Who has the cheapest full coverage car insurance in South Carolina? In 159 real full coverage quotes our agents ran for South Carolina drivers in 2026, Progressive had the lowest median at $188/month (38 quotes), then National General ($200, 89 quotes), AssuranceAmerica ($303), and GAINSCO ($456). Full table below by driving record, prior insurance, and age.
Cheapest Full Coverage Car Insurance in South Carolina: 159 Real Quotes Compared
Progressive · National General · AssuranceAmerica · GAINSCO · Dairyland · GEICO
Full coverage means liability plus comprehensive and collision, which is what a lender requires on a financed or leased vehicle. South Carolina adds mandatory uninsured motorist coverage on top. These are the medians from our 2026 South Carolina full coverage quotes, run from our Liberty, SC headquarters, next to how the same carriers price everyone else.
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 full coverage in South Carolina, by situation
Clean record, currently insured
Progressive: $188/mo median (38 full coverage quotes), and $141/mo overall for drivers who already had insurance. GEICO was competitive on a very small sample.
Full coverage after a lapse
National General ($200/mo, 89 quotes) writes far more full coverage after a lapse than anyone else we quote in SC (88 no-prior-insurance quotes). It is usually the answer when Progressive declines.
Older paid-off vehicle
Consider liability-only: Progressive’s SC liability median was $130/mo versus $188/mo for full coverage. See our cheapest liability-only comparison.
South Carolina median monthly premium by carrier, full coverage 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 | Progressive | National General | AssuranceAmerica | GAINSCO | Dairyland | GEICO |
|---|---|---|---|---|---|---|
| All quotes | $146/mo 91 quotes · avg $161 | $178/mo 162 quotes · avg $208 | $246/mo 22 quotes · avg $252 | $298/mo 14 quotes · avg $298 | $105/mo 13 quotes · avg $205 | $150/mo 10 quotes · avg $149 |
| Liability only | $130/mo 50 quotes · avg $133 | $147/mo 73 quotes · avg $193 | $149/mo 6 quotes · avg $155 | too few (2 quotes) | $96/mo 8 quotes · avg $149 | $125/mo 5 quotes · avg $130 |
| Full coverage | $188/mo 38 quotes · avg $196 | $200/mo 89 quotes · avg $221 | $303/mo 14 quotes · avg $306 | $456/mo 7 quotes · avg $394 | too few (2 quotes) | too few (4 quotes) |
| Clean record (no accidents, tickets, or DUI) | $143/mo 64 quotes · avg $148 | $168/mo 127 quotes · avg $197 | $246/mo 16 quotes · avg $259 | $332/mo 8 quotes · avg $298 | $96/mo 8 quotes · avg $219 | $151/mo 7 quotes · avg $155 |
| Accidents, tickets, or DUI on record | $170/mo 27 quotes · avg $191 | $217/mo 35 quotes · avg $249 | $256/mo 6 quotes · avg $233 | $233/mo 6 quotes · avg $297 | $113/mo 5 quotes · avg $183 | too few (3 quotes) |
| SR22 filing required | too few (3 quotes) | too few (0 quotes) | too few (0 quotes) | $67/mo 5 quotes · avg $67 | $86/mo 6 quotes · avg $95 | too few (0 quotes) |
| No prior insurance | $165/mo 29 quotes · avg $189 | $174/mo 88 quotes · avg $214 | $246/mo 13 quotes · avg $243 | $208/mo 13 quotes · avg $279 | $86/mo 10 quotes · avg $154 | too few (4 quotes) |
| Currently insured | $141/mo 62 quotes · avg $148 | $179/mo 74 quotes · avg $202 | $245/mo 9 quotes · avg $265 | too few (1 quotes) | too few (3 quotes) | $157/mo 6 quotes · avg $144 |
| Drivers under 25 | $162/mo 12 quotes · avg $208 | $272/mo 8 quotes · avg $338 | too few (1 quotes) | too few (1 quotes) | too few (1 quotes) | too few (1 quotes) |
| Drivers 25 to 39 | $158/mo 22 quotes · avg $186 | $170/mo 63 quotes · avg $168 | $268/mo 13 quotes · avg $296 | $138/mo 8 quotes · avg $256 | too few (4 quotes) | too few (4 quotes) |
| Drivers 40 to 59 | $126/mo 29 quotes · avg $128 | $208/mo 75 quotes · avg $215 | $144/mo 5 quotes · avg $193 | too few (4 quotes) | too few (3 quotes) | too few (2 quotes) |
| Drivers 60 and over | $106/mo 16 quotes · avg $117 | $141/mo 11 quotes · avg $219 | too few (2 quotes) | too few (0 quotes) | too few (1 quotes) | too few (1 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
- 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 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 and National General are the only two carriers with real full coverage volume in South Carolina; AssuranceAmerica and GAINSCO are non-standard carriers whose full coverage quotes skew toward drivers with violations, which is why their medians are high. Dairyland and GEICO full coverage cells are too small to lean on. A $1,000 comprehensive and collision deductible typically cuts the full coverage premium 10 to 20 percent with any of them.
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What else separates them
Progressive
Lowest full coverage median in our SC data. Snapshot telematics, gap coverage, same-day ID cards for the lender.
National General
Most SC full coverage quotes and the most willing to write it after a lapse. Bundles with home.
AssuranceAmerica
Non-standard; full coverage for drivers rebuilding a record, priced accordingly.
GAINSCO
Minimum-limits and SR22 specialist; full coverage is expensive here.
Dairyland
SR22 and non-owner specialist; full coverage rarely written.
GEICO
Competitive for clean records; very small SC sample through agents.
South Carolina Full Coverage Questions
South Carolina Full Coverage Questions
6 QuestionsWhat is the cheapest full coverage car insurance in South Carolina?
In our 2026 quotes, Progressive at $188/month median, followed by National General at $200/month. Your own rate depends on the vehicle, deductible, ZIP code, and record.
What does full coverage include in South Carolina?
Liability (SC minimum 25/50/25), mandatory uninsured motorist coverage, collision (damage to your car in a crash), and comprehensive (theft, hail, glass, animals, weather). Underinsured motorist, rental reimbursement, roadside, gap, and MedPay are add-ons we price separately.
Does South Carolina require uninsured motorist coverage on full coverage policies?
Yes, on every policy. It cannot be waived. Underinsured motorist is optional and we recommend matching it to your liability limits.
Should I carry full coverage on a paid-off car?
If the car is worth less than about ten times the annual cost of comprehensive and collision, liability-only often makes sense. We show you both numbers. Read our full coverage 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
- Full Coverage Car Insurance Guide
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- South Carolina Car Insurance Guide
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Last Updated on by Shawn Christie