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.

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How much does car insurance cost in South Carolina?

Average car insurance rates in South Carolina cost $2,238 per year, or around $187 per month. That’s 1.7% cheaper than the overall U.S. national average rate of $2,276.

Car insurance rates for some of the most popular vehicles in South Carolina include the Toyota RAV4 at an average of $2,062 per year, the Subaru Forester at $1,990, the Toyota Highlander at $2,034, the Ford F-150 at $2,504, and the Honda Accord at $2,162 per year.

Luxury models like the Infiniti Q50, the Lexus RX 350, and the Lexus UX 200 cost an average of $2,532, $2,244, and $2,196 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 October 24, 2025.
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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$3,808$317
$500$4,500$375
$250$5,234$436
30$1,000$2,000$167
$500$2,386$199
$250$2,788$232
40$1,000$1,880$157
$500$2,238$187
$250$2,608$217
50$1,000$1,676$140
$500$1,984$165
$250$2,304$192
60$1,000$1,570$131
$500$1,856$155
$250$2,154$180

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 October 24, 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 $5,326 per year for a 19-year-old female driver to $7,967 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 18.1% more expensive than North Carolina, 14.6% more expensive than Virginia, 13.3% cheaper than Georgia, 8.3% cheaper than Tennessee, and 22% 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 October 24, 2025.
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Average Car Insurance Cost in South Carolina Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,866-$372
Virginia$1,934-$304
South Carolina$2,238--
West Virginia$2,328$90
Alabama$2,344$106
Tennessee$2,432$194
Mississippi$2,476$238
Georgia$2,556$318
Arkansas$2,600$362
Kentucky$2,644$406
Louisiana$2,696$458
Florida$2,792$554

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 October 24, 2025

States outside the southeastern area that are significantly more expensive include Michigan at 25.3% more per year, Rhode Island at 27% more, and Nevada at 24.4% 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 October 24, 2025.
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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$2,054$171
Midsize SUV$2,208$184
Compact Car$2,212$184
Minivan$2,214$185
Midsize Pickup$2,258$188
Midsize Car$2,282$190
Compact Luxury SUV$2,426$202
Compact Luxury Car$2,460$205
Large SUV$2,470$206
Half-ton Pickup$2,482$207
Heavy Duty Pickup$2,570$214
Midsize Luxury SUV$2,656$221
Midsize Luxury Car$2,742$229
Sports Car$3,074$256
Large Car$3,218$268
Large Luxury SUV$3,462$289
Large Luxury Car$3,580$298

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 October 24, 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 $1,942 per year or $162 per month
  • Cheapest compact SUV insurance – Subaru Crosstrek at $1,652 per year or $138 per month
  • Cheapest midsize car insurance – Kia K5 at $2,156 per year or $180 per month
  • Cheapest midsize SUV insurance – Honda Passport at $1,780 per year or $148 per month
  • Cheapest full-size car insurance – Chrysler 300 at $2,130 per year or $178 per month
  • Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,100 per year or $175 per month
  • Cheapest midsize pickup insurance – Chevrolet Colorado at $1,970 per year or $164 per month
  • Cheapest full-size pickup insurance – Nissan Titan at $2,094 per year or $175 per month
  • Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,272 per year or $189 per month
  • Cheapest minivan insurance – Honda Odyssey at $2,042 per year or $170 per month
  • Cheapest sports car insurance – Mazda MX-5 Miata at $2,070 per year or $173 per month
  • Cheapest compact luxury car insurance – Acura Integra at $1,988 per year or $166 per month
  • Cheapest compact luxury SUV insurance – Acura RDX at $1,870 per year or $156 per month
  • Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,300 per year or $192 per month
  • Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,090 per year or $174 per month
  • Cheapest full-size luxury car insurance – Audi A5 at $2,658 per year or $222 per month
  • Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,508 per year or $209 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 $1,942 per year. The cheapest SUV insurance is found on the Subaru Crosstrek at $1,652 per year, and the cheapest pickup truck to insure is the Chevrolet Colorado at $1,970 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$1,652$138
2Chevrolet Trailblazer$1,680$140
3Kia Soul$1,746$146
4Nissan Kicks$1,760$147
5Honda Passport$1,780$148
6Buick Envision$1,792$149
7Toyota Corolla Cross$1,802$150
8Hyundai Venue$1,816$151
9Mazda CX-5$1,824$152
10Ford Bronco Sport$1,830$153
11Volkswagen Tiguan$1,850$154
12Acura RDX$1,870$156
13Nissan Murano$1,880$157
14Buick Encore$1,900$158
15Honda CR-V$1,906$159
16Subaru Outback$1,906$159
17Buick Envista$1,912$159
18Volkswagen Taos$1,916$160
19Kia Niro$1,926$161
20Toyota GR Corolla$1,942$162
21Honda HR-V$1,946$162
22Subaru Ascent$1,946$162
23Nissan Leaf$1,958$163
24Chevrolet Colorado$1,970$164
25Lexus NX 250$1,978$165
26Honda Civic$1,980$165
27Volkswagen Atlas$1,982$165
28Acura Integra$1,988$166
29Subaru Forester$1,990$166
30Volkswagen Atlas Cross Sport$1,992$166
31Kia Seltos$1,998$167
32GMC Terrain$2,000$167
33Nissan Rogue$2,010$168
34Hyundai Kona$2,012$168
35Cadillac XT4$2,018$168
36Mazda CX-30$2,018$168
37Volkswagen ID4$2,028$169
38Ford Explorer$2,030$169
39Toyota Highlander$2,034$170
40Ford Escape$2,040$170
41Honda Odyssey$2,042$170
42Toyota Venza$2,042$170
43Nissan Sentra$2,050$171
44Subaru Impreza$2,056$171
45Chevrolet Equinox$2,060$172
46Toyota RAV4$2,062$172
47Mazda MX-5 Miata$2,070$173
48Mazda MX-30$2,074$173
49Hyundai Tucson$2,078$173
50Chevrolet Traverse$2,088$174

