South Carolina Car Insurance [Rates + Cheap Coverage Guide]

South Carolina's average car insurance rates are $973/yr or $81.08/mo. South Carolina car insurance requirements are 25/25/50 for bodily injury and property damage coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: May 25, 2020

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South Carolina Statistics Summary
Road MilesTotal in State: 76,301
Vehicle Miles Driven: 49,931 billion
VehiclesRegistered: 3,902,945
Total Stolen: 12,902
State Population39,557,045
Most Popular VehicleFord F-150
Motorists Uninsured9.4%
State Rank: 37th
Driving Deaths2013-2017
Speeding: 1787
Drunk Driving: 1630
Annual PremiumsLiability: $527
Collision: $265
Comprehensive: $180
Combined Premium: $973
Cheapest ProviderState Farm

Known for its beautiful beaches, miles of shoreline, historical cities, and some of the best vacation spots in America, South Carolina is certainly a great place to go on a honeymoon, start a family, and even retire. But if you’re driving all that gorgeous shoreline, one thing is for sure: it is imperative to have car insurance. Trying to find the best car insurance is difficult — especially when there are so many options available these days.

How do you know what car insurance company is best suited for you? What kind of car insurance do you need? With this comprehensive guide, you will learn everything there is to know about choosing the right type of car insurance and which car insurance company to buy from.

In this guide, we cover types of insurance coverages, state laws, providers, and more. To start comparing rates in your area today, use our FREE online tool above.

Table of Contents

South Carolina Car Insurance Coverage and Rates

If you’re having a hard time understanding the different plans and types of car insurance, don’t feel overwhelmed! You’ve come to the right place.

We want you to understand exactly what your plan covers (and what it doesn’t cover). After all, you are paying for it, right?

Hold on tight and keep reading to learn all about South Carolina insurance companies, major insurance types, and rates in South Carolina and in the surrounding states.

South Carolina Minimum Coverage

When you apply for a driver’s license (or renew your license) in the state of South Carolina, you must state either that you are an insured driver, or that you do not own a vehicle.

Because South Carolina is an at-fault state, state residents are required to carry liability auto insurance that meets at least the following minimums:

  • $25,000 for bodily injury or death per person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 for total bodily injury or death liability per accident caused by the owner/driver of the insured vehicle
  • $25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

But what does liability coverage mean and what does it cover?

Simply put, you are liable or at-fault for any damages that occur because of an accident you caused.

These damages include covering the costs of medical bills to anyone who is injured because of the accident, as well as covering the costs of vehicle damages and property damages. If the cost of the damages incurred from the accident is higher than what your insurance covers, you are required to pay for the rest of these damages.

Keep in mind that minimum liability insurance does not cover anything that happens to you or your vehicle at the time of the accident if it was caused by you or the person driving your car.

Who is covered by minimum liability insurance?

  • A family member or friend that is driving your car at the time of the accident
  • Any person who was given permission to drive your car at the time of the accident
  • It is likely to cover you if you are driving a rental car at the time of the accident

Minimum coverage is the cheapest option when it comes to car insurance, but it is not the same across the nation. Take a look.

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Just remember if you’re worried about being held responsible for more than the minimum liability coverage, it might be a good idea to purchase a plan with better insurance.

Forms of Financial Responsibility

Proof of insurance proves financial responsibility, and by law, South Carolina drivers must be able to prove financial responsibility at all times. Vehicle owners must maintain proof of insurance at all times and must give a copy to any law enforcement officer demanding to see it.

Acceptable forms of proof of insurance are:

  • Liability Insurance ID Card
  • Valid Binder (temporary form of insurance card)
  • Copy of the car’s current insurance policy

If you’re pulled over and caught without proof of insurance on a car you don’t own and you are given a ticket, you must provide proof of insurance within 30 days. If you cannot show proof within 30 days, you may need to pay a $100 reinstatement fee.

If you received a ticket for not having insurance on a car you do own, your license and registration will be suspended until the South Carolina DMV receives a $550 uninsured motorist fee and you must prove that you will have insurance for the next three years.

Verifying Your Insurance

The South Carolina DMV will verify your insurance when you register or renew the tags on your vehicle. If your policy is not valid or cannot be found, your license and registration will be suspended and you may need to pay a $400 fee to reinstate your driving privileges.

Don’t want to lose your license and have to pay fees left and right? Make sure you keep your proof of insurance on your person and in your vehicle at all times.

But wait! There’s more! Sit tight for more info about car insurance premiums in South Carolina.

Premiums as a Percentage of Income

South Carolina’s average disposable per capita annual income is $33,295. Per capita income is the amount of money a person has after paying taxes.

If $33,295 is the average annual per capita, this means that the average monthly amount of income is $2772.58.

The yearly average amount that residents pay for car insurance in South Carolina is $936.69. That means they are paying a monthly rate of $78.06!

The average rate (or amount) for car insurance in America is $974.26, so South Carolina rates are roughly $40 lower than the average. Of course, if you add more coverage to your insurance plan, your rates are sure to go up in price.

Below is a table showing South Carolina average car insurance rates by type: liability, collision, comprehensive, and combined.

Average Monthly Car Insurance Rates in SC (Liability, Collision, Comprehensive)

Coverage TypeAnnual Costs (2015)

The data above is reliably sourced from the National Association of Insurance Commissioners.

Remember, this data was pulled from 2015, and rates may be higher for 2019.

Sometimes it’s best to have additional insurance on top of the required insurance for your state in case of a bad accident.

Where you live also affects your rates, especially from state to state.

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Still have no idea what you’re doing? Don’t worry! Next, we will help you understand some additional coverage types, and why they are important. Be aware that these types can be added to any basic car insurance plan.

Additional Liability Coverage

Loss Ratio201420132012
Medical Payments (MedPay)84.33%90.12%88.86%
Unisured/Underinsured Motorist Coverage (UUM)73.79%72.37%69.29%

The table above shows that in 2014, about 84 percent of medical bill claims were covered by the person’s insurance company and almost 74 percent of uninsured/underinsured claims were also covered.

This is called a loss ratio. Car insurance companies who aren’t covering enough claims may be scamming you out of paying too much towards your yearly premium rate. But, companies who are covering too many claims, run the risk of bankrupting themselves. That being said, car insurance companies who pay about 60-85 percent of claims are good companies to invest in when it comes to making sure your claim will be covered appropriately.

The table above shows that South Carolina has good rates for claims being covered.

For example:

If you are paying $1,200 a year towards your premium, about 84 percent of that money is going towards covering claims — whether you or someone else with your car insurance company has been in an accident.

Although these types of additional liability coverage plans are not required in the state of South Carolina, you might decide that adding some extra padding to your plan is a good idea.

Approximately 9.4 percent of motorists in South Carolina are uninsured. South Carolina is ranked 37th in the state for uninsured drivers!

