South Carolina car insurance

While driving through Charleston or Greenville enjoying the picturesque landscapes you can also enjoy dependable and affordable car insurance in South Carolina with Progressive. Learn South Carolina's car insurance requirements and see which coverages and discounts are available to you.

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What are South Carolina's minimum auto insurance requirements?

Drivers in South Carolina are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum car insurance limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to someone else in an accident.Minimum amount$25,000 per person
$50,000 per accident
Property damage liability (PD)What it coversDamage you cause to someone else's property while driving, such as a vehicle.Minimum amount$25,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident
UM/UIM property damageWhat it coversDamage to your vehicle and other property caused by an uninsured driver.Minimum amount$25,000 per accident (with a $200 deductible)

While these are South Carolina's minimum required car insurance limits, you can choose higher coverage amounts to better protect your family's finances. Learn how much car insurance you may need based on your circumstances and preferences.

Is South Carolina a no-fault state?

No. South Carolina is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Find out what happens if you're at fault in an accident.

How much is car insurance in South Carolina?

The average cost of a liability-only auto policy in South Carolina was $146.84 per month in 2023, based on Progressive policies with one car and one driver.* However, South Carolina car insurance rates will vary based on your driving history, ZIP code, and coverage selection. Discover more car insurance cost factors.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.

What is the best car insurance in South Carolina?

Finding the best car insurance in South Carolina means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help South Carolina drivers get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in South Carolina, here's how much drivers nationwide saved on average after switching to Progressive compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average‡

How do I lower my car insurance cost in South Carolina?

To lower your car insurance cost in South Carolina, you may qualify for the following discounts through Progressive:

  • Continuous insurance
  • Teen driver
  • Multi-policy
  • Paid in full
  • Homeowners
  • Quoting online

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in South Carolina is to combine your auto and home policies with Progressive — new customers nationwide who save bundling home and auto insurance save over 20% on average.†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to South Carolina's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is damaged in another covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

South Carolina driving resources

From Mount Pleasant to Rock Hill, get to know South Carolina's driving laws and resources. These resources apply to Greenville, Goose Creek, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in South Carolina

Online

Answer some easy questions and choose coverages.

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Call 1-866-749-7436

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Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in South Carolina

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023 for a given group of states. The average premium per cost group was calculated with a weighting based on the policy count of the states included in each cost group. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†Auto savings based on national average 12 month savings of $835 by new customers surveyed who saved with Progressive between June 2023 and May 2024. Home & auto savings based on national average 12 month savings of $779 by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**No. 1 in combined personal and commercial auto from SNL Financial's 2021 national written premium data.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

‡National average 12 month savings of $565 by new customers surveyed who switched from State Farm and saved with Progressive between June 2022 and May 2023. Potential savings will vary.