2026 outlook • south carolina auto • based on 2025 quote data
South Carolina Auto Insurance Rates in 2026: Outlook Based on 2025 Quote Data
As we enter 2026, South Carolina drivers may continue to feel pressure on auto insurance pricing. This guide is based on first party quote data collected by A Plus Insurance throughout 2025, representing premium returned personal auto insurance quotes from real South Carolina shoppers. If you want to learn more about our approach and educational resources, visit learnandserve.org.
Unlike national averages or insurer published estimates, this analysis reflects actual insurance quote outcomes, including pricing ranges, carrier availability, and coverage differences observed during the most recent full calendar year. If you want to run your own numbers quickly, you can get a quote online.
This is not a rate guarantee or a forecast model. It is a data driven outlook grounded in observed market behavior.
State
South Carolina
South Carolina auto, vehicle insurance quoting activity.
Time period
Jan to Dec 2025
Full calendar year dataset used for this 2026 outlook.
Premium returned quotes
3,734
Used for monthly averages, median, ranges, and comparisons.
Key findings from 2025 South Carolina quote data
- Typical pricing level: Across premium returned quotes, the quote volume weighted average was about $1,724 (6 month premium).
- High variance is normal: Monthly medians ranged around $1,174 to $1,602, and the lowest vs highest single quotes ranged from $144 to $17,286.
- Seasonality plus volume matter: Monthly quote activity varied during 2025, which helps explain why average numbers can move month to month even when your personal factors stay the same.
What this data represents
The data used in this guide comes exclusively from A Plus Insurance’s internal quoting activity for South Carolina auto insurance during 2025. Quotes include a wide range of Driver profiles, vehicles, coverage selections, and underwriting outcomes across multiple insurance companies.
This 2026 outlook is built for South Carolina auto insurance shoppers who want to understand how pricing behaves in the real market, based on first party quote outcomes, not marketing estimates or national averages. Use it to compare expectations, understand why insurance rates vary, and make better decisions on coverage, deductible, and which insurance companies to compare.
What 2025 quote trends suggest for 2026
Based on 2025 quote behavior, South Carolina remains a high variance market. Some shoppers find competitive rates, while others see sharp increases depending on coverage level, vehicle type, driving history, and carrier appetite.
For 2026, that suggests shopping multiple insurance companies remains critical, coverage selection can change Price more than many people expect, and rate movement is uneven. Not everyone experiences the same change in the same month.
Charts and comparisons from 2025 (used for the 2026 outlook, A Plus Insurance)
Monthly average vs median premium (2025, A Plus Insurance)
Premium returned quotes only. Median is often a better typical reference than average.
Monthly premium range (lowest vs highest quotes in 2025, A Plus Insurance)
Premium returned quotes only. Shows why comparing carriers matters.
Want a current insurance quote now? You can get a quote online, or call 888 445 2793. For more education and tools, visit learnandserve.org.
Practical guidance for shopping in 2026
If you’re trying to find the cheapest option that still fits your needs, a consistent process matters more than guessing which company will be cheapest. Here’s a simple workflow that works for most shoppers:
- Compare multiple insurance companies, do not rely on one carrier.
- Run two scenarios, full coverage and liability insurance, liability only.
- Change your deductible once and re quote so you can compare real premium impact.
- If you’re high risk, DUI, violations, accidents, ask about sr22 insurance filing, and review local guidance such as Columbia SR22 information.
- Keep proof of insurance and your Insurance Card handy, digital or print id cards if needed.
Monthly results used for this 2026 outlook (South Carolina auto, 2025, A Plus Insurance)
Monthly averages, median, and ranges calculated from premium returned South Carolina Auto (Personal) quote submissions in 2025.
| Month (2025) | Quotes | Avg Premium | Median | Low | High |
|---|---|---|---|---|---|
| Jan | 218 | $1,726 | $1,342 | $322 | $9,950 |
| Feb | 367 | $1,553 | $1,308 | $321 | $6,643 |
| Mar | 434 | $1,585 | $1,355 | $261 | $4,995 |
| Apr | 345 | $1,815 | $1,473 | $238 | $7,819 |
| May | 386 | $1,979 | $1,602 | $356 | $13,919 |
| Jun | 419 | $1,835 | $1,327 | $247 | $17,286 |
| Jul | 225 | $1,705 | $1,386 | $340 | $7,028 |
| Aug | 436 | $1,850 | $1,454 | $333 | $11,057 |
| Sep | 334 | $1,517 | $1,248 | $315 | $7,322 |
| Oct | 335 | $1,721 | $1,290 | $318 | $7,126 |
| Nov | 196 | $1,594 | $1,254 | $144 | $5,135 |
| Dec | 39 | $1,494 | $1,174 | $413 | $3,988 |
FAQ
Is this 2026 data or 2025 data?
This is a 2026 outlook based on full year 2025 South Carolina auto insurance quote data.
Does this represent actual policy prices?
No. These figures reflect quote estimates returned at the time of quoting. Actual policy premium and rates vary by Driver, vehicle, coverage selections, deductible, credit where allowed, violations, accidents, and underwriting rules.
Does this include high risk drivers and SR22 insurance?
Yes. The dataset can include a mix of standard and high risk quote submissions. If you need SR22 insurance, pricing and eligibility vary widely, so comparing multiple insurance companies matters a lot. For a local SR22 page, see Columbia car insurance SR22.
What should I do if my rates jumped this month?
Re quote and compare across multiple insurance companies, then test one deductible change and compare full coverage vs liability insurance.
How do I get a current quote fast?
You can get a quote online, and you can explore more resources at learnandserve.org.
Last Updated on by Brian Muse