Who has the cheapest liability-only car insurance in South Carolina? In 149 real liability-only quotes our agents ran for South Carolina drivers in 2026, Dairyland had the lowest median at $96/month (8 quotes), then GEICO ($125), Progressive ($130, 50 quotes), National General ($147, 73 quotes), and AssuranceAmerica ($149). South Carolina minimum is 25/50/25 plus mandatory uninsured motorist. Full table below.
Cheapest Liability-Only Car Insurance in South Carolina: 149 Real Quotes Compared
Dairyland · GEICO · Progressive · National General · AssuranceAmerica · GAINSCO
Liability-only is the legal minimum in South Carolina: 25/50/25 plus uninsured motorist coverage, which cannot be waived. It is the right choice for an older paid-off car and a tight budget. These are the medians from our 2026 South Carolina liability-only quotes, next to how the same carriers price full coverage and higher-risk drivers.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Cheapest liability-only in South Carolina, by situation
Clean record, state minimum
Progressive ($130/mo median, 50 quotes) with the most volume, and GEICO ($125/mo) on a small clean-record sample. National General ($147/mo) is close and accepts more drivers.
Violations, SR22, or no prior insurance
Dairyland ($96/mo, 8 quotes) had the lowest liability median of all and is our SR22 specialist in SC, with a $86/mo SR22 median. GAINSCO is the other filing specialist.
Higher limits than minimum
If you want 100/300/100 with matching uninsured and underinsured motorist, Progressive and National General price the step up most reasonably.
South Carolina median monthly premium by carrier, liability-only row in context
Median monthly premium by driver segment, from 340 real quotes our agents ran for South Carolina drivers from January through May 2026. Lowest median in each row is highlighted. Segments with fewer than 5 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | Dairyland | GEICO | Progressive | National General | AssuranceAmerica | GAINSCO |
|---|---|---|---|---|---|---|
| All quotes | $105/mo 13 quotes · avg $205 | $150/mo 10 quotes · avg $149 | $146/mo 91 quotes · avg $161 | $178/mo 162 quotes · avg $208 | $246/mo 22 quotes · avg $252 | $298/mo 14 quotes · avg $298 |
| Liability only | $96/mo 8 quotes · avg $149 | $125/mo 5 quotes · avg $130 | $130/mo 50 quotes · avg $133 | $147/mo 73 quotes · avg $193 | $149/mo 6 quotes · avg $155 | too few (2 quotes) |
| Full coverage | too few (2 quotes) | too few (4 quotes) | $188/mo 38 quotes · avg $196 | $200/mo 89 quotes · avg $221 | $303/mo 14 quotes · avg $306 | $456/mo 7 quotes · avg $394 |
| Clean record (no accidents, tickets, or DUI) | $96/mo 8 quotes · avg $219 | $151/mo 7 quotes · avg $155 | $143/mo 64 quotes · avg $148 | $168/mo 127 quotes · avg $197 | $246/mo 16 quotes · avg $259 | $332/mo 8 quotes · avg $298 |
| Accidents, tickets, or DUI on record | $113/mo 5 quotes · avg $183 | too few (3 quotes) | $170/mo 27 quotes · avg $191 | $217/mo 35 quotes · avg $249 | $256/mo 6 quotes · avg $233 | $233/mo 6 quotes · avg $297 |
| SR22 filing required | $86/mo 6 quotes · avg $95 | too few (0 quotes) | too few (3 quotes) | too few (0 quotes) | too few (0 quotes) | $67/mo 5 quotes · avg $67 |
| No prior insurance | $86/mo 10 quotes · avg $154 | too few (4 quotes) | $165/mo 29 quotes · avg $189 | $174/mo 88 quotes · avg $214 | $246/mo 13 quotes · avg $243 | $208/mo 13 quotes · avg $279 |
| Currently insured | too few (3 quotes) | $157/mo 6 quotes · avg $144 | $141/mo 62 quotes · avg $148 | $179/mo 74 quotes · avg $202 | $245/mo 9 quotes · avg $265 | too few (1 quotes) |
| Drivers under 25 | too few (1 quotes) | too few (1 quotes) | $162/mo 12 quotes · avg $208 | $272/mo 8 quotes · avg $338 | too few (1 quotes) | too few (1 quotes) |
| Drivers 25 to 39 | too few (4 quotes) | too few (4 quotes) | $158/mo 22 quotes · avg $186 | $170/mo 63 quotes · avg $168 | $268/mo 13 quotes · avg $296 | $138/mo 8 quotes · avg $256 |
| Drivers 40 to 59 | too few (3 quotes) | too few (2 quotes) | $126/mo 29 quotes · avg $128 | $208/mo 75 quotes · avg $215 | $144/mo 5 quotes · avg $193 | too few (4 quotes) |
| Drivers 60 and over | too few (1 quotes) | too few (1 quotes) | $106/mo 16 quotes · avg $117 | $141/mo 11 quotes · avg $219 | too few (2 quotes) | too few (0 quotes) |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- Dairyland had the lowest median for: all quotes, liability only, clean record (no accidents, tickets, or dui), accidents, tickets, or dui on record, no prior insurance.
