2026 South Carolina Auto Insurance
Rates & Coverages
This page summarizes real policy outcomes so South Carolina drivers can compare insurance rates by county, see coverage mix (liability insurance vs full coverage vs non owners), and understand how pricing can vary month to month.
South Carolina Summary
This South Carolina report is built from owned data in our agency records, based on sold policies and real monthly premium outcomes (not public filings and not broad averages). It’s meant to help you compare insurance rates, understand coverage choices (liability only vs full coverage), and see how prices can differ by county and month.
In this dataset, the average monthly premium is $204.57 per month with an observed low of $2.50 and a high of $1,381.12. That spread shows why rate shopping and comparing insurance companies matters — especially if you have violations, accidents, a DUI, need SR-22 insurance, or are trying to estimate the impact of deductible choices on full coverage auto insurance. South Carolina is our largest single-state dataset with 282 policies across 25 counties.
County results should be read as guidance. With smaller county policy counts, one high-risk policy can shift an average more than it would in a larger dataset. The best next step is still a fresh insurance quote for your exact driver, vehicle, and coverage goal.
This report highlights how premiums change across counties based on risk factors such as population density, accident frequency, weather exposure, and claim severity. While minimum coverage meets legal requirements, many drivers choose higher limits to better protect assets and reduce financial exposure. For a more complete explanation of how coverage choices impact pricing, see our South Carolina car insurance guide.
Carrier Distribution
Carrier distribution reflects what shows up in this specific dataset. Your insurance quote results can include other insurance companies depending on driver profile, vehicle, credit, and underwriting.
| Insurance Company | Policies | Share |
|---|---|---|
| Progressive | 164 | 58.2% |
| Assurance | 42 | 14.9% |
| National General | 21 | 7.4% |
| Dairyland | 20 | 7.1% |
| Geico | 15 | 5.3% |
| Gainsco | 7 | 2.5% |
| ASI | 4 | 1.4% |
| ePremium | 4 | 1.4% |
| Bristol West | 3 | 1.1% |
| Other | 3 | 1.1% |
South Carolina drivers often relocate or compare coverage with nearby states in the Southeast. Differences in liability limits, claim environments, and legal structures can impact pricing. For example, drivers moving north may want to review NC insurance quotes, which has higher minimum limits and different underwriting factors compared to South Carolina.
South Carolina Snapshot
Quick baseline insurance rates for this state report.
The statewide observed spread is enormous, driven by the diversity of policy types and risk profiles in this large dataset. Coverage type, driver history, and vehicle all play a significant role in where your premium lands.
This is internal policy data (not public filings). It reflects issued policies and can be used as guidance when estimating your own month-to-month price.
- Highest average county premium: Charleston County ($519.09/mo).
- Lowest average county premium: Barnwell County ($92.92/mo).
- Largest within-county spread (2+ policies): Pickens County (23,854% gap between low and high — one very low renters policy vs. high-risk auto).
- Top county by policy volume: Spartanburg County (115 policies).
Insurance pricing in South Carolina can vary significantly by carrier, especially for drivers with tickets, accidents, or lapses in coverage. Some companies specialize in non standard or higher risk drivers. Options many shoppers compare include Bristol West Insurance and ASI Assurance, which may offer flexible underwriting or bundled coverage options depending on driver and property needs.
County Pricing
All county data on one page. Counties sorted by policy volume. Use this to compare counties quickly.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| Spartanburg County | 115 | $200.13 | $12.19 | $584.31 |
| York County | 35 | $227.76 | $11.79 | $1,381.12 |
| Greenville County | 33 | $183.23 | $16.17 | $618.13 |
| Pickens County | 19 | $174.78 | $2.50 | $598.85 |
| Anderson County | 15 | $226.61 | $83.45 | $758.76 |
| Union County | 12 | $179.31 | $11.75 | $353.15 |
| Kershaw County | 7 | $180.36 | $88.17 | $334.90 |
| Richland County | 6 | $182.24 | $6.41 | $595.07 |
| Lancaster County | 6 | $194.56 | $103.86 | $398.33 |
| Cherokee County | 4 | $306.74 | $194.66 | $563.87 |
| Charleston County | 4 | $519.09 | $16.67 | $1,101.36 |
| Laurens County | 4 | $207.34 | $65.71 | $375.00 |
| Chester County | 4 | $276.62 | $176.66 | $341.32 |
| Aiken County | 4 | $179.10 | $92.00 | $301.00 |
| Oconee County | 3 | $166.12 | $92.52 | $252.00 |
| Abbeville County | 2 | $229.24 | $176.99 | $281.50 |
| Horry County | 1 | $370.82 | $370.82 | $370.82 |
| Orangeburg County | 1 | $191.15 | $191.15 | $191.15 |
| Greenwood County | 1 | $162.00 | $162.00 | $162.00 |
| Sumter County | 1 | $125.00 | $125.00 | $125.00 |
| Dorchester County | 1 | $107.50 | $107.50 | $107.50 |
| Florence County | 1 | $106.77 | $106.77 | $106.77 |
| Berkeley County | 1 | $98.47 | $98.47 | $98.47 |
| Edgefield County | 1 | $94.88 | $94.88 | $94.88 |
| Barnwell County | 1 | $92.92 | $92.92 | $92.92 |
For additional insight into South Carolina pricing trends and coverage options, review our South Carolina car insurance guide, compare regional differences with North Carolina insurance quotes, and explore alternative carrier options such as Bristol West Insurance and ASI Assurance.
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