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 October 24, 2025

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Top 50 cheapest vehicles to insure in South Carolina with the Subaru Crosstrek ranking first at $1,652 per year
Top 50 cheapest vehicles to insure in South Carolina with the Subaru Crosstrek ranking first at $1,652 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 $2,476 per year and ranges from $2,048 to $5,742 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 October 24, 2025.
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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$5,742$479
Safe Driver Age 20$5,024$419
At-fault Accidents Age 40$3,536$295
Low Deductibles Age 40$3,194$266
Safe Driver Age 30$2,632$219
Safe Driver Age 40$2,476$206
Safe Driver Age 50$2,200$183
High Deductibles Age 40$2,108$176
Safe Driver Age 60$2,056$171
Discount Rate Age 40$2,048$171

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 October 24, 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 $1,668 to $4,594 per year for the example driver risk profiles, with average cost being $2,010 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 October 24, 2025.
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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$4,594$383
Safe Driver Age 20$4,006$334
At-fault Accidents Age 40$2,846$237
Low Deductibles Age 40$2,584$215
Safe Driver Age 30$2,138$178
Safe Driver Age 40$2,010$168
Safe Driver Age 50$1,788$149
High Deductibles Age 40$1,710$143
Safe Driver Age 60$1,672$139
Discount Rate Age 40$1,668$139

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 October 24, 2025

Honda CR-V insurance rates

Honda CR-V car insurance rates in South Carolina range from $1,584 to $4,382 per year for the driver profiles in the chart below. Honda CR-V insurance costs an average of $1,906 per year or $159 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 October 24, 2025.
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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$4,382$365
Safe Driver Age 20$3,834$320
At-fault Accidents Age 40$2,700$225
Low Deductibles Age 40$2,486$207
Safe Driver Age 30$2,032$169
Safe Driver Age 40$1,906$159
Safe Driver Age 50$1,692$141
High Deductibles Age 40$1,608$134
Discount Rate Age 40$1,584$132
Safe Driver Age 60$1,582$132

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 October 24, 2025

Honda Accord insurance rates

The average annual cost for Honda Accord insurance in South Carolina is $2,162, or $180 per month. The data in the next chart ranges from $1,794 to $4,966 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 October 24, 2025.
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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$4,966$414
Safe Driver Age 20$4,350$363
At-fault Accidents Age 40$3,052$254
Low Deductibles Age 40$2,846$237
Safe Driver Age 30$2,306$192
Safe Driver Age 40$2,162$180
Safe Driver Age 50$1,912$159
High Deductibles Age 40$1,808$151
Discount Rate Age 40$1,794$150
Safe Driver Age 60$1,790$149

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 October 24, 2025

Ford Mustang insurance rates

The average cost for Ford Mustang insurance in South Carolina is $2,460 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,040 to $5,628 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 October 24, 2025.
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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$5,628$469
Safe Driver Age 20$4,914$410
At-fault Accidents Age 40$3,476$290
Low Deductibles Age 40$3,198$267
Safe Driver Age 30$2,622$219
Safe Driver Age 40$2,460$205
Safe Driver Age 50$2,182$182
High Deductibles Age 40$2,076$173
Discount Rate Age 40$2,040$170
Safe Driver Age 60$2,038$170

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 October 24, 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.