Best Car Insurance in South Carolina for 2025 [Compare the Top 10 Companies Here!]

Progressive, Allstate, and Nationwide stand out for the best car insurance in South Carolina. Progressive keeps rates low at around $115 a month. Allstate offers solid discounts that help cut costs. Nationwide strikes a balance with affordable, well-rounded coverage. These companies make it easier to find a plan that fits your budget and needs.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 9, 2025

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Top Pick in South Carolina: Progressive
4.4

Company Facts

Full Coverage in South Carolina

$105/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Affordable Rates for Most Drivers
  • Robust Digital Tools
  • UBI Program Snapshot
  • Generous Discounts
  • Low Customer Loyalty
  • Unexpected Rate Increases
  • Snapshot Can Increase Rates
Best South Carolina Coverage: Allstate
3.8

Company Facts

Full Coverage in South Carolina

$133/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

  • Multiple add-on coverages
  • Strong financial stability
  • Widespread availability
  • High number of customer complaints
  • Expensive car insurance rates
Best Options in South Carolina: Nationwide
4.5

Company Facts

Full Coverage in South Carolina

$119/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Wide range of coverage options and add-ons for customization
  • Competitive rates for good drivers with accident forgiveness
  • Nationwide’s SmartRide program offers discounts for safe driving
  • Strong mobile app with claims tracking and policy management
  • Long wait times reported for customer service calls
  • Rates can be higher for high-risk drivers
  • Complaints about delays in claims processing

Progressive, Allstate, and Nationwide offer some of the best car insurance in South Carolina, with Progressive standing out as the top pick for its low rates and solid coverage. Progressive keeps costs down while offering flexible options, making it a great fit for many drivers.

Allstate providess valuable discount, while Nationwide balances affordability with strong policy features. These three companies make finding coverage that fits your needs and budget easier.

Our Top 10 Company Picks: Best Car Insurance in South Carolina

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Progressive: Best Car Insurance in South Carolina#110%A+Technology IntegrationProgressive
Allstate: Best Car Insurance in South Carolina#225%AComprehensive CoverageAllstate
Nationwide: Best Car Insurance in South Carolina#320%A+Deductible OptionsNationwide
American Family: Best Car Insurance in South Carolina#425%AFamily FocusAmerican Family
Liberty Mutual: Best Car Insurance in South Carolina#525%ACustomizable PoliciesLiberty Mutual
Travelers: Best Car Insurance in South Carolina#613%A++Innovative DiscountsTravelers
Farmers: Best Car Insurance in South Carolina#720%ACustomer SatisfactionFarmers
State Farm: Best Car Insurance in South Carolina#817%BWide AvailabilityState Farm
Geico: Best Car Insurance in South Carolina#925%A++Competitive PricingGeico
USAA: Best Car Insurance in South Carolina#1010%A++Military FocusUSAA

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These best car insurance companies provide excellent value with a mix of affordability, service, and coverage options.  Whether after the lowest price or the best value, this list helps you find the right fit. Ready to find affordable car insurance? Use our free comparison tool to get started.

JUST THE BASICS

  • Get the best car insurance in South Carolina with great coverage and low rates
  • Compare top providers for discounts, flexible policies, and reliable service
  • Progressive is the top pick for its affordable rates and solid coverage

Table of Contents

#1 – Progressive: Best for Affordable Rates and Flexible Coverage

Pros

  • Set Your Budget: The Name Your Price tool helps you customize a plan that works for you.
  • Trusted Choice: Progressive car insurance has an A+ rating from A.M. Best, so you know they’re solid.
  • Budget-Friendly Rates: Some of the best car insurance in South Carolina, with minimum coverage starting around $60 a month.

Cons

  • Lower Bundle Savings: Bundling only knocks off up to 10%, which isn’t as high as some competitors.
  • Fewer Local Agents: If you prefer in-person help, finding a nearby agent might be tricky.

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#2 – Allstate: Best for Discounts and Policy Perks

Pros

  • Build Your Plan: Allstate offers add-ons like accident forgiveness and new car replacements, letting you customize your coverage.
  • Rewards for Safe Drivers: With Drivewise, you can earn discounts and cashback to practice good driving habits.
  • Plenty of Local Agents: Finding help is easy since Allstate has many agents throughout South Carolina for in-person support.

Cons

  • Pricier Than Some: Allstate’s rates are higher than those of many other best car insurance options in South Carolina.
  • Claims Can Be Slow: Some drivers report delays and extra steps when processing a claim.

#3 – Nationwide: Best for Balanced Coverage 

Pros

  • Customizable Coverage: Nationwide car insurance offers add-ons like accident forgiveness and vanishing deductibles to tailor your policy.
  • SmartRide Discounts: Safe drivers can save big with this usage-based program.
  • Strong Local Presence: Many agents across South Carolina make in-person support easy to find.