But what does this frightening fact mean for you? Almost 10 percent of drivers will not be able to pay for damages in accidents that they cause! Most of these accidents caused by uninsured drivers will cause the driver to go bankrupt, leaving you vulnerable to covering the costs of damages yourself.

Also, be sure to find a company that doesn’t have super high (over 90 percent) or super low (under 60 percent) loss ratios.

Add-Ons, Endorsements, and Riders

We’ve already made it crystal clear that having just the required amount of car insurance isn’t always the smartest idea. But are there any other factors to consider? How do you know what other scenarios your plan should cover?

Below is a list of some of the most cost-effective insurance coverage out there.

Pay attention! This list is extremely important and will help you save money when an accident occurs.

Just like with additional liability coverage, these add-ons can be added separately to your existing policy, or all at once, giving you the option to customize your plan.

Average Monthly Car Insurance Rates by Age & Gender in SC

Did you know that things like your age, gender, and what you do for work, and if you’re married or single can influence your car insurance rate?

The proof is in the pudding below!

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CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate F&C$2,575.42$2,575.42$2,462.77$2,462.77$6,662.45$8,518.45$2,858.85$3,111.28
Bristol West Select$3,198.86$3,212.56$3,054.08$3,319.19$8,424.07$9,324.42$3,486.65$3,514.99
Geico Govt Employees$2,292.59$2,292.59$2,092.47$2,092.47$5,552.76$5,685.15$2,674.55$2,741.48
Nationwide Mutual Fire$2,469.20$2,501.59$2,223.66$2,308.30$5,970.02$7,692.64$2,792.80$3,045.71
Progressive Northern$2,477.19$2,286.14$2,128.88$2,225.14$10,287.93$11,361.20$2,848.88$2,969.28
State Farm Mutual Auto$1,938.66$1,938.66$1,755.90$1,755.90$5,564.16$6,994.35$2,175.82$2,447.27

As you can see, the younger you are, the higher the rate you’ll pay.

Males are often associated with being reckless drivers, so more than likely they will pay more for car insurance than females do.

Highest and Lowest Insurance Rates by ZIP Codes

If you live in a big city, your rate might be higher than someone who lives in the country, or vice versa. See if you can find your ZIP code in the chart or lists below.

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Cheapest ZIP Codes in South CarolinaCityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
29672SENECA$3,115.58Progressive$3,579.43Allstate$3,415.04GEICO$2,565.72State Farm$2,833.51
29630CENTRAL$3,145.58Progressive$3,566.99Allstate$3,516.93GEICO$2,565.72State Farm$2,737.87
29665NEWRY$3,149.62Progressive$3,579.43Allstate$3,415.04GEICO$2,565.72State Farm$2,772.98
29675RICHLAND$3,155.03Progressive$3,579.43Allstate$3,415.04GEICO$2,565.72State Farm$2,772.98
29691WALHALLA$3,166.58Progressive$3,790.86Farmers$3,508.45GEICO$2,565.72State Farm$2,734.29
29631CLEMSON$3,197.43Progressive$3,861.76Farmers$3,710.66GEICO$2,565.72State Farm$2,699.23
29676SALEM$3,206.09Progressive$3,940.77Farmers$3,623.51GEICO$2,565.72State Farm$2,689.60
29696WEST UNION$3,217.19Progressive$3,969.16Farmers$3,667.62GEICO$2,565.72State Farm$2,751.09
29384WATERLOO$3,225.08Progressive$3,703.61Allstate$3,577.44GEICO$2,694.51State Farm$2,713.91
29678SENECA$3,243.62Progressive$3,919.60Farmers$3,671.68GEICO$2,565.72State Farm$2,787.44
29664MOUNTAIN REST$3,249.79Progressive$4,144.41Farmers$3,766.09GEICO$2,565.72State Farm$2,665.68
29649GREENWOOD$3,265.18Allstate$3,608.76Farmers$3,540.15GEICO$2,694.51State Farm$3,058.20
29360LAURENS$3,274.83Progressive$3,742.80Allstate$3,577.44GEICO$2,694.51State Farm$2,933.08
29686TAMASSEE$3,281.99Progressive$4,231.99Farmers$3,820.09GEICO$2,565.72State Farm$2,772.98
29693WESTMINSTER$3,282.69Progressive$4,249.81Farmers$3,775.24GEICO$2,565.72State Farm$2,710.30
29653HODGES$3,282.69Progressive$3,703.61Allstate$3,577.44State Farm$2,801.83GEICO$2,932.61
29634CLEMSON$3,284.03Progressive$4,245.12Farmers$3,924.92GEICO$2,565.72State Farm$2,605.92
29632CLEMSON$3,293.34Progressive$4,245.12Farmers$3,924.92GEICO$2,565.72State Farm$2,772.98
29685SUNSET$3,297.56Progressive$4,227.89Farmers$3,930.35GEICO$2,565.72State Farm$2,735.92
29689TOWNVILLE$3,300.96Progressive$4,137.45Farmers$3,805.52GEICO$2,565.72State Farm$2,803.61
29332CROSS HILL$3,305.73Progressive$3,807.26Allstate$3,695.94State Farm$2,745.30GEICO$2,761.75
29645GRAY COURT$3,306.89Progressive$3,824.81Allstate$3,694.75GEICO$2,717.44State Farm$2,949.06
29670PENDLETON$3,307.03Progressive$4,074.82Farmers$3,925.33GEICO$2,565.72State Farm$2,712.82
29370MOUNTVILLE$3,320.32Progressive$3,903.48Farmers$3,687.20GEICO$2,761.75State Farm$2,773.66

Seneca has the cheapest ZIP code in South Carolina.

