Best South Carolina Car Insurance

Major car insurance companies in SC include Geico, Allstate, and 21st Century. The average rates for full coverage in the state are $75.88/mo. Compare quotes below for free.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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It’s all about you. We want to help you make the right coverage choices.

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • South Carolina is a no-fault state
  • South Carolina requires drivers to have bodily injury, property damage liability, and uninsured motorist bodily injury
  • Liability has three levels including personal injury, auto repairs, and medical expenses

Who are the best South Carolina car insurance companies? Well, that depends on who you ask. South Carolina has auto insurance premiums lower than most nationwide.

You must consider the state mandated requirements. If you are in an accident and are found to be responsible for the fracture of the person or property, you will pay. Uninsured motorist policies won’t help at all.

When defining a car insurance company as being the best, do you go by the highest reported customer satisfaction rate, low price, fast response time?

Does the option of having a choice of the rental factor in? How about speaking to a live operator? There are several ways up can find information to help you choose the right fit for you.

Comparison guide listings rate the insurance companies. Non standard and standard will each have a quote to make your policy more unique.

All active auto insurance companies meet the South Carolina insurance requirements. Brochures offers will be found there.along with the other specials.

Compare state car insurance with our free comparison tool above!

South Carolina Car Insurance Requirements

Here are some of South Carolina’s car insurance requirements:

  • Bodily Injury Liability  $25,000/ $50,000 limit
  • Property damage liability – $25,000 limit
  • Uninsured Bodily injury – $25,000/ $50,000 limit
  • Uninsured Motorist Property – $25,000 limit

Liability car coverage has three levels.

  • $15,000 coverage for injuries to a single driver
  • $30,000 coverage for medical expenses of any and all vehicles, injured passengers
  • $10,000 coverage for auto repairs to both public and private property caused by the accident, including any damages inflicted on the victim’s vehicle

In the next few paragraphs, you will find the comparison of three of the top rated auto insurance companies in South Carolina.

The make and model of the car in this auto insurance comparison is a 1999 Chevrolet Lumina L.S. 4 door sedan with dual airbags and anti-lock brakes, with an anti-theft device on it.

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Geico Insurance Company

Below are some of the specific Geico car insurance:

  • Bodily Injury Liability – $25,000/$50,000, $81.80 for six months
  • Property Damage Liability – $25,000
  • Uninsured Motorist Bodily Injury – $25,000/50,000, $18.10 for six months
  • Uninsured Motorist Property Damage – $25,000 with $200 deductible, $4.30 for six months

Geico also offers more coverage. You could add medical payments, collision, rental reimbursement, comprehensive, and emergency roadside service to save you more money.

Allstate Insurance Company

Allstate offers auto insurance discount opportunities with automatic savings.

However, the AllState auto insurance savings listed in this article will vary based upon the driver.

The “Easy Pay Discount” paying your bill online could save you $33 over the six month period of time stated above.

Taking a defensive driving course could save you money on your payments. The driving course is an adult driver training class.

It’s approved by the state and you are entitled to this discount if you passed the required course. Bringing proof of this class will aid you in getting the rate that you want.The guidelines are very simple.

21st Century Insurance

21st Century insurance company is the last of this article. 21st Century Insurance offers their own discounts, as well as side by side quotes.

They give you 24-hour roadside assistance standard. 21st Century has a very fast response time to handle your immediate needs. Look at the chart below to see their prices based on a six month period.

Here is a side by side quote of driver coverage:

  • Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $205.30 cost $229.93
  • Property Damage $25,000 vs $25,000
    • Cost: $168.77 cost $168.77
  • Medical Payments $1,000 vs $1,000
    • Cost: $39.03 cost $39.03
  • Uninsured Motorist Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $49.00 cost $60.57
  • Uninsured Motorist Prop. Damage $25,000 vs $25,000
    • Cost: $13.55 cost $13.55
  • Uninsured Motorist Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $100.59 cost $140.84
  • Uninsured Motorist $25,000 vs $25,000

You have a lot to think about when saying who’s the best car insurance in South Carolina. Many vehicles of information are available to help make it easier to compare car insurance rates around South Carolina.

Some of the rates you will see will be the same. Most are slightly different. Some auto insurance companies offer discounts that others do not.

Then, you have the auto insurance companies that have better people skills. Customer service is very important. The company above 21st Century Insurance had the fastest.

All state Insurance company, Geico insurance company, Esurance insurance company, and Progressive insurance company were the most talked about on many of the sites from above.

When deciding who’s the best auto insurance company, the perception is up to you.

First, Look at every avenue then form your own opinion. Second, enter your zip below and let us do a free car insurance comparison for you!



Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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