Group 275,061 9.66
5 USAA Group 218,042 7.66
6 Progressive Insurance Group 186,888 6.56
7 Liberty Mutual Insurance Companies 126,963 4.46
8 SC Farm Bureau Group 113,626 3.99
9 Travelers Group 95,772 3.36
10 Auto-Owners Insurance Group 48,427 1.70
Source: A.M. Best market share rankings are based on direct premiums written in 2013.