Estimating the cost of car insurance in South Carolina depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in South Carolina for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in South Carolina.
- The average annual cost of a full coverage policy in South Carolina with liability limits of 100/300/100 is $2,009 or $167 per month.
- Minimum liability coverage in South Carolina costs around $720 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator South Carolina: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in South Carolina?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in South Carolina by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,722 |
| Electric | $2,739 |
| Hatchback | $2,012 |
| Hybrid | $2,275 |
| Luxury Car | $2,934 |
| Luxury SUV | $2,469 |
| Minivan | $1,964 |
| Performance SUV | $3,004 |
| Sedan | $2,169 |
| Sports Car | $3,253 |
| Station Wagon | $2,313 |
| SUV | $1,938 |
| Truck | $2,192 |
| Van | $1,892 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in South Carolina by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
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South Carolina car insurance estimates for used cars
Insuring a used car in South Carolina typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in South Carolina for used cars by make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in South Carolina
How much auto insurance do I need in South Carolina?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including South Carolina, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in South Carolina per month?
The monthly cost of full coverage car insurance in South Carolina, including collision, comprehensive, and 100/300/100 liability, is $167. For state minimum liability, it’s $60 per month, while liability coverage with 50/100/50 limits costs $77 monthly.
Does your age impact how much you pay for insurance in South Carolina?
Young drivers in South Carolina typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
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Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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