Cheapest Auto Insurance in Greenville, South Carolina (2024)

USAA offers the cheapest coverage in Greenville, with a liability rate of $45 per month.

Janet Berry-Johnson
Janet Berry-Johnson
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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Daniel Roccato
Reviewed byDaniel Roccato
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  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated April 30, 2024

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Cheapest recent rates near Greenville, South Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $85/mo for full coverage in Greenville and other South Carolina cities.

*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on April 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on April 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Greenville, South Carolina, drivers pay an average of $166 per month for liability insurance, compared to the statewide average of $164 and the nationwide average of $104 per month.

Roughly 80% of Greenville residents drive alone to commute to their jobs, and traffic volume has increased substantially in recent years.[1] These factors are at least partly to blame for the higher-than-average car insurance rates in Greenville.

Understanding the factors that influence car insurance rates and shopping around for coverage options from multiple insurers can help you find affordable car insurance in Greenville.

Quick Facts
  • USAA, Auto-Owners, and State Farm have the cheapest liability insurance in Greenville.

  • The average monthly cost of full-coverage insurance is $213 in the U.S., $267 in South Carolina, and $215 in Greenville.

  • South Carolina drivers must carry uninsured motorist coverage with a $200 deductible.[2]

3 of the cheapest car insurance companies in Greenville

Your best option for cheap car insurance depends on your unique needs, driving history, vehicle, and more. While the cheapest option may be appealing, you also need to make sure it provides the right coverage.

The table below highlights three of the cheapest car insurance companies in Greenville. The quotes provided below reflect average statewide costs in South Carolina.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.5$83$51Veterans
State Farm4.5$92$56Customer service
Auto-Owners4.0$89$54Cheap rates
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo

South Carolina has the eighth-highest military retiree population in the U.S., and USAA offers insurance and other financial products for veterans, military members, and their families.

Pros
  • Offers bundling discounts

  • Highly rated mobile app

Cons
  • Only available to active military, veterans, and their families

  • Doesn’t offer motorcycle insurance or coverage for ATVs, RVs, boats, or personal watercraft

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

Best insurer for customer service: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo

Available nationwide, State Farm provides personalized service through its large network of agents. This makes it a great choice for Greenville residents who prefer face-to-face interactions over working with a call center.

Pros
  • Multiple discounts available to lower your premiums

  • 25 agents in the Greenville area provide accessible, personalized service

Cons
  • Higher premiums than some competitors — especially after an incident

  • Customer service can depend on the local insurance agency

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$78/mo

Auto-Owners is a good option for affordable coverage in Greenville, as the company offers some of the best insurance rates on average.

Pros
  • Offers policies for home, auto, life, and business insurance

  • When you bundle home and auto and have a claim that damages both, only one deductible applies

Cons
  • Quotes not available online — only through an independent agent’s office

  • No 24/7 claims service

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

How to get the cheapest car insurance in Greenville

Insurance companies consider various factors when setting rates, including your age, driving history, vehicle type, and even the ZIP code where you park your vehicle at night.

Here are some tips to help you find car insurance that fits your budget in Greenville.

  • Increase your deductibles. Choosing higher deductibles can lower your comprehensive and collision premiums. Just make sure you choose a deductible you can afford to pay out of pocket in case of a claim.

  • Maintain a clean driving record. Follow traffic laws to avoid accidents and moving violations. Insurance companies often offer safe driver discounts to drivers with clean records.

  • Bundle policies. Insurance companies offer discounts for drivers who bundle their car insurance with other policies, like home insurance, renters insurance, business insurance, or a life insurance policy.

Find Cheap Car Insurance in Greenville

Liability rates start at $45 per month

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Cheapest liability-only car insurance in Greenville: USAA

Liability-only auto insurance is the minimum coverage required in most states, including South Carolina. These policies cover damages and injuries you may cause to others in a car accident but don’t cover damage to your own vehicle.

The average cost of liability coverage in Greenville is $166 per month. Here are average liability quotes from some of the most affordable options in the city.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA45
Auto-Owners48
State Farm49
GEICO53
Safeco67
Nationwide73
Allstate77
State Auto82
Travelers83
Progressive97
Midvale Home & Auto99
Direct Auto113
Liberty Mutual121
Dairyland145
The General157
National General167
AssuranceAmerica179
Bristol West183
GAINSCO208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Greenville: USAA

Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. Collision coverage can help pay for repairs to your vehicle if you have an accident, and comprehensive insurance covers damage to your car resulting from non-collision events, such as theft, vandalism, or natural disasters.

Even though it costs more to buy full coverage, it’s a good idea to buy this coverage if you have a newer or higher-value vehicle. On average, full-coverage insurance in Greenville costs $215 per month.