Most Expensive ZIP Codes in South CarolinaCityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
29933MILEY$4,519.05Farmers$6,522.32Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
29810ALLENDALE$4,504.34Progressive$5,893.85Farmers$5,603.79State Farm$3,343.86USAA$3,939.94
29918ESTILL$4,499.47Farmers$5,824.91Progressive$5,611.39State Farm$3,371.09USAA$3,939.94
29939SCOTIA$4,493.57Farmers$5,824.91Progressive$5,611.39State Farm$3,329.79USAA$3,939.94
29913CROCKETVILLE$4,449.78Farmers$6,522.32Progressive$4,607.45State Farm$3,329.79USAA$3,939.94
29433CANADYS$4,434.52Farmers$6,522.32Progressive$4,731.33State Farm$3,329.79GEICO$3,780.89
29827FAIRFAX$4,412.90Progressive$5,607.56Farmers$5,282.19State Farm$3,311.69USAA$3,939.94
29921FURMAN$4,405.94Farmers$6,522.32GEICO$4,320.69State Farm$3,354.61USAA$3,939.94
29934PINELAND$4,396.05Farmers$5,601.37Progressive$5,227.88State Farm$3,343.22USAA$3,939.94
29944VARNVILLE$4,386.30Progressive$5,694.00Farmers$5,669.24State Farm$3,295.29GEICO$3,677.41
29481SMOAKS$4,369.12Farmers$5,486.93Progressive$5,358.73State Farm$3,358.76GEICO$3,707.18
29911BRUNSON$4,363.46Farmers$5,367.87Progressive$5,223.76State Farm$3,263.75USAA$3,939.94
29923GIFFORD$4,338.69Farmers$5,259.85Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
29932LURAY$4,338.69Farmers$5,259.85Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
29924HAMPTON$4,333.58Farmers$5,178.39Progressive$5,172.50State Farm$3,295.29USAA$3,939.94
29916EARLY BRANCH$4,295.75Farmers$5,139.84Progressive$4,917.16State Farm$3,324.36USAA$3,939.94
29486SUMMERVILLE$4,291.55Progressive$6,330.20Farmers$4,486.60State Farm$3,335.97GEICO$3,363.86
29922GARNETT$4,252.93Farmers$4,952.29Progressive$4,743.26State Farm$3,386.08USAA$3,939.94
29046ELLIOTT$4,248.92Farmers$5,797.64Progressive$4,870.51State Farm$3,320.82GEICO$3,779.59
29430BETHERA$4,239.55Farmers$6,542.72Nationwide$4,364.41State Farm$3,335.97GEICO$3,395.57
29104MAYESVILLE$4,229.63Farmers$5,718.85Progressive$4,931.71State Farm$3,203.35GEICO$3,779.59
29836MARTIN$4,215.45Progressive$5,303.60Farmers$5,186.48State Farm$3,329.79GEICO$3,707.18
29450HUGER$4,214.87Farmers$5,333.72Progressive$5,068.38State Farm$3,228.14GEICO$3,512.70
29476RUSSELLVILLE$4,179.21Progressive$5,051.12Farmers$5,030.80State Farm$3,335.97GEICO$3,512.70
29468PINEVILLE$4,174.40Farmers$5,236.46Progressive$5,172.71State Farm$3,091.77GEICO$3,395.57

Highest and Lowest Insurance Rates by Cities

The lists below compare car insurance rates based on cities with the highest rates versus cities with the lowest rates.

Cheapest Cities in South CarolinaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Central$3,145.58Progressive$3,566.99Allstate$3,516.93GEICO$2,565.72State Farm$2,737.87
Newry$3,149.62Progressive$3,579.43Allstate$3,415.04GEICO$2,565.72State Farm$2,772.98
Richland$3,155.03Progressive$3,579.43Allstate$3,415.04GEICO$2,565.72State Farm$2,772.98
Walhalla$3,166.58Progressive$3,790.86Farmers$3,508.45GEICO$2,565.72State Farm$2,734.29
Seneca$3,179.60Progressive$3,749.52Farmers$3,519.99GEICO$2,565.72State Farm$2,810.48
Salem$3,206.09Progressive$3,940.77Farmers$3,623.51GEICO$2,565.72State Farm$2,689.60
West Union$3,217.19Progressive$3,969.16Farmers$3,667.62GEICO$2,565.72State Farm$2,751.09
Waterloo$3,225.08Progressive$3,703.61Allstate$3,577.44GEICO$2,694.51State Farm$2,713.91
Mountain Rest$3,249.79Progressive$4,144.41Farmers$3,766.09GEICO$2,565.72State Farm$2,665.68
Clemson$3,258.27Progressive$4,117.33Farmers$3,853.50GEICO$2,565.72State Farm$2,692.71
Laurens$3,274.83Progressive$3,742.80Allstate$3,577.44GEICO$2,694.51State Farm$2,933.08
Tamassee$3,281.99Progressive$4,231.99Farmers$3,820.09GEICO$2,565.72State Farm$2,772.98
Westminster$3,282.69Progressive$4,249.81Farmers$3,775.24GEICO$2,565.72State Farm$2,710.30
Hodges$3,282.69Progressive$3,703.61Allstate$3,577.44State Farm$2,801.83GEICO$2,932.61
Sunset$3,297.56Progressive$4,227.89Farmers$3,930.35GEICO$2,565.72State Farm$2,735.92
Townville$3,300.97Progressive$4,137.45Farmers$3,805.52GEICO$2,565.72State Farm$2,803.61
Cross Hill$3,305.73Progressive$3,807.26Allstate$3,695.94State Farm$2,745.30GEICO$2,761.75
Gray Court$3,306.89Progressive$3,824.81Allstate$3,694.75GEICO$2,717.44State Farm$2,949.06
Pendleton$3,307.03Progressive$4,074.82Farmers$3,925.33GEICO$2,565.72State Farm$2,712.82
Mountville$3,320.32Progressive$3,903.48Farmers$3,687.20GEICO$2,761.75State Farm$2,773.66
Fair Play$3,323.71Progressive$4,266.56Farmers$3,859.49GEICO$2,565.72State Farm$2,787.44
Long Creek$3,333.92Progressive$4,274.73Farmers$3,941.61GEICO$2,565.72State Farm$2,772.98
Mount Carmel$3,352.98Progressive$3,839.66Allstate$3,735.83State Farm$2,776.13GEICO$2,932.61

The next list shows which cities have the most expensive rates for car insurance.

Most Expensive Cities in South CarolinaAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Miley$4,519.05Farmers$6,522.32Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
Allendale$4,504.34Progressive$5,893.85Farmers$5,603.79State Farm$3,343.86USAA$3,939.94
Estill$4,499.47Farmers$5,824.91Progressive$5,611.39State Farm$3,371.09USAA$3,939.94
Scotia$4,493.57Farmers$5,824.91Progressive$5,611.39State Farm$3,329.79USAA$3,939.94
Crocketville$4,449.78Farmers$6,522.32Progressive$4,607.45State Farm$3,329.79USAA$3,939.94
Canadys$4,434.52Farmers$6,522.32Progressive$4,731.33State Farm$3,329.79GEICO$3,780.89
Fairfax$4,412.90Progressive$5,607.56Farmers$5,282.19State Farm$3,311.69USAA$3,939.94
Furman$4,405.94Farmers$6,522.32GEICO$4,320.69State Farm$3,354.61USAA$3,939.94
Pineland$4,396.05Farmers$5,601.37Progressive$5,227.88State Farm$3,343.22USAA$3,939.94
Varnville$4,386.30Progressive$5,694.00Farmers$5,669.24State Farm$3,295.29GEICO$3,677.41
Smoaks$4,369.12Farmers$5,486.93Progressive$5,358.73State Farm$3,358.76GEICO$3,707.18
Brunson$4,363.46Farmers$5,367.87Progressive$5,223.76State Farm$3,263.75USAA$3,939.94
Gifford$4,338.69Farmers$5,259.85Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
Luray$4,338.69Farmers$5,259.85Progressive$5,092.35State Farm$3,329.79USAA$3,939.94
Hampton$4,333.58Farmers$5,178.39Progressive$5,172.50State Farm$3,295.29USAA$3,939.94
Early Branch$4,295.75Farmers$5,139.84Progressive$4,917.16State Farm$3,324.36USAA$3,939.94
Summerville$4,291.55Progressive$6,330.20Farmers$4,486.60State Farm$3,335.97GEICO$3,363.86
Garnett$4,252.93Farmers$4,952.29Progressive$4,743.26State Farm$3,386.08USAA$3,939.94
Elliott$4,248.92Farmers$5,797.64Progressive$4,870.51State Farm$3,320.82GEICO$3,779.59
Bethera$4,239.55Farmers$6,542.72Nationwide$4,364.41State Farm$3,335.97GEICO$3,395.57
Mayesville$4,229.62Farmers$5,718.85Progressive$4,931.71State Farm$3,203.35GEICO$3,779.59
Martin$4,215.45Progressive$5,303.60Farmers$5,186.48State Farm$3,329.79GEICO$3,707.18
Huger$4,214.87Farmers$5,333.72Progressive$5,068.38State Farm$3,228.14GEICO$3,512.70
Russellville$4,179.20Progressive$5,051.12Farmers$5,030.80State Farm$3,335.97GEICO$3,512.70
Pineville$4,174.40Farmers$5,236.46Progressive$5,172.71State Farm$3,091.77GEICO$3,395.57