Cons

  • Higher Rates for Some: Premiums can be expensive, especially for high-risk drivers.
  • Limited Availability: The discount program isn’t available to everyone in South Carolina.

#4 – American Family: Best for Customer Satisfaction

Pros

  • Plenty of Coverage Options: Offers add-ons like accident forgiveness and roadside assistance to customize your policy.
  • Safe Driving Discounts: The Know Your Drive program helps lower rates for good tips for driving habits.
  • Highly Rated Customer Service: The American Family gets solid reviews for handling claims and customer support.

Cons

  • Limited Availability: There are fewer agents in South Carolina than larger insurers.
  • Higher Premiums for Some: Rates can be pricier than other best car insurance options in South Carolina, especially for high-risk drivers.

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#5 – Liberty Mutual: Best for Customizable Coverage

Pros

  • Lots of Coverage Choices: Offers extras like new car replacement and accident forgiveness to customize your policy.
  • Save Based on Mileage: The Right Track program rewards low-mileage and safe drivers with discounts.
  • 24/7 Claims Support: Easily file claims anytime, making the process more convenient

Cons

  • Can Be Pricey: Rates are often higher than other best car insurance options in South Carolina.
  • Inconsistent Claims Experience: Some customers report delays or unexpected rate hikes after filing claims.

#6 – Travelers: Best for Safe Drivers and Multi-Policy Savings

Pros

  • Plenty of Coverage Options: Offers extras like accident forgiveness and gap insurance for more protection.
  • Good Discount Variety: Save with multi-policy bundling, safe driving, and hybrid/electric car discounts.
  • Strong Financial Backing: Travelers has a solid reputation and high ratings for financial stability.

Cons

  • Higher Rates for Some: Premiums can be expensive, especially for high-risk drivers in South Carolina.
  • Limited Local Agents: Travelers doesn’t have as many in-person agents as some competitors.

#7 – Farmers: Best for Strong Coverage Options

Pros

  • Lots of Customization: Offers add-ons like accident forgiveness and new car replacement to tailor your policy.
  • Solid Discount Options: Save with bundling, good driving, and homeownership discounts.
  • Reliable Customer Service: Farmers Car Insurance Companies is known for its helpful agents and smooth claims process.

Cons

  • Higher Premiums: Rates can be pricier than other best car insurance options in South Carolina.
  • Fewer Local Agents: There are fewer in-person agents than larger insurers.

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#8 – State Farm: Best for Local Agents and Reliable Service

Pros

  • Strong Local Presence: With many agents across South Carolina, getting in-person help is easy.
  • Great for Safe Drivers: The Drive Safe & Save program helps lower rates based on driving habits. Please find all the details in our State Farm car insurance review to get the facts.
  • Reliable Claims Process: State Farm has a strong reputation for handling claims quickly and fairly.

Cons

  • Can Be Pricey: Rates aren’t always the cheapest compared to other best car insurance options in South Carolina.
  • Limited Discounts: This doesn’t offer as many savings opportunities as some competitors.

#9 – Geico: Best for Budget-Friendly Rates

Pros

  • Budget-Friendly Rates: Geico is known for offering some of the most affordable car insurance in South Carolina.
  • Easy Online Management: The app and website make policy management and claims filing super convenient.
  • Good Discount Options: Save with bundling, military, good driver, and multi-vehicle discounts. Read our Geico car insurance review to learn more.

Cons

  • Limited Local Agents: Geico operates mostly online, so in-person help can be hard to find.
  • Rates May Increase: Some drivers report unexpected rate hikes after renewal.

#10 – USAA: Best for Military Members and Exclusive Benefits

Pros

  • Highly Competitive Rates: Offers some of the most affordable car insurance in South Carolina for military members and their families.
  • Top-Rated Customer Service: Consistently earns high marks for claims handling and support.
  • Great Discount Options: Save with bundling, safe driving, and military-specific discounts.

Cons

  • Membership Restrictions: Only available to military members, veterans, and their families.
  • Limited Local Agents: USAA car insurance Most services are handled online or over the phone, with fewer in-person locations.

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Find the Best Car Insurance Rates in South Carolina

Car insurance prices are all over the map. Some companies keep it low, while others charge more for extra perks. The key is finding a plan that fits your budget and coverage needs. Here’s a quick breakdown of what top insurers in South Carolina charge monthly.

