Jerry’s editorial analyses found that Geico offers the best car insurance in South Carolina. Here’s a rundown of why it’s the top pick, plus other well-rated insurers available in the state.
If you need cheap car insurance in South Carolina, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in South Carolina overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico receives 5 stars from Jerry due to its superior financial strength rating and few customer complaints.
South Carolina drivers can get discounts for things like paying their premium in full, bundling policies and being an active or retired military member. They may also save by opting into Geico’s telematics program, DriveEasy, and practicing safe driving behavior. Drivers who complete a qualifying defensive driving course may also get a discount.
Geico’s highly rated mobile app lets drivers access ID cards, manage their policy, request roadside assistance, request a quote and estimate vehicle repairs costs.
More of the best South Carolina insurers
The following companies round off our list of the top auto insurers in South Carolina.
Honorable mention: State Farm
State Farm was ranked above average for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust. The company also has a superior financial strength rating from AM Best.
State Farm may offer South Carolina drivers a variety of optional coverages, including roadside assistance, rideshare insurance, rental car reimbursement and travel expenses coverage, which pays for meals, lodging and travel expenses if you’re in an accident more than 50 miles away from home.
The company boasts ample discounts for South Carolina drivers, including savings for going three years without an accident, bundling policies, insuring multiple cars and completing a defensive driving course. You can also get an immediate discount for signing up for State Farm’s telematics program, Drive Safe & Save, and could earn even more savings for being a safe driver.
Best full coverage car insurance in South Carolina
These are the best companies for full coverage in South Carolina.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $195 |
| Progressive | $271 |
| Safeco | $274 |
| National General | $379 |
| Assurance America | $380 |
Best car insurance for teen drivers in South Carolina
These are the best car insurance rates for teen drivers in South Carolina, based on real policy quotes for Jerry customers ages 16 to 19.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | Progressive | $235 | March 30, 2025 |
| 19 | Progressive | $249 | October 16, 2024 |
| 19 | Progressive | $249 | January 10, 2025 |
| 19 | Progressive | $255 | March 16, 2025 |
| 18 | Progressive | $290 | April 15, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in South Carolina
Here are the best car insurance rates for young drivers in South Carolina.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $93 |
| Trexis | $146 |
| Safeco | $297 |
| Progressive | $318 |
| Root | $442 |
Learn more: Car insurance for college students
Best car insurance for seniors in South Carolina
Below are the best options for drivers over 65 in South Carolina, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $162 |
| Safeco | $200 |
| National General | $248 |
| The General | $267 |
| Dairyland | $293 |
Learn more: Car insurance for seniors
How to get the best car insurance in South Carolina
Follow these tips to find the best car insurance in South Carolina:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