Best South Carolina Car Insurance Companies

Now that we’ve touched on different types of car insurance, it’s time to start discussing how to find a good car insurance company, and why and how that company will meet your needs in the long run.

But sometimes it’s a full-time job just to research all of the different car insurance companies out there, and that’s exactly why we took some of the guesswork out of it for you.

Picking one of the largest companies can be a good choice. Take a look at some of the dominant ones in South Carolina below.

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Stay tuned as we hit company ratings, complaints, and more.

The Largest Companies’ Financial Ratings

What is an AM Best Rating?

According to, an AM Best Rating is an independent opinion based on a company’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

Here is a complete table of financial ratings for some of the largest companies in the state of South Carolina.

Company NameRatingWrittenRatioShare
State Total$3,976,59770.62%100.00%
State Farm GroupA++$949,69270.89%23.88%
Allstate Insurance GroupA+$473,09458.46%11.90%
USAA GroupA++$365,47692.18%9.19%
Progressive GroupA+$340,85561.82%8.57%
Nationwide Corp GroupA+$283,08662.32%7.12%
Liberty Mutual GroupA$206,43469.57%5.19%
Travelers GroupNR$176,21970.63%4.43%
Southern Farm Bureau Casualty GroupA+$134,63981.21%3.39%
Auto-Owners GroupA++$68,46974.46%1.72%

As you can see, all of these companies have a pretty good loss ratio. USSA Group is slightly high at 92.18 percent, but overall, none of these companies are at risk of going bankrupt.

Companies with Most Complaints in South Carolina

Take a good look at the data below.

This is a list showing company complaints versus total complaints against the top ten car insurance companies in South Carolina. Remember that there can be invalid complaints. It does not mean a company is a bad company just because it may receive complaints every once in a while.

Top Providers of Car Insurance in South CarolinaCompany Complaint Ratio in 2017Total Complaints 2017
State Farm Group0.441482
Allstate Insurance Group0.5163
USAA Group02
Progressive Group0.75120
Nationwide Corp Group0.2825
Liberty Mutual Group0.0076
Travelers Group0.0092
Southern Farm Bureau Casualty Group03
Auto-Owners Group0.5331

Cheapest Car Insurance Rates in South Carolina

CompanyAverage Annual RateCompared to State AveragePercentage Compared to State Average
Allstate F&C$3,903.42$122.293.13%
Bristol West Select$4,691.85$910.7119.41%
Geico Govt Employees$3,178.01-$603.13-18.98%
Nationwide Mutual Fire$3,625.49-$155.65-4.29%
Progressive Northern$4,573.08$791.9417.32%
State Farm Mutual Auto$3,071.34-$709.80-23.11%

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If you take a look at how Bristol West Select compares to Geico, you can see that Geico costs 36% less. That’s almost $2,000 less than BWS! Yikes!

<!–South Carolina Average Companies–>

Cost of Commutes by Traveler

For some people, how many miles they drive a day can affect their insurance rate.

CompanyCommute and Annual MileageAnnual Average
Farmers10 miles commute. 6000 annual mileage.$4,691.85
Farmers25 miles commute. 12000 annual mileage.$4,691.85
Progressive10 miles commute. 6000 annual mileage.$4,573.08
Progressive25 miles commute. 12000 annual mileage.$4,573.08
Allstate25 miles commute. 12000 annual mileage.$3,985.09
Allstate10 miles commute. 6000 annual mileage.$3,821.76
Nationwide10 miles commute. 6000 annual mileage.$3,625.49
Nationwide25 miles commute. 12000 annual mileage.$3,625.49
USAA25 miles commute. 12000 annual mileage.$3,460.97
USAA10 miles commute. 6000 annual mileage.$3,388.56
Geico25 miles commute. 12000 annual mileage.$3,195.12
Geico10 miles commute. 6000 annual mileage.$3,160.90
State Farm25 miles commute. 12000 annual mileage.$3,147.78
State Farm10 miles commute. 6000 annual mileage.$2,994.90

Most companies add around $100 more per year if you average 25 miles of driving a day. But, Allstate adds just under $200 to their yearly premium.

Still, commute times are among the smallest factors to affect your rates. Take a look.

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Coverage Level Rates in South Carolina

Sometimes it can be tempting to go with a lower annual car insurance premium. But, a better plan with better insurance will protect you in case of an accident or natural disaster.

Look at the following table while you consider different coverage prices.

GroupCoverage TypeAnnual Average
State FarmHigh$3,298.48
State FarmMedium$3,070.05
State FarmLow$2,845.49

By shopping around with different companies, you may be able to get better coverage for just a couple bucks more every year. Take a look at Nationwide for example — the difference between their medium and high coverage rate is $43 a year!

Credit History Rates

Can good or bad credit history affect my car insurance rate? You betcha bottom dollar it can!

GroupCredit HistoryAnnual Average
State FarmPoor$4,406.26
State FarmFair$2,691.12
State FarmGood$2,116.65

If you have really bad credit, you are likely going to pay a few thousand dollars more a year for your car insurance premium. If you have great credit, generally you’ll pay less for car insurance. It’s that simple.

According to The Balance Magazine, the average credit score for South Carolina residents in 2017 was 657.

One other important factor that may impact your insurance rate even more than credit score does is your driving record.

