South Carolina Auto Insurance Rates
Median premium: $891/6mo across 10 carriers and 534 ZIP codes.
Premiums range from $600 to $2,695 — a 4.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$891
per 6 months
ZIP Codes
534
with rate data
Carriers
10
rated in SC
Price Spread
4.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Allstate | $375 | 534 ZIPs | 100% | |
| 2 | Farmers | $573 | 0 ZIPs | 0% | |
| 3 | USAA | $597 | 0 ZIPs | 0% | |
| 4 | Auto-Owners | $746 | 0 ZIPs | 0% | |
| 5 | Progressive | $870 | 0 ZIPs | 0% | |
| 6 | Nationwide | $912 | 0 ZIPs | 0% | |
| 7 | Travelers | $928 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $953 | 0 ZIPs | 0% | |
| 9 | State Farm | $1,085 | 0 ZIPs | 0% | |
| 10 | GEICO | $1,451 | 0 ZIPs | 0% |
1
$375Allstate#1 in 534 ZIPs (100%)
2
$573Farmers#1 in 0 ZIPs (0%)
3
$597USAA#1 in 0 ZIPs (0%)
4
$746Auto-Owners#1 in 0 ZIPs (0%)
5
$870Progressive#1 in 0 ZIPs (0%)
6
$912Nationwide#1 in 0 ZIPs (0%)
7
$928Travelers#1 in 0 ZIPs (0%)
8
$953Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,085State Farm#1 in 0 ZIPs (0%)
10
$1,451GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in South Carolina
| City | Avg Median | ZIPs |
|---|---|---|
| Central | $600 | 1 |
| Cleveland | $600 | 1 |
| Liberty | $600 | 1 |
| Marietta | $600 | 1 |
| Norris | $600 | 1 |
Most Expensive Cities in South Carolina
| City | Avg Median | ZIPs |
|---|---|---|
| Ridgeville | $1,654 | 1 |
| Cottageville | $1,654 | 1 |
| Varnville | $1,436 | 1 |
| Scotia | $1,436 | 1 |
| Pineland | $1,436 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,654/6mo
29472 (Ridgeville)
Cheapest ZIP
$600/6mo
29630 (Central)
4.5x
Price Spread
The most expensive ZIP in South Carolina costs 4.5x more than the cheapest. Your ZIP code matters more than you think.
South Carolina Auto Insurance FAQ
ZIP Code Lookup
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All carriers in South Carolina
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Access ZIP-level rate data across all 10 carriers, 534 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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