Progressive or National General in South Carolina — which is cheaper? In 340 real South Carolina quotes our agents ran in 2026, Progressive’s median was $146/month and National General’s was $178/month. Progressive was cheaper in almost every segment; National General was quoted more often because it accepts more drivers with no prior insurance. Full table below, with AssuranceAmerica, GAINSCO, Dairyland, and GEICO.
Progressive vs National General in South Carolina: Real Quotes From 340 Drivers
Plus AssuranceAmerica · GAINSCO · Dairyland · GEICO
We are appointed with all six carriers and quote them from our Liberty, SC headquarters every day. These are the medians from the quotes we actually ran for South Carolina drivers this year, split by coverage, driving record, prior insurance, and age.
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.
Who is cheaper in South Carolina, and for whom
Clean record or currently insured
Progressive: $143/mo median for clean records (64 quotes) versus $168/mo for National General, and $141/mo versus $179/mo for drivers who already have insurance.
No prior insurance or a lapse
This is where National General earns its place. We ran 88 National General quotes for drivers with no prior insurance (median $174/mo) versus 29 for Progressive ($165/mo): National General says yes to more of these drivers, at a similar price.
SR22 or a rough record
Dairyland’s SR22 median was $86/mo and GAINSCO’s $67/mo, both under Progressive’s $227/mo on a small sample. For drivers with accidents or tickets, Progressive ($170/mo) still beat National General ($217/mo).
South Carolina median monthly premium by carrier and driver segment
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 wins the medians, but the quote counts tell the second half of the story: National General was quoted 162 times to Progressive’s 91 because it accepts more drivers with lapses, no prior insurance, or thin credit. If Progressive will write you, it is usually the cheaper policy; if it will not, National General is usually the best of the rest. Dairyland and GAINSCO are SR22 and non-owner specialists, and AssuranceAmerica and GEICO were quoted too rarely for firm conclusions.
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What else separates them
Progressive
Cheapest median in most South Carolina segments, Snapshot telematics, same-day ID cards. Tighter on drivers with lapses or no prior insurance.
National General
Owned by Allstate. Our most-quoted SC carrier because it accepts more no-prior-insurance and lapsed drivers at reasonable prices. Bundles with its home products.
AssuranceAmerica
Non-standard specialist for drivers rebuilding a record; flexible down payments. Higher medians in our data.
GAINSCO
Minimum-limits and SR22 specialist. Very low SR22 medians in our SC quotes, but expensive for full coverage.
Dairyland
SR22 and non-owner specialist with monthly pay plans. Cheapest SR22 and liability medians for high-risk profiles in our SC data.
GEICO
Competitive for clean records, but quoted only 10 times in SC this year, so treat its numbers as directional.
Progressive vs National General Questions
Progressive vs National General Questions
6 QuestionsIs Progressive or National General cheaper in South Carolina?
For most drivers who qualify for both, Progressive. Its overall median was $146/month versus $178/month, and it won liability, full coverage, clean-record, and every age segment in our 2026 quotes. National General was within a few dollars for drivers with no prior insurance, and it accepts more of them.
Why is National General your most-quoted carrier in SC if Progressive is cheaper?
Because a cheaper quote you cannot get is not cheaper. National General approves more South Carolina drivers with lapses, no prior insurance, or violations, so it shows up on more of our quotes. We run both on every quote and show you the difference.
Which carrier is best for SR22 insurance in South Carolina?
Dairyland ($86/mo median) and GAINSCO ($67/mo) were lowest for SR22 filings in our 2026 quotes, on small samples. We file SR22 electronically with SCDMV the same day. See our SC SR22 guide.
Does South Carolina require uninsured motorist coverage on these quotes?
Yes. Every quote in this comparison includes the South Carolina minimums of 25/50/25 liability plus mandatory uninsured motorist coverage. Full coverage quotes add comprehensive and collision.
Are these rates the same as what I will pay?
No. They are medians of real quotes for a wide range of 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 for that driver, vehicle, and coverage; it is not a policy sold. Medians are used instead of averages 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, not the same driver priced by each carrier. 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 Car Insurance Guide
- SC County-by-County Rate Data
- Progressive Insurance in South Carolina
- Dairyland Insurance Review
- GAINSCO Insurance Review
- SC SR22 Insurance
- Greenville SC Car Insurance
- Spartanburg SC Car Insurance
Last Updated on by Shawn Christie