Driving Record Rates

GroupDriving RecordAnnual Average
ProgressiveWith 1 accident$5,451.21
FarmersWith 1 accident$5,418.24
FarmersWith 1 speeding violation$4,919.23
GeicoWith 1 DUI$4,719.15
NationwideWith 1 DUI$4,701.43
AllstateWith 1 accident$4,662.04
USAAWith 1 DUI$4,618.87
ProgressiveWith 1 DUI$4,555.95
ProgressiveWith 1 speeding violation$4,533.45
FarmersWith 1 DUI$4,508.61
AllstateWith 1 DUI$4,121.23
FarmersClean record$3,921.33
AllstateWith 1 speeding violation$3,887.64
ProgressiveClean record$3,751.71
NationwideWith 1 accident$3,727.79
State FarmWith 1 accident$3,416.22
USAAWith 1 accident$3,341.10
NationwideWith 1 speeding violation$3,180.84
GeicoWith 1 accident$3,134.80
State FarmWith 1 DUI$3,039.99
State FarmWith 1 speeding violation$3,039.99
USAAWith 1 speeding violation$3,032.40
AllstateClean record$2,942.78
NationwideClean record$2,891.90
State FarmClean record$2,789.17
USAAClean record$2,706.69
GeicoClean record$2,429.04
GeicoWith 1 speeding violation$2,429.04

As you can see, if you have had a DUI or even one speeding violation, your rates can dramatically increase. But if you’re a clean driver, your rates are likely to be on the lower end of the spectrum.

Number of Insurers in South Carolina

DomesticForeignTotal Number of Licensed Insurers

What is the difference between licensed and foreign insurance?

South Carolina has its own set of laws that they abide by: these are called domestic laws. Domestic insurance is insurance that is created under South Carolina law.

Foreign insurance is created under the laws of any other state in America.

South Carolina State Laws

Have you ever been traveling through an unfamiliar state and gotten pulled over because you didn’t obey a traffic law? Usually, if you’re a good driver, you don’t disregard traffic laws on purpose. However, just because you’re unaware of the state laws doesn’t mean you’re going to get off with just a warning.

But what are some of the state driving laws in South Carolina?

Keep scrolling to learn more about South Carolina state laws.

Car Insurance Laws

We’ve already said that South Carolina requires every driver to have car insurance. According to the NAIC, regarding rate filings, filings under 7 percent are file and use, over 7 percent are prior approval. Regarding form filings, prior approval (60-day deemer).

File and use filings means that rates must be filed with the state insurance department prior to their use. Prior approval filings are filings that must be filed and approved by the state insurance department before they can be used.

South Carolina state law requires everyone to have minimum liability coverage.

Fun fact:

There is no deductible for windshields for private passenger vehicles if you have comprehensive insurance. So the next time you’re driving down the road and a rock smashes into your windshield and it needs to be replaced, don’t worry — South Carolina state law says that you don’t have to pay to cover the cost of that cracked or broken windshield!

Next, we will cover high-risk car insurance and what it means to have high-risk insurance.

High-Risk Insurance

No one wants to pay a higher car insurance premium, but sometimes, you can’t always get what you want.

You can’t always get what you want especially if you have been in a car accident.

South Carolina drivers that have been convicted of serious violations, such as a DUI, or who have had their licenses suspended may be required to file an SR-22 with their insurance.

Scan the list below for a few reasons that you might have to have high-risk insurance.

  • Conviction of DUI/DWI
  • Driving while uninsured
  • A traffic violation that results in a fatality or serious injury
  • A high number of points on your driving record
  • A high-risk car (sports cars, etc.)
  • Being over 70 years old

It doesn’t happen all the time, but if you are required to have high-risk insurance, some companies may not want to insure you. If you want to read more about high-risk insurance, click here.

Low-Cost Insurance

If you really, really want low-cost insurance, be a great driver. Avoid car accidents and don’t drink and drive. It’s pretty self-explanatory.

There are ways to lower your car insurance rate other than just being a great driver.

Here are just a few:

  • Good student discount
  • Anti-theft device discount
  • Multi-car discount
  • Homeowner’s discount

But wait! There are ways to save even more! Shopping around, comparing rates, and asking for a price-match with other companies are all great ways to save.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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Automobile Insurance Fraud in South Carolina

Insurance fraud by definition according to the Insurance Information Institute is a deliberate deception perpetrated against or by an insurance company or agent for the purpose of financial gain.

Just like every other state in America, insurance fraud is illegal in the state of South Carolina.

But how do you commit insurance fraud?

  • Making a false claim
  • Faking an accident
  • Adding more damage to a legitimate claim

Still wondering what not to do when it comes to insurance fraud? Watch this short video about insurance fraud fails.


Insurance fraud in South Carolina is considered a felony and can be punishable by jail time.

Statute of Limitations

Statute of limitations means that there is a certain amount of time to file a charge against someone or something — or in this case, a claim. If you forget to file a claim or don’t file it within that statute of limitations, you will not receive money from your insurance company.

In South Carolina, a person has just three years to file a claim for property damage and/or personal injury.

Specific Driving Laws

Section 38-59-10 in the South Carolina code of laws says that when an insurer under an insurance policy requires a written proof of loss after the notice of the loss has been given by the insured or beneficiary, the insurer or its representative shall furnish a blank to be used for that purpose.

If the forms are not furnished within 20 days after the receipt of the notice, the claimant is considered to have complied with the requirements of the policy as to proof of loss upon submitting within the time fixed in the policy for filing proofs of loss written proof covering the occurrence, character, and extent of the loss for which claim is made.

The 20-day period after notice of loss to furnish forms applies to all types of insurance unless a lesser time period is specifically provided by law.

Vehicle Licensing Laws

Since all drivers are required to have car insurance in South Carolina, there are serious penalties for driving without car insurance.

Penalties for Driving Without a Insurance

1st OffenseFine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee
Second OffenseFine: $200 and/or 30-day imprisonment — within 10 years; license/registration suspended until proof of insurance plus $200 reinstatement fee

As you can see, if you drive without insurance, you may end up in prison for 30 days without warning!

If you do have insurance, (and we hope you do by now) you need to provide proof of insurance at all times.

Some acceptable forms of proof of insurance are:

  • Valid, current insurance card
  • Copy of your car’s current insurance policy
  • Valid insurance binder (this is a temporary form of insurance)

If you fail to surrender your registration and plates to a law enforcement officer and your insurance policy lapses, your license and registration will also be suspended until you show valid proof of insurance and pay a $200 reinstatement fee.

Teen Driver Laws

To get a learners license in South Carolina, you must be at least 15 years old. Take a look at the table below for more license requirements.

Getting a License in SCRequirements
Mandatory Holding Period6 Months
Minimum Supervised Driving Time40 hours, ten of those hours must be at night
Minimum Age15, 6 Months

Teens in South Carolina with restricted licenses must also follow the requirements listed below.

