Cheap Car Insurance in South Carolina
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South Carolina Car Insurance Minimums
South Carolina requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Uninsured motorist property damage: $25,000
At-fault (tort) state.
Source: S.C. Code §§ 38-77-140, 38-77-150, 38-77-160 (https://www.scstatehouse.gov/code/t38c077.php), verified 2026-09-01.
What drives car insurance rates in South Carolina
Average spend per insured vehicle, 2023
$1,367
South Carolina drivers spent $1,367 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
74.5¢
Auto insurers in South Carolina paid 74.5 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.67
South Carolina recorded 1,038 traffic deaths in 2024, 1.67 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
162.2
South Carolina reported 9,034 motor vehicle thefts in 2025, 162.2 per 100,000 residents, from 215.1 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#16
FEMA ranks South Carolina #16 of 51 for expected annual loss from natural hazards; hurricane accounts for 40% of that loss, and comprehensive coverage is what pays for hurricane wind and flooding.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in South Carolina
The ten insurer groups that wrote the most auto premium in South Carolina in 2025, with their share of the state total of $7.0 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 28.2% | $2.0 billion |
| 2 | State Farm Group | 24.2% | $1.7 billion |
| 3 | Allstate Insurance Group | 11.1% | $774 million |
| 4 | United Services Automobile Association Group | 10.02% | $699 million |
| 5 | Berkshire Hathaway Group | 7.83% | $546 million |
| 6 | Travelers Group | 2.77% | $193 million |
| 7 | Auto Owners Group | 2.32% | $162 million |
| 8 | Southern Farm Bureau Casualty Group | 2.28% | $159 million |
| 9 | Liberty Mutual Group | 1.95% | $136 million |
| 10 | Nationwide Corp Group | 1.86% | $130 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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