Best Car Insurance in South Carolina (2025)

Auto-Owners, State Farm, and GEICO are the best car insurance companies for South Carolina drivers.

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Shopping for car insurance can be difficult, and everyone has different priorities regarding auto insurance. To help you make sense of your options, Insurify analyzed 50 car insurance companies in South Carolina.

Here’s a look at the best insurers in South Carolina and the various factors to consider when evaluating your options.

Best car insurance companies in South Carolina

The best car insurance company for you will vary depending on your budget, coverage needs, and driving history. Whether you’re a military family or you’re looking for ways to save on insurance for a teen driver, here are the five best car insurance companies in South Carolina.

Auto-Owners: Best overall

State Farm: Best for teen drivers

GEICO: Best for discounts

USAA: Best for military families

Nationwide: Best for policy add-ons

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in South Carolina to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in South Carolina

Finding cheap car insurance is important, but price is only one aspect of finding the best car insurance for you. Here are four tips for getting the best car insurance in South Carolina:

Average cost of car insurance in South Carolina 

The average monthly cost of full-coverage car insurance in South Carolina is $238, compared to the national average of $182 per month. Auto insurance premiums have been rising across the board in recent years, and many South Carolina drivers have felt the effects.

In 2024, the average annual cost of full-coverage car insurance in South Carolina was $3,393, which is a 29% increase from the previous year, according to Insurify data. Unfortunately, these costs are projected to rise to $3,603 in 2025 — a 6% increase.

Best car insurance in South Carolina FAQs

Here’s a look at some additional information about finding the best car insurance in South Carolina.

  • How much is car insurance in South Carolina?

    The average rate for full-coverage car insurance in South Carolina is $238 per month, and the average rate for liability-only coverage is $168 per month.

  • What are the best car insurance companies in South Carolina?

    Auto-Owners, State Farm, GEICO, USAA, and Nationwide are the best car insurance companies for South Carolina drivers. But just because these companies are the best on average doesn’t mean they’ll be the best for you. Make sure to shop around and compare your options.

  • What is the required auto insurance coverage amount in South Carolina?

    In South Carolina, the minimum requirements for car insurance are 25/50/25. You need at least $25,000 in bodily injury liability insurance per person and $50,000 per accident. You also need at least $25,000 in property damage liability. South Carolina law also requires drivers to carry at least 25/50/25 in uninsured motorist coverage.2

Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Jamie has been a contributor at Insurify since October 2022.