Restricted License Requirements in South CarolinaTime
Nighttime Restrictions6 p.m.-6 a.m. EST; 8 p.m.-6 a.m. EDT
Passenger restrictions (family members excepted unless noted otherwise)no more than 2 passengers younger than 21 unless transporting students to and from school
Minimum Age at Which Restriction May be LiftedAge
Nighttime Restrictions12 months and age 17 if intermediate license has been held for at least 6 months (min. age: 16, 6 mos.)
Passenger restrictions12 months and age 17 if intermediate license has been held for at least 6 months (min. age: 16, 6 mos.)

Driver’s License Renewal Procedures

In South Carolina, it doesn’t matter if you’re 19 or 90 when you’re renewing your license — everyone young or old must renew their license every eight years and must show adequate proof of vision at the time of renewal.

South Carolina drivers are permitted to renew their license online or through the mail.

New Residents

If you want to drive that beautiful South Carolina shoreline and you just moved from another state to South Carolina, you have to get car South Carolina car insurance.

If you remember, South Carolina requires you to have the following minimum insurance coverage:

  • $25,000 for bodily injury or death per person
  • $50,000 for total bodily injury or death per accident
  • $25,000 for property damage per accident

If you want to stay with the same car insurance company that you had in the state you moved from, you can absolutely do that — unless they won’t insure you in South Carolina.

Negligent Drivers

Reckless or negligent driving in South Carolina is defined as as driving in a way that shows a willful or wanton disregard for the safety of persons or property. For a first violation, a motorist faces up to 30 days in jail or $25 to $200 in fines.

Reckless driving is a misdemeanor in South Carolina. The penalties for a conviction are:

  • First offense. Motorists convicted of a first reckless driving offense face up to 30 days in jail or $25 to $200 in fines.
  • Repeat offense. In addition to the first-offense penalties (see above), anyone convicted of a second or subsequent reckless driving offense within a five-year period is looking at a three-month license suspension.

A reckless driving conviction will also add six demerit points to a motorist’s driving record.

Don’t forget that a bad driving record will increase your car insurance rates.

South Carolina’s Rules of the Road

Just like we mentioned above, if you don’t know driving laws in the specific state you’re driving in, you are at risk of being pulled over and given a citation.

Keep reading to learn more about South Carolina’s rules of the road.

Fault vs. No Fault

South Carolina is an at-fault state. This means that when you cause an accident, you are the one who is responsible for covering the costs of damages and medical bills that resulted from that accident.

It is recommended that you purchase more than the minimum amount of insurance required as medical bills and car repair costs can add up very quickly.

Seat Belt and Car Seat Laws

Don’t be a dummy and drive without a seat belt. It takes two seconds to pull that buckle across your chest and the reward for doing so could be saving your life.

Seat Belt Laws in South CarolinaDetails
Effective SinceJuly 1st, 1989
Primary Enforcementyes, effective December 9th, 2005
Age/Seats Applicable8+ years in all seats
1st Offense Max Fine$25

South Carolina wants your child to be safe, so pay attention to these car sear laws and don’t put your child in harm’s way.

Type of Car Seat RequiredAge
Rear-Facing Child RestraintYounger than 2 years in rear-facing child restraint until exceeding manufacturer height/weight limit
Forward-Facing Child RestraintChildren younger than 2 who outgrow rear-facing system and children 2 and older must be in forward-facing restraint with harness until exceeding manufacturer height/weight limit
Child Booster SeatChildren 4 and older who outgrow forward-facing child restraint must be in belt positioning booster using lap/shoulder belts until child is at least 8 years or at least 57 inches
Preference for Rear Seat7 years and younger must be in the rear seat if available
Adult Belt Permissible8 years or at least 57 inches tall if (1) lap belt fits across hips and thighs, not abdomen (2) shoulder belt crosses center of chest and not neck (3) knees bend over seat edge when sitting up straight with his/her back firmly against seat back

Will insurance cover me if I am riding in the bed of a pick-up truck at the time of an accident?

Keep in mind that you will not be covered if:

  • you are 15 or older
  • you are 15 and younger when an adult is present
  • your child is belted
  • if you are riding during a parade
  • if you are riding during an emergency situation
  • for agricultural activities
  • hunting
  • if your vehicle was operated in your county at the time of the accident
  • if your vehicle has a secured metal tailgate and operated at less than 36 mph at time of accident

Keep Right and Move Over Laws

South Carolina state law says keep right if you want to drive slower than the traffic around you. Basically, if you want to drive slow or you need to drive slow, just stay in the right lane.

The state law also says to reduce your speed and to vacate the lane closest to stationary emergency vehicles.

These vehicles include but are not limited to:

  • Tow trucks
  • Recovery vehicles
  • Ambulances
  • Utility service vehicles

Remember to be cautious of workers on the side of the road and you should not have a problem following this law.

Speed Limits

Usually, if you’re going to get a ticket, it’s going to be a speeding ticket. Look at the box below to learn about South Carolina speed limit laws.

Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads60 mph
Other Roads55 mph


If you are interested in getting a job driving for ridesharing companies like Uber or Lyft, you’ll need to have ridesharing insurance to protect you in case of an accident.

Geico is one car insurance company who provides ridesharing insurance.

Automation on the Road

Right now, there aren’t any laws against managing automated vehicles in the state of South Carolina.

Safety Laws

Every state has their own set of safety laws. Keep reading to find out what the safety laws are the South Carolina.

DUI Laws

In 2018, South Carolina was ranked 2nd in the nation for drunk driving fatalities. SafeWise reports that there were 7.98 drunk driving related deaths per 100,000 people in 2018.

DUI OffenseDUI Limit
Name for OffenseDriving under the influence (DUI)
BAC Limit0.08
High BAC Limit0.16
Criminal Status1st misdemeanor, 2nd in 10 years class C misdemeanor, 3rd in 10 years class A misdemeanor, 4th+ in 10 years class F felonies.
Look Back Period10 Years

Because of this data, South Carolina has strict laws against drunk driving.

DUI Penalties by Offense NumberLicense RevokedJail TimeFineOther
First Offense6 Months48 Hours - 30 Days$400 minimum ($992 with assessments and surcharges)
Second Offense1 Year5 Days - 1 Year$2,100-$5,100 ($10,744.50 with assessments and surcharges)
Third Offenseminimum 2 years. 4 years if within 5 years of 1st offense60 days - 3 years$3800 - $6300 ($13,234.50 with assessments and surcharges)if within 10 years of first offense, vehicle must be confiscated if offender is owner or resident of owner's house
Fourth Offensepermanent1-5 years

Don’t drink and drive. Doing so could cost you your license, jail time, money, your own life or someone else’s.

Marijuana Impaired Driving Laws

Currently, there are no laws against doing marijuana while driving. However, that doesn’t mean you can’t be held responsible for driving under the influence of marijuana.

The state of South Carolina can charge you for impaired driving which could lead to fines, jail time and more.

