South Carolina Car Insurance Cost for 2025

What does car insurance cost in South Carolina? We find the cheapest car insurance rates by vehicle segment and compare them to neighboring states.

Start a Free QuoteCompare South Carolina car insurance quotes and save on your next policy.

Red Ford Super Duty pickup parked at South Carolina beach

How much does car insurance cost in South Carolina?

Average car insurance rates in South Carolina cost $2,192 per year, or around $183 per month. That’s 1.3% cheaper than the overall U.S. national average rate of $2,221.

Car insurance rates for some of the most popular vehicles in South Carolina include the Toyota RAV4 at an average of $2,022 per year, the Subaru Forester at $1,952, the Toyota Highlander at $1,996, the Ford F-150 at $2,452, and the Honda Accord at $2,118 per year.

Luxury models like the Infiniti Q50, the Lexus RX 350, and the Lexus UX 200 cost an average of $2,482, $2,202, and $2,150 per year, respectively, for full-coverage car insurance.

The chart below shows average car insurance cost in South Carolina for all 2024 model year vehicles. Rates are averaged for all South Carolina Zip Codes.

Average full-coverage car insurance premium in South Carolina for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in South Carolina for different ages of drivers. Rates updated on June 26, 2025.
View as TableView Data Details

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all South Carolina Zip Codes.

Average Car Insurance Cost in South Carolina
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,734$311
$500$4,412$368
$250$5,132$428
30$1,000$1,962$164
$500$2,342$195
$250$2,736$228
40$1,000$1,844$154
$500$2,192$183
$250$2,556$213
50$1,000$1,644$137
$500$1,944$162
$250$2,258$188
60$1,000$1,540$128
$500$1,820$152
$250$2,114$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all South Carolina Zip Codes. Updated June 26, 2025

South Carolina car insurance rates for teenage drivers (ages 16 through 19) are not included in the chart above. Average rates for teen drivers range from $5,222 per year for a 19-year-old female driver to $7,808 per year for a 16-year-old male driver.

South Carolina car insurance vs. other states

When compared to other southeastern states, South Carolina car insurance quotes are 18.4% more expensive than North Carolina, 14.8% more expensive than Virginia, 13.7% cheaper than Georgia, 8.7% cheaper than Tennessee, and 22.7% cheaper than Florida.

The chart below shows how auto insurance cost in South Carolina compares to other Southeast U.S. states. South Carolina ranks third out of the 12 Southeast region states for cheapest car insurance rates, and ranks 16thout of all 50 states.

Average cost of car insurance in South Carolina compared to other Southeast region states.
Figure 2: Average cost of car insurance in South Carolina compared to other Southeast region states. Rates updated on June 27, 2025.
View as TableView Data Details

Get Rates in Your AreaWhy is this important?

Average Car Insurance Cost in South Carolina Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,822-$370
Virginia$1,890-$302
South Carolina$2,192--
West Virginia$2,288$96
Alabama$2,300$108
Tennessee$2,392$200
Mississippi$2,432$240
Georgia$2,514$322
Arkansas$2,556$364
Kentucky$2,600$408
Louisiana$2,660$468
Florida$2,754$562

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all South Carolina Zip Codes. Updated June 27, 2025

States outside the southeastern area that are significantly more expensive include Michigan at 26.4% more per year, Rhode Island at 27.5% more, and Nevada at 25.1% more per year on average.

South Carolina car insurance rates by vehicle segment

The chart below shows average car insurance rates in South Carolina for different vehicle segments. Rates are generally cheapest for compact SUVs like the Toyota RAV4 and Nissan Rogue up to the most expensive rates for large luxury sedans and performance models.

Car insurance average cost by automotive segment in South Carolina.
Figure 3: Car insurance average cost by automotive segment in South Carolina. Rates updated on June 27, 2025.
View as TableView Data Details

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all South Carolina Zip Codes.

Car Insurance Rates by Automotive Segment in South Carolina
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,014$168
Midsize SUV$2,166$181
Compact Car$2,168$181
Minivan$2,170$181
Midsize Pickup$2,214$185
Midsize Car$2,236$186
Compact Luxury SUV$2,378$198
Compact Luxury Car$2,414$201
Large SUV$2,422$202
Half-ton Pickup$2,432$203
Heavy Duty Pickup$2,522$210
Midsize Luxury SUV$2,604$217
Midsize Luxury Car$2,690$224
Sports Car$3,016$251
Large Car$3,156$263
Large Luxury SUV$3,394$283
Large Luxury Car$3,508$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all South Carolina Zip Codes. Updated June 27, 2025

The list below details the make and model of vehicle that has the most affordable average car insurance rates for each segment.