The table below shows the companies offering the cheapest average monthly premiums for full-coverage car insurance in Greenville.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA73
Auto-Owners78
State Farm80
GEICO86
Nationwide111
Safeco116
Allstate125
Travelers125
State Auto143
Progressive152
Midvale Home & Auto159
Direct Auto174
AssuranceAmerica211
Liberty Mutual220
National General237
The General266
Bristol West305
Dairyland309
GAINSCO362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in South Carolina

South Carolina state law requires drivers to have proof of financial responsibility in their vehicles at all times. This means you must carry a minimum amount of liability insurance and uninsured motorist insurance to cover the cost of damages or injuries you may cause others in an accident.

South Carolina is an at-fault state, which means you need to cover the other driver’s medical bills and repair costs if you cause an accident.

Here are the minimum insurance coverage requirements for South Carolina auto insurance.[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motoristEqual to liability limits; subject to a $200 deductible

Because liability insurance doesn’t cover your vehicle, you should consider adding some common optional coverages to your auto policy.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Collision coverage

    Collision insurance covers damage to your vehicle in the event of a collision with another vehicle or object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects against physical damage to your car from non-collision events, such as theft, fire, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage helps pay for medical expenses for you and your passengers, regardless of who caused the accident.[3]

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This provides a rental car while your vehicle receives repairs for a covered insurance claim.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage offers services like towing, flat-tire changes, and locksmith services if your car breaks down on the side of the road.

Cheapest car insurance for drivers with an incident

Incidents refer to events that negatively affect your driving record and, consequently, your insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations, such as reckless driving.

Having such incidents on your record signals to insurance companies that you pose a higher risk, and they may charge you higher rates than drivers without incidents. The average cost of coverage for a Greenville driver with a past incident is $232 per month for liability coverage and $301 for full coverage.

Shop for Car Insurance in Greenville, SC

Monthly rates start at $57 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

When you receive a speeding ticket, it signals to car insurance companies that you engage in risky driving behaviors and may be at a higher risk of an accident. Insurance companies typically charge higher rates for drivers with speeding tickets on their records.

On average, Greenville drivers with a past ticket pay $250 per month for liability insurance and $324 per month for full coverage.

Compare average monthly car insurance rates from several car insurance companies in Greenville for drivers with a clean record and people with one speeding ticket.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA4560
Auto-Owners4865
State Farm4964
GEICO5370
Safeco6796
Nationwide7398
Allstate77102
Travelers83112
Progressive97134
Direct Auto113154
Liberty Mutual121172
Dairyland145198
The General157216
National General167223
AssuranceAmerica179252
Bristol West183247
GAINSCO208269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

An at-fault accident results in direct costs to the insurance company for claims made under your policy. So insurance companies often raise premiums for drivers with one or more past accidents to compensate for these expenses. The rate increase can vary depending on the severity of the accident.

The average cost for Greenville drivers with a past at-fault accident is $251 per month for liability insurance and $325 per month for full coverage.

The following table shows how an at-fault accident increases the average monthly car insurance rates for Greenville drivers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA4562
Auto-Owners4867
State Farm4966
GEICO5373
Safeco67100
Nationwide73101
Allstate77106
Travelers83115
Progressive97138
Direct Auto113160
Liberty Mutual121178
Dairyland145203
The General157223
National General167234
AssuranceAmerica179256
Bristol West183251
GAINSCO208281
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

A DUI on your record has a significant effect on your car insurance rates because it suggests high-risk behavior and an increased likelihood of costly accidents involving injuries or substantial property damage. Insurance companies may increase your rates dramatically. Some might even decline to offer coverage at all.

Greenville drivers with a past DUI pay $284 per month for liability coverage and $368 per month for full coverage.

The table below shows the difference in average monthly premiums between Greenville drivers with a clean record and people with a DUI on their record.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA4573
Auto-Owners4878
State Farm4980
GEICO5386
Safeco67109
Nationwide73119
Allstate77126
Travelers83135
Progressive97158
Direct Auto113184
Liberty Mutual121197
Dairyland145237
The General157256
National General167273
AssuranceAmerica179292
Bristol West183299
GAINSCO208339
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Several factors affect car insurance rates, including your age. Rates for new drivers are high but generally stabilize around age 35. This trend continues until about age 70, at which point rates tend to rise again. At this age, insurance companies perceive an increased risk due to factors associated with aging, such as slower reflexes and a higher likelihood of medical issues that could affect your driving.

On average, senior drivers in Greenville pay $129 per month for liability and $167 for full-coverage insurance.

The table below shows average monthly premiums for both liability-only and full-coverage car insurance for senior drivers in Greenville.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA5735
Auto-Owners6037
State Farm6037
GEICO6641
Nationwide8153
Safeco9655
Travelers9664
Allstate9860
Progressive10668
Direct Auto13085
AssuranceAmerica152129
Liberty Mutual17596
National General186131
The General211125
Bristol West238143
Dairyland243114
GAINSCO289166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teenage drivers pay higher insurance rates than older adults due to their lack of driving experience and higher statistical likelihood of accidents and traffic violations.