Distracted Driving Laws

Sometimes, texting or talking on your cell phone while driving can be worse than drunk driving.

While it’s not illegal to talk on the phone while driving, it is illegal to text while driving.

Hand held banYoung driver cell phone banTexting banEnforcement
NoNoAll driversPrimary

What is primary enforcement?

If a police officer suspects that you are texting while driving, he or she has every right to pull you over.

South Carolina Can’t-Miss Facts

We’ve covered state driving laws in depth, but now it’s time to jump into some of the most-known driving facts in South Carolina.

Similar to other states, South Carolina has unique driving risks. Knowing these risks will help keep you protected while driving along those gorgeous Carolina shorelines.

Up next we will cover everything you need to know about car theft, EMS response time, and more.

Vehicle Theft in South Carolina

Obviously, certain cars are more valuable than others, so some cars are more likely to be stolen than others.

If your car is stolen, your insurance may cover the cost to replace it. Below is a list of the top-10 most stolen cars in South Carolina.

Ford Pickup (Full Size)2006586
Honda Accord1996458
Chevrolet Pickup (Full Size)2004455
Ford Crown Victoria2003210
Toyota Camry2014183
Honda Civic2000176
Dodge Pickup (Full Size)2001172
Chevrolet Impala2008166
Nissan Altima2015155
Ford Explorer2002146

According to this list, Ford pickups are the most stolen car in South Carolina.

But did you know that where you live can affect whether or not your car is at risk of being stolen?

Scan this list from the FBI to see how many thefts happened in your city in 2013.

Due West81
Edisto Beach581
Folly Beach1147
Forest Acres44624
Fort Lawn241
Fort Mill1702
Fountain Inn1089
Goose Creek72449
Great Falls875
Holly Hill9512
Honea Path958
Isle of Palms1075
Lake City42020
Lake View350
Moncks Corner41535
Mount Pleasant1,19564
Myrtle Beach3,497470
New Ellenton442
North Augusta70126
North Charleston4,409503
North Myrtle Beach1,153136
Port Royal20713
Rock Hill2,066121
St. George1049
St. Matthews519
Sullivans Island471
Surfside Beach17418
Tega Cay1151
Travelers Rest28010
Ware Shoals10810
West Columbia62540
West Pelzer1067
West Union342

Dangers on the Road in South Carolina

Now that we’ve discussed car theft, let’s move on to more dangers on the road in South Carolina.

In 2017, there were 988 traffic fatalities in South Carolina.

Some of those fatalities were caused by inclement weather.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal

Fatality Rates by County

2014201520162017Fatalities per 100k Population
Abbeville County7664828.1124.1924.1916.1832.36
Aiken County252326373915.2714.0115.7122.1723.19
Allendale County4342440.7130.9242.4622.0844.43
Anderson County334532574417.3523.4416.529.0922.14
Bamberg County4247425.9513.1827.1948.1827.81
Barnwell County4655818.0127.2522.9623.1637.48
Beaufort County13231730267.613.139.4516.3513.92
Berkeley County274036343413.9620.2417.7916.0515.6
Calhoun County7121010746.780.8667.7667.7947.61
Charleston County444764547111.8312.3716.4413.6217.69
Cherokee County9151752016.0626.6230.088.8135.02
Chester County10917181530.5627.7652.4955.7646.44
Chesterfield County12316912266.534.6419.4926.12
Clarendon County111017211932.0829.2450.0161.3355.79
Colleton County131721241834.545.2856.0563.8347.86
Darlington County181325241526.5119.1936.9935.6222.3
Dillon County714711922.2944.7322.4535.6929.35
Dorchester County171632321711.6410.7220.8620.8510.87
Edgefield County03234011.267.4911.2914.99
Fairfield County887101334.4934.7430.644.1957.5
Florence County312338293222.4416.5727.3920.9523.09
Georgetown County1371861521.5411.5329.369.7824.35
Greenville County71627387741512.8714.8717.4314.6
Greenwood County671112108.5910.0515.7417.114.21
Hampton County3571414.7124.4734.955.0320.41
Horry County555881706719.0319.4726.221.7820.1
Jasper County81515251130.2756.0554.3489.0638.65
Kershaw County171318181927.1720.5828.2928.0129.21
Lancaster County5161514186.219.1817.3915.5819.45
Laurens County112422212916.6236.133.1231.5543.38
Lee County4685521.7632.7244.9228.428.82
Lexington County393546434714.2712.6216.3415.0116.17
Marion County89119824.9328.1834.6528.3425.56
Marlboro County41399814.2546.3932.6333.2929.82
Mccormick County1434410.1240.7631.0541.841.91
Newberry County7476718.6810.6118.515.7718.19
Oconee County313131118417.2917.1514.423.29
Orangeburg County342831302837.5131.1134.7933.9632.01
Pickens County141316192011.7510.813.1915.4516.2
Richland County634145695215.8710.2411.0816.8712.63
Saluda County5601724.8829.8504.9334.23
Spartanburg County333975545111.3513.325.2717.9416.62
Sumter County172620201815.7724.1418.6418.6416.85
Union County3567610.7217.9121.6425.2821.79
Williamsburg County16118171548.3633.624.6353.3848.18
York County23251836289.6410.227.1813.9510.51

Traffic Fatalities

Traffic fatality rates in rural areas are significantly higher than they are in urban areas.

Traffic Fatalities (Rural Vs. Urban)2008200920102011201220132014201520162017

Fatalities by Person Type

Road type may be a major cause in accidents, however, vehicle type can also be a major cause.

South Carolina Fatalities by Person TypeType of Vehicle20132014201520162017
OccupantsPassenger Car268327358367375
Light Truck - Pickup110118105118116
Light Truck - Utility94106121118133
Light Truck - Van1615343018
Large Truck1010241717
Other/Unknown Occupants321076
Total Occupants502579653661668
Light Truck - Other01032
MotorcyclistsTotal Motorcyclists149121185186145
Bicyclist and Other Cyclist1514162518
Other/Unknown Nonoccupants12243
Total Nonoccupants116123141173175

Fatalities by Crash Type

If you check the list below, you’ll see that speeding results in many accidents, especially in accidents involving fatalities.

Crash Type20132014201520162017
Total Fatalities (All Crashes)*7678239791,020988
Single Vehicle476503527575569
Involving a Large Truck646311410490
Involving Speeding305307366393416
Involving a Rollover190194208215234
Involving a Roadway Departure473501541568575
Involving an Intersection (or Intersection Related)141150200233173

Five-Year Trend for the Top-10 Counties in South Carolina

Up next, we have a list of the top-10 counties in South Carolina with the most fatalities.

