Auto Insurance in South Carolina — Average Cost 2026
Average auto insurance in South Carolina: $1,840/year ($153/month). South Carolina ranks #34 out of 51 states — above the national average.
Average annual
$1,840
Average monthly
$153
National rank
#34
of 51 states
vs national avg
+3.4%
South Carolina vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in South Carolina
South Carolina sits 3% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in South Carolina tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save South Carolina drivers hundreds of dollars annually.