  • Cheapest compact car insurance – Toyota GR Corolla at $1,906 per year or $159 per month
  • Cheapest compact SUV insurance – Subaru Crosstrek at $1,620 per year or $135 per month
  • Cheapest midsize car insurance – Kia K5 at $2,112 per year or $176 per month
  • Cheapest midsize SUV insurance – Honda Passport at $1,748 per year or $146 per month
  • Cheapest full-size car insurance – Chrysler 300 at $2,088 per year or $174 per month
  • Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,060 per year or $172 per month
  • Cheapest midsize pickup insurance – Chevrolet Colorado at $1,932 per year or $161 per month
  • Cheapest full-size pickup insurance – Nissan Titan at $2,050 per year or $171 per month
  • Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,230 per year or $186 per month
  • Cheapest minivan insurance – Honda Odyssey at $2,004 per year or $167 per month
  • Cheapest sports car insurance – Mazda MX-5 Miata at $2,030 per year or $169 per month
  • Cheapest compact luxury car insurance – Acura Integra at $1,950 per year or $163 per month
  • Cheapest compact luxury SUV insurance – Acura RDX at $1,834 per year or $153 per month
  • Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,258 per year or $188 per month
  • Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,050 per year or $171 per month
  • Cheapest full-size luxury car insurance – Audi A5 at $2,606 per year or $217 per month
  • Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,460 per year or $205 per month

Which cars, trucks, and SUVs are cheapest to insure?

In South Carolina, the cheapest car to insure is the Toyota GR Corolla at $1,906 per year. The cheapest SUV insurance is found on the Subaru Crosstrek at $1,620 per year, and the cheapest pickup truck to insure is the Chevrolet Colorado at $1,932 per year.

The table below ranks the 50 cheapest vehicles to insure in South Carolina. All vehicle segments are included in the rankings, and both annual and monthly cost is shown.

Top 50 Cheapest Car Insurance Rates in South Carolina
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,620$135
2Chevrolet Trailblazer$1,648$137
3Kia Soul$1,712$143
4Nissan Kicks$1,726$144
5Honda Passport$1,748$146
6Buick Envision$1,758$147
7Toyota Corolla Cross$1,768$147
8Hyundai Venue$1,782$149
9Mazda CX-5$1,790$149
10Ford Bronco Sport$1,798$150
11Volkswagen Tiguan$1,816$151
12Acura RDX$1,834$153
13Nissan Murano$1,844$154
14Buick Encore$1,864$155
15Subaru Outback$1,868$156
16Honda CR-V$1,872$156
17Buick Envista$1,874$156
18Volkswagen Taos$1,878$157
19Kia Niro$1,890$158
20Toyota GR Corolla$1,906$159
21Honda HR-V$1,908$159
22Subaru Ascent$1,908$159
23Nissan Leaf$1,920$160
24Chevrolet Colorado$1,932$161
25Honda Civic$1,940$162
26Lexus NX 250$1,942$162
27Volkswagen Atlas$1,946$162
28Acura Integra$1,950$163
29Subaru Forester$1,952$163
30Volkswagen Atlas Cross Sport$1,954$163
31Kia Seltos$1,958$163
32GMC Terrain$1,964$164
33Nissan Rogue$1,970$164
34Hyundai Kona$1,974$165
35Mazda CX-30$1,978$165
36Cadillac XT4$1,980$165
37Volkswagen ID4$1,988$166
38Ford Explorer$1,992$166
39Toyota Highlander$1,996$166
40Ford Escape$2,000$167
41Toyota Venza$2,002$167
42Honda Odyssey$2,004$167
43Nissan Sentra$2,008$167
44Subaru Impreza$2,016$168
45Chevrolet Equinox$2,020$168
46Toyota RAV4$2,022$169
47Mazda MX-5 Miata$2,030$169
48Mazda MX-30$2,036$170
49Hyundai Tucson$2,038$170
50Chevrolet Traverse$2,046$171

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all South Carolina Zip Codes. Updated June 26, 2025

View Table as Image
Top 50 cheapest vehicles to insure in South Carolina with the Subaru Crosstrek ranking first at $1,620 per year
Top 50 cheapest vehicles to insure in South Carolina with the Subaru Crosstrek ranking first at $1,620 per year

The next five charts show average auto insurance quotes for some of the more popular vehicles in South Carolina. Detailed average rates are included for the Chevy Silverado pickup, Nissan Rogue, Honda CR-V, Honda Accord, and Ford Mustang.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in South Carolina costs an average of $2,424 per year and ranges from $2,008 to $5,630 per year for the sample driver risk profiles shown in the chart below.

The Chevrolet Silverado is considered a full-size truck, and other popular models include the Ford F150, Ram Truck, Nissan Titan, Toyota Tundra, and GMC Sierra.