5 Year Trend For The Top 10 Counties of 2017 - Fatalities20132014201520162017
Greenville County7162738774
Charleston County4447645471
Horry County5558817067
Richland County6341456952
Spartanburg County3339755451
Lexington County3935464347
Anderson County3345325744
Aiken County2523263739
Berkeley County2740363434
Florence County3123382932

Fatalities Involving Speeding by County

2014201520162017Fatalities per 100k Population
Abbeville County4124616.064.038.0616.1824.27
Aiken County97720205.54.264.2311.9811.89
Allendale County2110020.3510.3110.6200
Anderson County10151321175.267.816.710.728.55
Bamberg County113206.496.5920.3913.760
Barnwell County143234.518.1613.789.2614.05
Beaufort County3886101.754.574.453.275.35
Berkeley County11161215155.698.15.937.086.88
Calhoun County145466.6726.9533.8827.1240.81
Charleston County12182319263.234.745.914.796.48
Cherokee County497377.1415.9712.395.2912.26
Chester County6397318.349.2527.7921.699.29
Chesterfield County315366.52.1710.836.513.06
Clarendon County467101211.6617.5420.5929.2135.24
Colleton County5767713.2718.6416.0118.6218.61
Darlington County1191013816.213.2914.819.311.89
Dillon County2104676.3731.9512.8319.4722.83
Dorchester County5891183.425.365.877.175.11
Edgefield County0102403.7507.5214.99
Fairfield County6135525.864.3413.1122.0922.12
Florence County1162112137.964.3215.148.679.38
Georgetown County545268.296.598.163.269.74
Greenville County24151422145.073.112.854.412.76
Greenwood County545547.165.747.157.135.69
Hampton County3120114.714.899.9805.1
Horry County20162115266.925.376.794.677.8
Jasper County34713611.3514.9525.3646.3121.08
Kershaw County9497714.386.3314.1510.8910.76
Lancaster County283452.489.593.484.455.4
Laurens County5121516177.5518.0522.5824.0325.43
Lee County103335.44016.8417.0417.29
Lexington County18101314166.593.64.624.895.51
Marion County327459.356.2622.0512.615.98
Marlboro County176363.5624.9821.7611.122.37
Mccormick County01131010.1910.3531.3510.48
Newberry County3271685.318.52.6315.59
Oconee County3452845.326.62.6210.35
Orangeburg County12613151613.246.6714.5916.9818.29
Pickens County8845126.726.653.34.079.72
Richland County26181429236.554.493.457.095.59
Saluda County0201209.9504.939.78
Spartanburg County10163515213.445.4611.794.986.84
Sumter County9105998.359.284.668.398.42
Union County155743.5717.9118.0325.2814.53
Williamsburg County104310630.2212.229.2431.419.27
York County13861695.453.272.396.23.38

Fatalities in Crashes Involving an Alcohol-Impaired Driver

Alcohol-impaired drivers are another major cause of fatalities in crashes.

2014201520162017Fatalities per 100k Population
Abbeville County3221012.
Aiken County149101388.555.486.047.794.76
Allendale County2100120.3510.310011.11
Anderson County1319814206.839.94.137.1410.06
Bamberg County122106.4913.1813.66.880
Barnwell County0143404.5418.3713.8918.74
Beaufort County71031084.095.711.675.454.28
Berkeley County13141012116.727.084.945.665.05
Calhoun County2422213.3426.9513.5513.5613.6
Charleston County19241521185.116.323.855.34.48
Cherokee County364175.3510.657.081.7612.26
Chester County6338718.349.259.2624.7821.67
Chesterfield County429348.674.3319.496.58.71
Clarendon County5366514.588.7717.6517.5214.68
Colleton County3710867.9618.6426.6921.2815.95
Darlington County103109414.734.4314.813.365.95
Dillon County262526.3719.176.4116.226.52
Dorchester County8511875.483.357.175.214.47
Edgefield County0201007.503.760
Fairfield County5705321.5530.4022.0913.27
Florence County9111011156.517.937.217.9510.83
Georgetown County544038.296.596.5204.87
Greenville County35222426217.394.574.895.214.14
Greenwood County246352.865.748.584.287.11
Hampton County222009.819.799.9800
Horry County23272319187.969.067.445.915.4
Jasper County3236311.357.4710.8721.3710.54
Kershaw County12558619.187.927.8612.459.23
Lancaster County254542.4864.645.564.32
Laurens County6658119.069.027.5312.0216.46
Lee County3163316.325.4533.6917.0417.29
Lexington County21162220217.685.777.816.987.23
Marion County334319.359.3912.69.453.2
Marlboro County141113.5614.273.633.73.73
Mccormick County04020040.76020.90
Newberry County3213385.32.647.897.79
Oconee County144471.335.325.285.249.06
Orangeburg County18109111119.8611.1110.112.4512.57
Pickens County587384.26.655.772.446.48
Richland County28181624167.054.493.945.873.89
Saluda County130114.9814.9304.934.89
Spartanburg County11192417143.786.488.095.654.56
Sumter County101241069.2811.143.739.325.62
Union County0141203.5814.423.617.26
Williamsburg County73211421.169.166.1634.5412.85
York County118711134.613.272.794.264.88

Teen Drinking and Driving

Teenage driving fatalities aren’t uncommon because inexperienced drivers tend to have accidents more often. But what is even more depressing is the number of teenage fatalities caused by drinking and driving.

Number of Under 18 DWI Arrests:Total Per One Million People (DUI Under 18 Arrests):Rank:

EMS Response Time

EMS response time can sometimes mean the difference between life and death.

 Time of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural8.04 min11.85 min29.38 min45.92 min559
Urban6.78 min8.26 min24.42 min38.81 min382

It makes sense that there is a faster response time in urban areas compared to rural areas.

Transportation in South Carolina

Have you ever wondered how many cars your neighbors own?

The average number of cars owned in South Carolina per household is two.

Car Ownership

South Carolina’s car ownership average is illustrated in gray and the U.S. average is illustrated in orange.

Car Ownership in South Carolina


Commute Time

South Carolina Commute Time


Commuter Transportation

Commuter Transportation in South Carolina

Worst Cities in South Carolina for Traffic Congestion

Charleston, South Carolina is one of the worst cities in the United States for traffic congestion.

Congestion LevelPercentage
Morning Peak35%
Evening Peak59%
Average Extra Travel Time25%

According to TomTom, you should give yourself an extra 29 minutes a day if you’re traveling to or from Charleston. At 29 minutes a day, that’s over 100 hours a year!

In this post, we’ve covered types of car insurance, car insurance rates, and South Carolina driving laws.

Now that you have all the information you need to purchase car insurance, start comparing rates for yourself and your family and find the best plan out there to fit your specific needs.

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in South Carolina
Monthly South Carolina Car Insurance Rates by ZIP Code
South Carolina Car Insurers by Market Share %
South Carolina Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in South Carolina
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in South Carolina
Monthly South Carolina Car Insurance Rates by ZIP Code
South Carolina Car Insurers by Market Share %
South Carolina Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in South Carolina