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South Carolina Auto Insurance [Rates + Cheap Coverage Guide]

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South Carolina Stats  
Miles of Roadway 76,301
Vehicles Registered 3,902,945
Population 5,084,127
Most Popular Vehicle F150
Uninsured % / Underinsured % 9.40%
Total Driving Related Deaths Speeding: 416
DUI: 313
Full Coverage Average Premiums Liability: $527.09
Collision: $265.07
Comprehensive: $180.94
Cheapest Provider State Farm Mutual Auto

South Carolina, or “The Palmetto State”, is home to a little over 5 million people. Named in honor of King Charles I of England, South Carolina has a rich Antebellum and Civil War history. When it comes to what South Carolina is known for, South Carolina bases its staples and economy in farming, trade, and tourism.

A state known for its palm trees brings up a comparison for car insurance:  sometimes you are not able to see the forest for the trees.

For help with navigating through this forest, we have put together this guide, full of every piece of car insurance information you can think of:  coverage and rates, car insurance providers, state laws, and more.

Want to start comparing rates and saving money? Start today with just your zip code.

Table of Contents

South Carolina Car Insurance Coverage and Rates

So much information out there about car insurance coverage and rates.

Read on, for we have put all the information together in a nice, neat package for your convenience.

– South Carolina Car Culture

As a resident of South Carolina, you might know that your car culture is steeped in building vehicles and racing vehicles. The automotive history of South Carolina starts in 1916 when the Rock Hill Buggy Co. set up shop in South Carolina and starting manufacturing cars.

South Carolina is home to some of the most famous raceways:  Darling Raceway, Carolina Motorsports Park, and Myrtle Beach Speedway.

Fun fact:  The “unofficial” car of South Carolina is the BMW 760. It sells at 935 percent of the national average.

– South Carolina Minimum Coverage

An organization known as the Insurance Information Institute says that South Carolina ranks 37th in the nation for people who are not insured. This puts it between the states of Iowa and Connecticut. About 10 percent of the entire state of South Carolina is driving without car insurance.

At the minimum, you need liability insurance, which covers you in the event you are in an accident and there is bodily injuries or property damage.

South Carolina is an at-fault state. This means that the person who was at fault in the accident is the one who has to pay for any damage or injuries sustained.

In South Carolina, you are required to carry at the very least the minimum amount of liability insurance:

  • $25,000 for injuries to one person.
  • $50,000 for injuries to more than one person.
  • $25,000 for property damage.

This minimum liability coverage is known as 25/50/25.

If stopped by a police officer, you must show your proof of insurance, as required by state law. South Carolina does have electronic means of checking your registration as well. What a police officer is not authorized to do is to stop you specifically to check and see if you are insured.

Something to know:  if you are an uninsured motorist in South Carolina, you may be eligible to apply for an Uninsured Motorist Fee that allows you to drive and operate an uninsured vehicle while on South Carolina roads.

– Required Forms of Financial Responsibility in South Carolina

According to the South Carolina Motor Vehicle Financial Responsibility Act, the following are acceptable forms of financial responsibility:

  • Surety bond.
  • Real estate bonds with a combined value of $150,000 or more.
  • Cash/Security Deposit in the amount of $35,000 or more.

– Premiums as Percentage of Income in South Carolina

First off, you will want to know what the term disposable personal income means.

That is the amount you have left to spend after you have taken care of your necessary expenses and after taxes have been paid.

Over the course of three years, from 2012 to 2014, South Carolina in terms of disposable income has stayed steadily in the range of $31,000 to $33,000. This is only about $1,000 to $2,000 less than its sister state, North Carolina.

 

CalculatorPro

American Consumer Credit Counseling suggests saving 20 percent of every paycheck. Use the calculator, Calculator Pro, above to find out how much DPI you would have each month, and then times that amount by 20 percent to know how much you would need to save each month.

– Core Coverage

Core Car Insurance Coverage Costs in South Carolina  
Liability $497.50
Collision $247.62
Comprehensive $165.38
Full Coverage $910.51

The above table illustrates the most recent data provided by the National Association of Insurance Commissioners on the average insurance costs in South Carolina.

National average insurance costs are as follows:

  • Liability:  $516.39
  • Collision:  $299.73
  • Comprehensive:  $138.87
  • Full Coverage:  $954.99

South Carolina is running slightly below the national average on all counts, so this is a good sign. And South Carolina, like every other state, has minimum requirements for liability coverage. However, experts suggest purchasing more than the minimum coverage required in at-fault states, if at all possible.

– Additional Liability

The data from the table below is from the National Association of Insurance Commissioners, in regards to the average costs of additional liability loss ratios in South Carolina.

