How Much Does Auto Insurance Cost in South Carolina?
South Carolina pricing is below the national average. Updated for 2026.
Auto Insurance Pricing in South Carolina
In South Carolina, the average cost for auto insurance is $157 per month, which is 13% lower than the national average of $180. Most South Carolina residents pay between $87 and $261.
South Carolina benefits from a lower cost of living than many states, resulting in more affordable pricing for auto insurance. This makes it one of the more budget-friendly states for this service.
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
South Carolina vs National Average
What Affects Auto Insurance Cost in South Carolina?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
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💡 Tips to Save on Auto Insurance in South Carolina
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
📈 Auto Insurance in South Carolina Cost Trends (2022–2026)
Prices have increased +18.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $133 | — |
| 2023 | $139 | +4.5% |
| 2024 | $148 | +6.5% |
| 2025 | $152 | +2.7% |
| 2026 | $157 | +3.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Auto Insurance in South Carolina
Recent Reports
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.
Auto Insurance Cost in Other States
Related Cost Guides for South Carolina
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