Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in South Carolina
Jerry is a free app trusted by 38,529 South Carolina drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average South Carolina car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in South Carolina, Jerry drivers pay:
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$109 to $220 per month for state-mandated minimum coverage.
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$210 to $410 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped South Carolinians save an average of $1,272 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your South Carolina policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in South Carolina have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
South Carolina homeowners contend with hurricanes along the coast, severe thunderstorms inland, and high humidity that accelerates wear on properties. These risks push home insurance rates above the national average, making bundling home and auto insurance a smart way to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What South Carolina drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in South Carolina, shopping around gives you a clearer picture.
That matters in South Carolina, where rates vary between the Charleston and Columbia metros, the Upstate around Greenville and Spartanburg, and the coastal communities along the Grand Strand. Hurricane exposure and a high rate of uninsured drivers both factor into what you’ll pay. Jerry works with South Carolina drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 12 trusted insurers in the Palmetto State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for South Carolina drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in South Carolina
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
South Carolina car insurance coverage requirements
Drivers in South Carolina are legally required to carry a combination of liability insurance and uninsured motorist coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability.
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$25,000 in uninsured motorist bodily injury per person.
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$50,000 in uninsured motorist bodily injury per accident.
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$25,000 in uninsured motorist property damage per accident.
While this is the minimum insurance necessary in South Carolina before you get behind the wheel, many Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that over 10% of South Carolina drivers are uninsured, buying even more uninsured/underinsured motorist (UM/UIM) protection is also recommended.
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Coverage definitions
Factors affecting South Carolina car insurance rates in 2026
Hurricanes, flooding and hail
South Carolina gets hit by hurricanes, heavy rain and occasional hail that can cause widespread vehicle damage, especially in coastal and low-lying areas. We recommend keeping comprehensive coverage because it pays for storm-related losses like flooding, fallen debris and hail damage.
Deer collisions
In many rural counties, deer and other animal crossings are a regular hazard, particularly around dawn and dusk. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you drive outside city centers regularly.
Metro congestion and crash frequency
As Charleston, Columbia and Greenville keep growing, traffic density and intersection crashes rise with them. Consider carrying collision coverage so your repairs don’t depend on a fault decision, and let your safer driving habits translate into a lower rate with a telematics program.
Uninsured drivers
More than one in 10 South Carolina drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Coastal conditions and storm aftermath
Salt air near the coast accelerates wear on vehicles and post-storm conditions can leave debris, downed branches and poorly lit roads. Slow down after major weather events and keep comprehensive coverage active, because parked-car damage from debris is more common than most drivers expect.
Rising repair costs
Even moderate crashes get expensive fast with today’s parts, labor rates and the sensor recalibration newer vehicles require. Choose a deductible you can comfortably pay, so a surprise estimate doesn’t keep you from filing a claim you’re entitled to.
Average cost of car insurance in major South Carolina cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $312 | |
| $321 | |
| $309 | |
| $285 | |
| $339 | |
| $277 | |
| $264 | |
| $288 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get South Carolina quotes in as little as 2 minutes.
Learn more about driving in South Carolina
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How to get a temporary license plate in South Carolina.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is South Carolina an at-fault state?
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How does South Carolina verify car insurance coverage?
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What happens if I drive without insurance in South Carolina?
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Is uninsured motorist coverage required in South Carolina?
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Can I show proof of insurance on my phone in South Carolina?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.