Trusted Providers Only Auto Insurance in South Carolina — From $39/mo
Find auto insurance options in South Carolina. SC quotes only from reliable, reviewed carriers
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Why compare Auto Insurance in South Carolina?
Prices can vary widely across providers in South Carolina. Whether you’re in Columbia or Charleston, comparing quotes helps you find better coverage for less.
What you get
- SC quotes only from reliable, reviewed carriers
- Full Coverage Options
- Bundle & Save options where available
Rates in South Carolina
Typical annual rates start from $470 (based on plans from $39/mo)
South Carolina is an at-fault state requiring uninsured motorist coverage. Coastal areas like Charleston may see higher rates due to weather risk.
Auto Insurance Requirements in South Carolina
- Minimum requirement
- 25/50/25
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $1,390
Estimated Rates by Driver Profile in South Carolina
Rates vary based on your driving history and profile. Here's what drivers in South Carolina typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $39–$54 | Full Coverage | ✓ |
| 1 accident in last 3 years | $58–$78 | Liability+ | ✓ |
| New driver, under 25 | $80–$110 | Basic Liability | ✓ |
| DUI on record | $100–$140 | SR-22 Required | ✓ |
| Senior driver, 65+ | $44–$62 | Full Coverage | — |
SC quotes only from reliable, reviewed carriers
Get Trusted Providers Only plans starting at $39/mo — includes Full Coverage Options.
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Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
What is the minimum auto insurance required in South Carolina?
South Carolina requires 25/50/25 liability and uninsured motorist coverage at the same limits.
Is South Carolina a no-fault state?
No. SC is an at-fault state — the responsible driver is liable for damages.
Does South Carolina require SR-22?
Yes. SC requires SR-22 after DUI, driving uninsured, and certain license suspensions.
Why is auto insurance in Charleston more expensive than Columbia?
Charleston's coastal location means higher weather-related claim risk, plus higher cost of living and vehicle repair costs.
Can I get cheap auto insurance in SC with a bad driving record?
Yes, though premiums will be higher. Comparing quotes across carriers is especially important with violations on your record.
Does South Carolina accept digital proof of insurance?
Yes. SC accepts electronic proof of insurance on a mobile device.