How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000 VehiclesAnnual insurance cost
North Charleston248.37$1,086
Mount Pleasant23.31.1$1,362
Rock Hill24.62.47$1,086
North Myrtle Beach21.55.73$1,363
Myrtle Beach17.56.54$1,235

South Carolina Car Insurance FAQ - Quick Answers

In South Carolina, the average annual car insurance premium is $1,210, coming in less expensive than the national number of $1,311 per year. Check with a local adviser on ways you can cut costs on your coverage.

There are numerous risk factors that carriers look for when rating your South Carolina auto policy. Below are the most common items that affect your car insurance premiums:

  • Your age
  • Your driving record
  • Your address
  • Your annual mileage
  • Your vehicle's value
  • Your claims history

While your South Carolina auto policy will be unique to you, the following coverage selections are common:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage caused by a non-collision event such as a hailstorm.
  • Collision: Pays for damage caused by a collision with another driver.

In South Carolina, you're required to carry the minimum limits of coverage shown below in order to drive:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Uninsured motorist liability 

There are several car insurance markets that you could get coverage through. In South Carolina, Travelers, State Auto, Nationwide, and Progressive are all top insurance companies to choose from. These carriers get high marks because of their superior claims service and coverage offerings.

No, South Carolina is not a "no-fault" state. South Carolina is what you call an "at-fault" state, which means the responsible party is the one paying for the loss. 

Comprehensive car insurance in South Carolina is an optional coverage that can be used to further protect your vehicle. This limit provides insurance for any damage to your covered autos caused by a non-collision event such as a hailstorm or garage fire.

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