The average cost of car insurance for teen drivers in Greenville is $302 per month for liability coverage and $391 for full-coverage insurance.

Some tips for finding savings on car insurance at this age include:

  • Join your parents’ insurance policy. Adding a teen to a parent’s policy is usually more cost-effective than the teen having a separate car insurance policy.

  • Drive a safe car. Choosing a safe car equipped with modern safety features can lower insurance costs.

  • Take advantage of discounts. Many insurers offer discounts for teens who remain accident-free, take a defensive driving course, or maintain good grades in school.

The following table shows the cheapest car insurance options for both liability-only and full-coverage car insurance for Greenville’s teen drivers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA12275
Auto-Owners13281
GEICO13885
State Farm13985
Nationwide193127
Safeco210121
Allstate223137
Travelers228152
Progressive277176
Direct Auto321209
Liberty Mutual376207
AssuranceAmerica410348
The General432255
National General456321
Dairyland509239
Bristol West514309
GAINSCO657377
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Greenville car insurance quotes by credit tier

South Carolina state law allows car insurance companies to consider credit-based insurance scores when calculating car insurance premiums.[4] Statistics indicate that people with poor credit tend to file more claims and more expensive claims than drivers with good credit. Maintaining a good or excellent credit score can help you qualify for an affordable rate.

Here are the average full-coverage insurance rates for South Carolina drivers by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Greenville?

Car insurance rates in Greenville are higher than the national average across the country but lower than in many other cities in South Carolina. Greenville drivers pay $166 per month for liability coverage and $215 for full-coverage insurance.

Several factors contribute to Greenville car insurance rates, including its rising traffic volume. With more commuters and vehicles on the road, the risk of accidents rises, and that increases insurance rates.

But Greenville has relatively inexpensive coverage compared to rates in Charleston, the largest city in South Carolina. A higher risk of storm damage in the coastal city coupled with denser traffic in tourist-heavy areas pushes premiums up.

In comparison, Greenville is more expensive, on average, than Myrtle Beach. Despite Myrtle Beach’s status as a tourist destination, it benefits from less traffic congestion and lower traffic fatality rates than Charleston.[5]

More cities in South Carolina

The table below shows average monthly premiums for both liability-only and full-coverage auto insurance for several other cities in South Carolina.

CityLiability OnlyFull Coverage
Aiken$132$203
Anderson$148$254
Charleston$206$300
Columbia$178$273
Florence$201$341
Greer$150$202
Lancaster$185$320
Lexington$161$223
Myrtle Beach$147$190
North Charleston$227$329
Rock Hill$193$294
Spartanburg$148$230
Summerville$210$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Greenville car insurance FAQs

Before you start shopping around for car insurance, you should determine how much coverage you need. The following information should help answer your remaining questions about finding cheap auto insurance that meets your personal needs in Greenville.

  • How much is car insurance in Greenville?

    Greenville drivers pay $166 per month for liability and $215 for full-coverage insurance, on average. Ultimately, how much you pay for coverage will depend on your driving record, age, chosen coverage, and more.

  • Which company has the cheapest car insurance in Greenville?

    USAA has the cheapest coverage in Greenville, with a liability insurance rate of $45 per month. Auto-Owners and State Farm also offer affordable liability coverage, with respective rates of $48 and $49 per month. The best way to find competitive prices for full or basic coverage in Greenville is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Greenville?

    State Farm is one of the best car insurance companies in Greenville, thanks to an Insurify Quality (IQ) Score of 4.5 out of 5 and an A++ (Superior) financial strength rating from AM Best. On average, South Carolina drivers with coverage from State Farm pay $56 for liability coverage and $92 for full-coverage insurance. Other top insurers with high IQ Scores include Auto-Owners and USAA.

  • How much is car insurance per month in South Carolina?

    The average monthly cost of car insurance in South Carolina is $164 for liability coverage and $267 for full coverage. This is higher than the national averages of $104 per month for liability coverage and $213 for full-coverage insurance.

  • Why is car insurance so high in South Carolina?

    South Carolina drivers may pay higher rates than the national average due to risks associated with hurricanes and higher-than-average rates of vehicle theft. The cost of coverage will vary depending on where you live in the Palmetto State.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. City of Greenville. "GVL2040 Comprehensive Plan."
  2. South Carolina Department of Insurance. "FAQs: Auto Insurance."
  3. Insurance Information Institute. "What is covered by a basic auto insurance policy?."
  4. South Carolina Department of Insurance. "Property & Casualty."
  5. TRIP. "South Carolina Transportation by the Numbers."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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