Compare car insurance quotes in South Carolina
Jerry uses real data from 27,555 South Carolina drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average South Carolina car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in South Carolina, Jerry drivers pay:
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$113 to $220 per month for state-mandated minimum coverage, and
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$209 to $403 per month for full coverage.
A little comparison shopping goes a long way. Over the last year, Jerry has helped South Carolinians save an average of $1,386 on coverage by lining up options and choosing the best fit.
Jerry helps you compare rates and adjust your coverage for South Carolina car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your information or call your phone.
Your exact price will still depend on personal factors like your driving record, your vehicle and where in California you live. 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
One of the best ways to save on home insurance in South Carolina is by bundling your car and home insurance. On average, Jerry homeowners save between 15% and 25% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What South Carolina drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage, whether that means building a unique policy, matching your current coverage or just choosing the cheapest car insurance in South Carolina that you can find.
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:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability.
- $25,000 in uninsured motorist bodily injury per person.
- $50,000 in uninsured motorist bodily injury per accident.
- $25,000 in uninsured motorist property damage per accident.
While this is the minimum insurance you need to get behind the wheel in South Carolina, most 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 (UIM) protection is also recommended.
Factors affecting South Carolina car insurance rates in 2026
Severe weather and flooding
Hurricanes, heavy rain, and occasional hail can cause widespread vehicle damage, especially in coastal and low-lying areas. Comprehensive coverage is typically the protection for storm-related losses like fallen debris, water damage, and hail.
Deer and animal strike risk
In many rural counties, deer and other animal crossings are a regular hazard, particularly around dawn and dusk. Car vs animal collisions generally fall under comprehensive coverage, so it’s worth keeping if you drive outside city centers often.
Metro-area crash frequency
As areas like Charleston, Columbia, and Greenville grow, congestion and intersection density tend to rise with them, which can mean more collision claims. Collision coverage helps pay for repairs after an at-fault accident and can be especially valuable in higher-traffic corridors.
Uninsured drivers
More than 10% of South Carolina drivers are uninsured. UM/UIM coverage helps protect you if you’re hit by someone without enough coverage to pay for injuries or damage.
Coastal corrosion and storm aftermath driving
Salt air near the coast can accelerate wear on vehicles, and post-storm conditions can leave debris, downed branches, and poorly lit roads. Slowing down after major weather events can help avoid a claim, and comprehensive coverage can help if debris causes damage while your car is parked.
Repair costs and totaled-vehicle risk
Even moderate crashes can turn expensive with today’s parts and labor costs, especially when sensors and calibrations are involved. Keeping deductibles at a level you can manage helps ensure your coverage is actually usable when repair bills spike.
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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|---|---|
| $309 | |
| $322 | |
| $307 | |
| $281 | |
| $339 | |
| $273 | |
| $288 | |
| $263 |
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.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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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?