South Carolina Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in South Carolina$55$133
American Family: Best Car Insurance in South Carolina$49$118
Farmers: Best Car Insurance in South Carolina$69$166
Geico: Best Car Insurance in South Carolina$33$79
Liberty Mutual: Best Car Insurance in South Carolina$76$185
Nationwide: Best Car Insurance in South Carolina$50$119
Progressive: Best Car Insurance in South Carolina$11$105
State Farm: Best Car Insurance in South Carolina$36$88
Travelers: Best Car Insurance in South Carolina$43$105
USAA: Best Car Insurance in South Carolina$28$69

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No one wants to spend a fortune on car insurance. The good news? You don’t have to. Shop around, snag discounts, and pick a plan that covers your needs. Plus, driving smart tips, like staying off your phone, following speed limits, and keeping your car in good shape, can help keep your rates down.

Picking a policy with Progressive is as simple as picking a pumpkin. There are no complicated steps, just an easy process that helps you find the right coverage fast. Whether comparing prices or customizing your plan, it’s all laid out for you with no hassle. Finding the perfect fit feels as easy as grabbing your favorite pumpkin at the patch!

Progressive makes finding the right coverage effortless, with 87% of customers giving it top ratings for ease and affordability.

Ty Stewart Licensed Life Insurance Agent

Top Car Insurance Discounts in South Carolina

Are you looking to reduce your car insurance costs in South Carolina? We’ve gathered some of the top discounts that can help you get the coverage you need, all while saving money. Whether you’re a safe driver, have bundling policies, or qualify for other discounts, there’s something for everyone.

Car Insurance Discounts From the Top Providers in South Carolina

Insurance CompanyAvailable Discounts
Allstate: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Anti-Theft Device Discount, New Car Discount
American Family: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Defensive Driving Course Discount, Good Student Discount
Farmers: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Good Student Discount, Alternative Fuel Discount
Geico: Best Car Insurance in South CarolinaMulti-Policy Discount, Defensive Driving Discount, Good Student Discount, Military Discount
Liberty Mutual: Best Car Insurance in South CarolinaMulti-Policy Discount, Good Student Discount, Anti-Theft Device Discount, New Car Discount
Nationwide: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Accident-Free Discount, Defensive Driving Discount
Progressive: Best Car Insurance in South CarolinaMulti-Policy Discount, Snapshot Discount, Good Student Discount, Homeowner Discount
State Farm: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Defensive Driving Discount, Good Student Discount
Travelers: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Hybrid/Electric Vehicle Discount, New Car Discount
USAA: Best Car Insurance in South CarolinaMulti-Policy Discount, Safe Driver Discount, Good Student Discount, Military Discount

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Ready to start saving? Take advantage of these discounts and enjoy great coverage at a price that works for you in South Carolina.

South Carolina Auto Insurance Review

Car insurance in South Carolina isn’t one size fits all. Your rates depend on where you live, how you drive, and the coverage you pick. Knowing what affects pricing can help you find a fair deal and avoid overpaying.

South Carolina Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Average Claim SizeBLarger claims due to accidents
Weather-Related RisksBRisk of hurricanes and floods
Traffic DensityCHigh congestion in urban areas
Vehicle Theft RateCTheft rates are moderately high
Uninsured Drivers RateDHigh rate of uninsured drivers

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If your rates feel steep, you’re not alone. But a little digging can save you money. Compare prices, explore your options, and access auto insurance to ensure you get solid coverage without overspending.

Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.

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Frequently Asked Questions

How Much Does Car Insurance Cost in South Carolina?

Rates vary, but the average cost is around $110 per month, depending on factors like location and driving history.

Who Has the Best Car Insurance in South Carolina?

Top providers include Progressive, State Farm, and GEICO, known for their

What’s the Minimum Car Insurance Required in South Carolina?

You need at least 25/50/25 in liability coverage, plus uninsured motorist protection to legally drive.

What Are the Best Ways to Lower My Car Insurance Costs?

Maintaining a clean record, bundling policies, and asking about discounts can help reduce costs.

Does South Carolina Require Full Coverage?

No, but lenders may require comprehensive collision coverage if you finance or lease your car.

What Factors Affect My Car Insurance Rates?

Your age, driving record, location, and vehicle type all play a role in determining your premium.

Is Progressive a Good Choice in South Carolina?

Progressive offers competitive rates, multiple discounts, and flexible coverage options.

Is Affordable Car Insurance Possible with a Bad Driving Record?

Yes, but expect higher rates. Shopping around and looking for high-risk insurers can help. Enter your ZIP code to shop for coverage from the top insurers.

What Discounts Are Available for South Carolina Drivers?

Many insurers offer savings for safe driving, bundling, military service, and good student performance.

Does Credit Score Affect Car Insurance in South Carolina?

Insurers use credit-based scores to determine rates, so a good score can mean lower premiums.

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