Car insurance premiums in South Carolina can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in South Carolina by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in South Carolina
The Subaru Crosstrek and Acura RDX are the cheapest vehicles to insure in South Carolina, closely followed by the Honda CR-V and Mazda CX-5, according to our data analysis.
Below is a list of the cheapest vehicles to insure in South Carolina and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Crosstrek | $885 |
| Acura RDX | $909 |
| Subaru Outback | $917 |
| Honda CR-V | $917 |
| Mazda CX-5 | $917 |
| Volkswagen Tiguan | $928 |
| Hyundai Venue | $931 |
| Mini Cooper Countryman JCW | $935 |
| Ford Maverick | $938 |
| Chevrolet TrailBlazer | $939 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in South Carolina
Insurance premiums can vary significantly by vehicle type. For instance, Station Wagon come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in South Carolina
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $991. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,007, followed by Volkswagen Jetta, which costs $1,038 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in South Carolina and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $991 |
| Nissan Versa | $1,007 |
| Volkswagen Jetta | $1,038 |
| Kia Forte | $1,046 |
| Nissan Sentra | $1,073 |
| Toyota Corolla | $1,074 |
| Volkswagen Jetta GLI | $1,085 |
| Honda Accord | $1,105 |
| Hyundai Elantra | $1,108 |
| Honda Civic Sedan | $1,114 |
| Toyota Camry | $1,126 |
| Nissan Altima | $1,142 |
| Mazda 3 Sedan | $1,152 |
| Hyundai Sonata | $1,161 |
| Chevrolet Malibu | $1,215 |
| Kia K5 | $1,242 |
| Mitsubishi Mirage G4 | $1,303 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in South Carolina
The Subaru Crosstrek and Acura RDX are the cheapest SUVs to insure in South Carolina, with an average cost of $885 and $909 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Crosstrek | $885 |
| Honda CR-V | $917 |
| Mazda CX-5 | $917 |
| Volkswagen Tiguan | $928 |
| Chevrolet TrailBlazer | $939 |
| Subaru Forester | $942 |
| Volkswagen Taos | $945 |
| Honda Pilot | $948 |
| Hyundai Kona | $950 |
| Subaru Ascent | $960 |
| Hyundai Tucson | $966 |
| Mini Cooper Countryman | $967 |
| Mazda CX-30 | $967 |
| Toyota Corolla Cross | $970 |
| Ford Escape | $978 |
| Toyota RAV4 | $979 |
| Toyota Highlander | $984 |
| Kia Sportage | $988 |
| Chevrolet Equinox | $990 |
| Honda HR-V | $990 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in South Carolina
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,016.
The table below compares car insurance rates for different sports cars in South Carolina
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,016 |
| Honda Civic Si | $1,119 |
| Toyota GR86 | $1,240 |
| Subaru WRX | $1,276 |
| Toyota GR Corolla | $1,303 |
| Subaru BRZ | $1,303 |
| Honda Civic Type R | $1,358 |
| BMW Z4 | $1,411 |
| Porsche 718 Boxster | $1,461 |
| Toyota GR Supra | $1,465 |
| Chevrolet Corvette | $1,482 |
| Chevrolet Camaro | $1,504 |
| Porsche 718 Cayman | $1,511 |
| Chevrolet Corvette Z06 | $1,561 |
| Ford Mustang | $1,600 |
| Nissan Z | $1,702 |
| Chevrolet Camaro ZL1 | $2,011 |
| Jaguar F-Type | $2,023 |
| Porsche 911 | $2,066 |
| Porsche 911 GT3 | $2,113 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in South Carolina
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $909 for a full coverage six-month policy. It is followed by the Volvo XC40 ($994) and Acura MDX ($1,042).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $909 |
| Volvo XC40 | $994 |
| Acura MDX | $1,042 |
| Audi Q3 | $1,057 |
| Cadillac XT5 | $1,078 |
| Mercedes-Benz GLA-Class | $1,102 |
| Cadillac XT4 | $1,130 |
| Mercedes-Benz GLB-Class | $1,134 |
| Lexus NX | $1,151 |
| BMW X1 | $1,153 |
| Lexus RX | $1,161 |
| Land Rover Discovery Sport | $1,172 |
| Cadillac XT6 | $1,174 |
| BMW X3 | $1,177 |
| Lincoln Corsair | $1,180 |
| Acura TLX | $1,197 |
| Land Rover Range Rover Evoque | $1,201 |
| Jaguar E-Pace | $1,202 |
| Mercedes-Benz GLC-Class | $1,204 |
| Alfa-Romeo Tonale | $1,204 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in South Carolina
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,868 annually, which breaks down to $239 monthly.
The table below highlights the most affordable EVs to insure in South Carolina, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,014 |
| Kia Niro EV | $1,047 |
| Volkswagen ID.4 | $1,076 |
| Hyundai Kona Electric | $1,079 |
| Subaru Solterra | $1,099 |
| Nissan Leaf | $1,120 |
| Audi Q4 e-tron | $1,145 |
| Chevrolet Silverado EV | $1,202 |
| Chevrolet Blazer EV | $1,213 |
| Hyundai Ioniq 5 | $1,216 |
| Toyota bZ4X | $1,237 |
| Kia EV6 | $1,241 |
| Ford F-150 Lightning | $1,301 |
| Genesis Electrified GV70 | $1,303 |
| Mercedes-Benz EQB | $1,304 |
| Hyundai Ioniq 6 | $1,307 |
| Nissan Ariya | $1,309 |
| Jaguar I-Pace | $1,313 |
| Cadillac LYRIQ | $1,314 |
| Volvo XC40 Recharge | $1,332 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in South Carolina
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Subaru Crosstrek is $2,749, while insuring a Subaru Outback costs $2,811 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in South Carolina?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,014 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,047, according to our analysis.
Which SUVs are the cheapest to insure in South Carolina?
The Subaru Crosstrek is one of the cheapest SUVs to insure in South Carolina, with an average cost of $885 for a six-month car insurance plan. The Acura RDX and Honda CR-V also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in South Carolina?
The Subaru Crosstrek, Subaru Outback, Honda CR-V and Subaru Forester are some of the cheapest cars to insure for an 18-year-old driver in South Carolina. On the other hand, BMW M8 Gran Coupe, BMW M8 and Maserati Quattroporte are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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