Popular Questions About South Carolina Car Insurance

Rates for car insurance in South Carolina are a bit lower than the national average rate. That does not mean you don’t still have room for big savings

On average, Americans pay $1,311 per year for their auto insurance. South Carolina drivers pay an average of about $1,210 per year. To make sure you're getting the best rate on the market, compare quotes from a variety of insurance companies with a Trusted Choice® agent.

Driving on South Carolina roads can be dangerous, and accidents can happen when you least expect it. If you find yourself in one, here's what your car insurance will do for you…

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $25,000 per person / $50,000 per accident. We officially call this "bodily injury liability."

Take note: South Carolina requires every driver to have a certain amount of insurance that will pay for someone else's vehicle damage and medical bills. If your auto insurance doesn't meet these minimum liability limits, you could see repercussions and end up paying out of pocket.

The driver who caused the accident is responsible for covering the cost of damages.

The good news is that South Carolina has fewer uninsured drivers than the national average of 12.6%. However, it's still a problem that some people drive without any insurance or financial backup plan.

With "Uninsured Motorist Coverage," you will be protected if you are hit by an uninsured driver. This insurance coverage will pay to fix your vehicle and handle your medical bills after attempting to receive compensation from the at-fault driver.

South Carolina does not require you to have uninsured motorist coverage, but we highly recommend it, given the risk.

An independent insurance agent compares multiple companies to find the best policy for your needs.

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Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
North Charleston20.34.77$1,086
Mount Pleasant18.60.82$1,362
Rock Hill21.60.98$1,086
Hilton Head17.22.22$1,109
North Myrtle Beach187.21$1,363
Goose Creek24.91.11$1,235
Myrtle Beach15.816.39$1,235
North Augusta22.71.69$1,131
West Columbia20.12.55$1,094
Fort Mill230.3$1,375
Port Royal13.42.9$1,327
Surfside Beach19.71.91$1,383
  1. $91
  2. North Charleston, NC Car Insurance Average monthly cost
  3. On average, residents of North Charleston pay $91 per month for their car insurance. Your personalized auto insurance quotes will be based on information about your vehicle and the drivers in your household as well as the coverage amounts you choose. You can therefore expect to receive quotes that are considerably higher or lower than this average.
  4. Since North Charleston drivers have shorter-than-average commute times, they're behind the wheel longer than most. The more time you spend on busy and congested roadways, the higher your risk of being involved in a collision. The shorter commute times in Charleston can help to keep rates low for many residents. 
  5. The auto theft rate in North Charleston is higher than the national average, so it is important that you take precautionary steps to protect your vehicle. These include keeping your doors locked, parking in well-lit areas, and keeping valuable hidden out of view. In the event that your car is stolen, or if it is damaged by a non-collision related event, you can only receive compensation for your losses if your policy includes comprehensive coverage. Talk to your Trusted Choice agent to learn more.

  1. $113
  2. Mount Pleasant, SC Car Insurance Average monthly cost
  3. The average monthly cost of auto insurance in Mount Pleasant is $113. If you're a Mount Pleasant car owner, you can expect your actual monthly payments to be considerably higher or lower than this average, depending on various factors having to do with your current vehicle and previous driving history.
  4. It's pretty straightforward: The more time you're behind the wheel and on the road, the more risk there is that you'll be in an accident. Mount Pleasant drivers don't spend as much commuting as the average national driver, which may help keep rates affordable in this city.
  5. Chances are good that you will never experience an auto theft in Mount Pleasant. But if your vehicle is damaged because of a property crime or any other non-collision event such as a falling tree or a flood, you can only receive compensation for your losses if your car insurance policy includes the optional comprehensive coverage. Talk to your agent for more information.

  1. $110
  2. Georgetown, SC Car Insurance Average monthly cost
  3. On average, residents of Georgetown pay $110 per month for their car insurance. Your actual rates will be calculated according to how much coverage you are purchasing, details about the vehicle (or vehicles) you are insuring, and information about all the licensed drivers in your household who will be using the insured vehicle.
  4. Georgetown drivers spend about the same amount of time traveling to and from work as the average American commuter. Because accidents are more likely to happen on busy, congested roadways, your commute will play a factor in how your rates are calculated.
  5. Theft, vandalism and fallen trees: What do they have in common? They can all happen at the drop of a hat, but you can have insurance to protect against their financial backlash. So long as your policy includes comprehensive coverage, you will qualify for compensation for losses 

  1. $110
  2. Camden, SC Car Insurance Average monthly cost
  3. The average monthly cost of auto insurance in Camden is $110. Your auto insurance rates will be personalized and unique to you so they may differ greatly from this average. Factors such as the type of car you drive, your driving history, and the amount of coverage you want will all play a role in determining what your policy will cost you. Talk with a Trusted Choice agent to receive the best car insurance that meets all of your needs.
  4. Simply put, the more time you spend on the road, the more likely it is that you'll be in an accident. Camden drivers spend slightly more time on the road to and from work than the average commuter. This may lead to a slight increase in local insurance rates.
  5. Unfortunately, the auto theft rate in Camden exceeds the national average. Whether your car has been stolen or it has been damaged by vandals, a falling object, or a flood, so long as you have comprehensive coverage included in your auto policy, you will qualify for compensation

  1. $92
  2. Hilton Head, SC Car Insurance Average monthly cost
  3. Residents of Hilton Head pay an average of $92 per month for their auto insurance. Depending on specific factors like your vehicle, gender, driving record, and insurance coverage needs, your actual monthly cost could be higher or lower than this amount. 
  4. Rush hour traffic puts drivers at an increased risk of being in a collision. Fortunately for residents of Hilton Head, commute times in this city are rather short, and this helps to keep the cost of insuring your vehicle more affordable.
  5. Did you know that you cannot receive compensation for non-collision events like auto theft, floods, falling trees, or hurricane-force winds unless your policy includes comprehensive coverage?  Talk to your Trusted Choice agent to learn more about this optional insurance coverage.