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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
  • 29678: $853
    SENECA


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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.

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.