Average 2024 Chevrolet Silverado insurance premiums in South Carolina for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in South Carolina for different driver ages and risk scenarios. Rates updated on June 27, 2025.
View as TableView Data Details

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in South Carolina includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in South Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,630$469
Safe Driver Age 20$4,922$410
At-fault Accidents Age 40$3,466$289
Low Deductibles Age 40$3,128$261
Safe Driver Age 30$2,582$215
Safe Driver Age 40$2,424$202
Safe Driver Age 50$2,154$180
High Deductibles Age 40$2,064$172
Safe Driver Age 60$2,016$168
Discount Rate Age 40$2,008$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

Nissan Rogue insurance rates

The chart below shows average Nissan Rogue insurance rates in South Carolina for different driver ages and risk profiles. Annual cost ranges from $1,638 to $4,502 per year for the example driver risk profiles, with average cost being $1,970 per year.

The Nissan Rogue is a compact SUV and other similar models include the Mazda CX-5, Honda CR-V, Subaru Forester, Toyota RAV4, and Ford Escape.

Average 2024 Nissan Rogue insurance premiums in South Carolina for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in South Carolina for different driver ages and risk scenarios. Rates updated on June 26, 2025.
View as TableView Data Details

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in South Carolina includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in South Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,502$375
Safe Driver Age 20$3,930$328
At-fault Accidents Age 40$2,788$232
Low Deductibles Age 40$2,536$211
Safe Driver Age 30$2,098$175
Safe Driver Age 40$1,970$164
Safe Driver Age 50$1,756$146
High Deductibles Age 40$1,678$140
Safe Driver Age 60$1,638$137
Discount Rate Age 40$1,638$137

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

Honda CR-V insurance rates

Honda CR-V car insurance rates in South Carolina range from $1,554 to $4,296 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $1,872 per year or $156 per month in South Carolina.

The Honda CR-V belongs to the compact SUV segment, and other popular models include the Nissan Rogue, Chevrolet Equinox, Toyota RAV4, Subaru Forester, and Ford Escape.

Average 2024 Honda CR-V insurance premiums in South Carolina for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda CR-V insurance premiums in South Carolina for different driver ages and risk scenarios. Rates updated on June 26, 2025.
View as TableView Data Details

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in South Carolina includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in South Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,296$358
Safe Driver Age 20$3,760$313
At-fault Accidents Age 40$2,646$221
Low Deductibles Age 40$2,440$203
Safe Driver Age 30$1,992$166
Safe Driver Age 40$1,872$156
Safe Driver Age 50$1,658$138
High Deductibles Age 40$1,578$132
Safe Driver Age 60$1,556$130
Discount Rate Age 40$1,554$130

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 26, 2025

Honda Accord insurance rates

The average annual cost for Honda Accord insurance in South Carolina is $2,118, or $177 per month. The data in the next chart ranges from $1,762 to $4,870 per year for our standard driver risk profiles.

The Honda Accord is a midsize car and other vehicles in this segment include the Nissan Altima, Toyota Camry, Hyundai Sonata, Chevrolet Malibu, and Kia K5.

Average 2024 Honda Accord insurance premiums in South Carolina for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Accord insurance premiums in South Carolina for different driver ages and risk scenarios. Rates updated on June 26, 2025.
View as TableView Data Details

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in South Carolina includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in South Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,870$406
Safe Driver Age 20$4,262$355
At-fault Accidents Age 40$2,992$249
Low Deductibles Age 40$2,792$233
Safe Driver Age 30$2,262$189
Safe Driver Age 40$2,118$177
Safe Driver Age 50$1,874$156
High Deductibles Age 40$1,774$148
Discount Rate Age 40$1,762$147
Safe Driver Age 60$1,756$146

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 26, 2025

Ford Mustang insurance rates

The average cost for Ford Mustang insurance in South Carolina is $2,410 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,000 to $5,518 per year.

The Ford Mustang is classified as a sports car and other vehicles in this segment include the Nissan GT-R, Chevrolet Camaro, Chevrolet Corvette, Toyota Supra, and Subaru BRZ.

Average 2024 Ford Mustang insurance premiums in South Carolina for different driver ages and risk scenarios.
Figure 8: Average 2024 Ford Mustang insurance premiums in South Carolina for different driver ages and risk scenarios. Rates updated on June 26, 2025.
View as TableView Data Details

Data Methodology: Average rates are for a 2024 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in South Carolina includes all Zip Codes and vehicle trim levels.

2024 Ford Mustang Insurance Cost in South Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,518$460
Safe Driver Age 20$4,820$402
At-fault Accidents Age 40$3,406$284
Low Deductibles Age 40$3,134$261
Safe Driver Age 30$2,568$214
Safe Driver Age 40$2,410$201
Safe Driver Age 50$2,140$178
High Deductibles Age 40$2,036$170
Safe Driver Age 60$2,000$167
Discount Rate Age 40$2,000$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Mustang trim levels. Updated June 26, 2025

South Carolina car insurance rates by city

Average annual and monthly car insurance rates for some of the larger cities in South Carolina are listed below. Visit any page to view additional rate information, including rankings of over 150 models with the cheapest rates in each city.