Good news for South Carolina drivers: Jerry’s latest data shows that liability coverage in the Palmetto State averages about $394 per month. In the last year, we’ve helped 17,094 South Carolinians secure more affordable coverage, and drivers who switch with Jerry save an average of $256 per year without giving up the protection they actually need.
Jerry compares quotes from up to 10 trusted insurers in South Carolina to build your policy and help you find your best rate in minutes.
Save on South Carolina insurance with Jerry.
What South Carolina drivers are paying right now
Insurance costs in South Carolina shift quickly. Storm seasons, rising repair costs and regional crash trends all play a role. Two drivers with similar records can see completely different prices depending on whether they live along the coast, near growing metro areas or in quieter rural counties.
Jerry tracks live quotes across South Carolina to show you a clear snapshot of what drivers are paying today.
Here are some recent Jerry customers who purchased full coverage policies in South Carolina, and what they paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In South Carolina, everything from storm activity to small updates in your driving profile can influence your renewal price.
4 key ways Jerry helps South Carolina drivers save on car insurance
If you’re trying to bring your insurance costs down, you’re not alone… but the cheapest quote on the screen isn’t always the smartest choice. The most effective way to save is understanding what drives your rate and adjusting what you can control.
Jerry makes that simple by comparing real offers, surfacing discounts you may not know you’re eligible for and showing you exactly where you can save without cutting coverage you rely on.
Here are our top tips to help you spend less and worry less.
| How to save | Average South Carolina driver savings |
|---|---|
| Compare quotes | 49% to 83% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid lapses in coverage | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
South Carolina’s risk factors vary by region: hurricanes on the coast, higher traffic density in growing metro areas and more wildlife-related crashes in rural counties. Insurers weigh these exposures differently, which is why the same driver can see quotes that range widely.
Comparing rates side by side with Jerry is the fastest way to avoid overpaying.
Of South Carolina drivers who saved last year with Jerry, here’s where most switched and how much they saved.
| Insurance carrier | South Carolina drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 56% | 41% |
| Assurance America | 15% | 21% |
| Root | 11% | 19% |
| Gainsco | 7% | 21% |
| National General | 7% | 33% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location is a major price driver in South Carolina. Jerry shows you those differences instantly so you can choose coverage that fits your budget and how you actually drive.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most drivers qualify for at least a few discounts, but many never get applied unless you ask. Bundling home and auto, safe-driver incentives, good-student discounts, paperless billing and anti-theft savings are all common in South Carolina.
Jerry finds the discounts you qualify for so you don’t miss savings you’ve already earned.
Key takeaway: Discounts often mean bigger savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
A higher deductible can reduce your monthly premium, but only if you can comfortably pay it after a claim. With South Carolina’s mix of storms, flooding, debris damage and rural crash severity, choosing a deductible you can realistically afford matters.
Here’s what Jerry drivers choose for their deductibles:
To choose the right deductible for your budget:
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Check your vehicle’s current value (Jerry updates this monthly).
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Choose an amount you could cover out of pocket.
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See how different deductible levels change your rate in real time.
The Jerry difference: Jerry shows instant pricing across multiple deductibles so you can choose the balance of cost and protection that fits you best.
Jerry Agent Tip 4: Buy coverage you can afford to keep
A lapse in coverage can push your rate up fast. Jerry data shows that South Carolina drivers see premiums jump about 16% after even a short break in insurance. Insurers treat lapses as a sign of higher risk, regardless of the reason.
Your best long-term savings strategy is choosing coverage you can maintain month after month. Jerry shows you real-time pricing for multiple coverage levels so you can find a policy that protects you and stays comfortably within your budget. Once you’re covered, Jerry continues monitoring the market and automatically re-shops your policy to help you stay ahead of price hikes.
Get personalized car insurance rates now.
Shop for better coverage without overpaying
The right mix of coverage protects you from South Carolina’s unique risks, whether that’s severe storms, high repair costs, uninsured drivers and rural crash severity. These are the common coverage tiers and what they offer.
Minimum
$108 – $210/mo
Meets South Carolina’s 25/50/25 liability requirements and uninsured motorist minimums, but does not cover your own vehicle.
Full
$178 – $346/mo
Adds collision and comprehensive coverage, often required for leased or financed vehicles.
Standard
$206 – $402/mo
Includes higher liability limits, UM/UIM and medical payments coverage for better protection.
Preferred
$250 – $471/mo
Total peace of mind with higher limits, lower deductibles and extras like rental reimbursement or towing.
Key takeaway: Start with your comfort around risk and what your car is worth. Jerry shows real-time prices so you can choose with confidence.
The cheapest policy in South Carolina is one with state minimum liability and UIM. However, some add-ons can be worth adding. Here’s a quick look at what each coverage provides.
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Coverage definitions
South Carolina insurance factors at a glance
South Carolina insurance premiums are shaped by the realities of driving here, and how that influences crash rates, vehicle damage and claims frequencies.
Severe weather
Hurricanes, hail and flooding cause losses, making comprehensive coverage a strong consideration.
Wildlife collisions
Rural counties see higher rates of deer and animal strikes. (Car vs animal collisions fall under comprehensive coverage, by the way.)
Urban crash frequency
Metro growth increases collision claims, so a full coverage policy with collision offers broad protection. uninsured
Uninsured drivers
More than 10% of South Carolina drivers are uninsured, so this coverage is essential to protect yourself.
South Carolina Insurance After a Ticket, Accident or SR-22
Mistakes happen, but they don’t have to dictate your rate forever. Jerry works with insurers that take a balanced view of your record and automatically re-shops your policy as it improves.
If you got a ticket
South Carolina tracks points for speeding and other violations, and too many can lead to license impacts. Even one ticket can raise your premium for several years. A defensive-driving course may help reduce the impact.
Jerry also shops for lower rates as soon as the violation clears.
The average rate increases we’ve seen for South Carolina drivers after a ticket are:
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Speeding under 15: 8%
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Speeding over 15: 18%
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Failure to obey traffic sign: 7%
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Reckless driving: -20%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
South Carolina is an at-fault state, and an at-fault crash typically raises premiums for several years. In fact, Jerry drivers in this state see an average increase of 18%.
Jerry helps you lock in the lowest available price right away and automatically re-shops once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI creates one of the steepest premium increases you’ll face, often lasting three to five years. But even with an average jump of 5%, some insurers still offer fairer pricing than others.
Jerry identifies those carriers and re-shops your policy as your record recovers.
Here are the five most competitive carriers for South Carolina drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $306 | Yes | |
| $398 | Yes | |
| $411 | Yes | |
| $419 | Yes | |
| $428 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in South Carolina
South Carolina may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and we’ll only show insurers that file them. Many companies charge about $25 per year for the filing.
Car Insurance with Bad Credit
South Carolina allows insurers to consider your credit-based insurance score when setting rates. While it can affect what you pay, continuous coverage, safe driving and annual quote checks often have a bigger impact overall.
annual quote checks often have a bigger impact overall.Jerry makes it easy to find your best price, no matter your credit situation.
Average rates in South Carolina by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
South Carolina’s blend of coastal storm exposure, rural backroads and fast-growing metro areas means the cheapest policy isn’t a one-size-fits-all answer. The right policy is the one that truly fits how and where you drive.
Jerry helps you build coverage tailored to life in South Carolina, and keeps monitoring the market so you stay protected for less.
Get South Carolina coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