- GEICO did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Progressive had the lowest median for: full coverage, currently insured, drivers under 25, drivers 40 to 59, drivers 60 and over.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- AssuranceAmerica did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- GAINSCO had the lowest median for: sr22 filing required, drivers 25 to 39.
Dairyland wins the liability row because it is quoted almost entirely for minimum-limits, SR22, and non-owner policies, and it prices those well; it is not the carrier to move to when you finance a car. Progressive and National General are the two with real volume for ordinary clean-record liability buyers, and Progressive was cheaper in every age band. Remember that every South Carolina liability quote already includes uninsured motorist coverage, so the state-minimum policy costs more here than the same limits in Georgia or North Carolina.
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What else separates them
Dairyland
Lowest liability-only median in our SC data. SR22 and non-owner specialist with monthly pay plans.
GEICO
Competitive for clean records; small SC sample through agents.
Progressive
Most liability quotes and cheapest in every age band among the volume carriers; upgrades cleanly to full coverage later.
National General
Close behind Progressive and accepts more drivers with lapses; our most-quoted SC carrier overall.
AssuranceAmerica
Non-standard carrier for drivers rebuilding a record.
GAINSCO
Minimum-limits and SR22 specialist; very low SR22 medians on a small sample.
South Carolina Liability-Only Questions
South Carolina Liability-Only Questions
6 QuestionsWhat is the cheapest liability-only car insurance in South Carolina?
In our 2026 quotes, Dairyland at $96/month median for high-risk and SR22 profiles, and Progressive at $130/month for ordinary clean-record drivers, followed by National General at $147/month.
What are South Carolina’s minimum liability limits?
25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, plus mandatory uninsured motorist coverage at the same limits. Underinsured motorist is optional.
Is liability-only enough in South Carolina?
It satisfies the law and includes uninsured motorist protection, but it pays nothing for damage to your own car. For a paid-off car worth a few thousand dollars it is often right; for anything financed, leased, or newer, full coverage is the answer.
Can I get liability-only with an SR22 in South Carolina?
Yes. Dairyland, GAINSCO, and Progressive all file SR22 on liability-only policies with SCDMV the same day. See our SC SR22 guide.
Are these rates what I will pay?
No. They are medians of real quotes for many different South Carolina drivers. Your ZIP code, vehicle, credit, coverage limits, deductible, and driving history will move your rate above or below these numbers. The table tells you which carriers to compare first.
How often do these numbers change?
We update the dataset monthly as new quotes come in, and carriers refile South Carolina rates several times a year. We re-shop at every renewal at no charge.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for South Carolina drivers between January and May 2026 (340 quotes across six carriers), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 5 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
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Related Guides
- South Carolina Liability Insurance
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- Non-Owners Insurance SC
- Progressive vs National General in South Carolina
- South Carolina Car Insurance Guide
Last Updated on by Shawn Christie