Additional Liability Coverage in South Carolina  
Medical Pay (Med Pay) 84.33
Uninsured/Underinsured Coverage 73.79
% Uninsured and Rank 9.4% (37)

What in the world is a loss ratio?

A loss ratio means that a company is paying out a certain number, or percentage of claims. If a company’s loss ratio is over 100 percent, the company is losing money. If the loss ratio is too low, the company is not paying claims.

Uninsured Motorist Coverage is required in South Carolina “in an amount equal to the minimum required liability coverage” of 25/50/25. This coverage protects you and your passengers if the other driver is at fault and has no insurance.

– Add-ons, Endorsements, and Riders

What if you want to add additional coverage to your policy, but do not want to pay an astronomical amount?

Good news: there are powerful but cheap extras you can add to your policy.

Here’s a list of useful coverage available to you in South Carolina. 

– South Carolina Commerical Automobile Insurance Plan

The South Carolina Commerical Automobile Insurance Plan helps provide insurance to high-risk drivers who cannot get auto insurance through the usual channels or have a hard time finding it on their own.

Other factors come into play, besides high risk, when it comes to the price of your car insurance.

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– Demographic Rates – Male vs. Female vs. Age

Myth:  Men pay more than women for car insurance.

Fact:  In some states, this myth is actually a reality.

What is the truth and what is a myth in South Carolina?

Let us take a look at the following table:

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate F&C $2,575.42 $2,575.42 $2,462.77 $2,462.77 $6,662.45 $8,518.45 $2,858.85 $3,111.28
Bristol West Select $3,198.86 $3,212.56 $3,054.08 $3,319.19 $8,424.07 $9,324.42 $3,486.65 $3,514.99
Geico Govt Employees $2,292.59 $2,292.59 $2,092.47 $2,092.47 $5,552.76 $5,685.15 $2,674.55 $2,741.48
Nationwide Mutual Fire $2,469.20 $2,501.59 $2,223.66 $2,308.30 $5,970.02 $7,692.64 $2,792.80 $3,045.71
Progressive Northern $2,477.19 $2,286.14 $2,128.88 $2,225.14 $10,287.93 $11,361.20 $2,848.88 $2,969.28
State Farm Mutual Auto $1,938.66 $1,938.66 $1,755.90 $1,755.90 $5,564.16 $6,994.35 $2,175.82 $2,447.27
USAA $1,836.27 $1,842.82 $1,688.20 $1,690.25 $7,341.34 $8,041.03 $2,414.03 $2,544.18

For the most part, married males and married females, no matter the age, pay about the same in South Carolina. Across the board, single males, no matter the age, are paying more for car insurance than single females.

So the answer is partially yes:  single males pay more than married males in South Carolina.

– All Zip Codes – Cheapest Rates by Zip Code

Zipcode Average
29933 $4,519.05
29810 $4,504.34
29918 $4,499.47
29939 $4,493.57
29913 $4,449.78
29433 $4,434.52
29827 $4,412.90
29921 $4,405.94
29934 $4,396.05
29944 $4,386.30
29481 $4,369.12
29911 $4,363.46
29923 $4,338.69
29932 $4,338.69
29924 $4,333.58
29916 $4,295.75
29486 $4,291.55
29922 $4,252.93
29046 $4,248.92
29430 $4,239.55
29104 $4,229.62
29836 $4,215.45
29450 $4,214.87
29476 $4,179.20
29468 $4,174.40
29506 $4,170.11
29456 $4,169.64
29461 $4,169.18
29418 $4,168.61
29470 $4,163.80
29475 $4,160.36
29080 $4,158.68
29168 $4,157.19
29929 $4,149.89
29943 $4,145.42
29452 $4,144.14
29449 $4,142.88
29912 $4,138.52
29530 $4,135.28
29547 $4,134.98
29936 $4,130.49
29132 $4,128.00
29447 $4,124.55
29493 $4,123.37
29518 $4,120.52
29222 $4,118.79
29436 $4,113.22
29474 $4,111.48
29945 $4,110.22
29082 $4,102.16
29724 $4,098.12
29414 $4,097.25
29849 $4,094.43
29053 $4,093.87
29435 $4,091.68
29041 $4,090.96
29446 $4,089.74
29052 $4,089.39
29425 $4,088.80
29438 $4,088.67
29565 $4,088.31
29488 $4,086.71
29479 $4,084.29
29510 $4,083.54
29550 $4,077.59
29405 $4,070.09
29583 $4,069.71
29487 $4,068.90
29434 $4,068.05
29440 $4,065.82
29208 $4,065.51
29410 $4,063.86
29472 $4,058.13
29161 $4,055.03
29056 $4,053.12
29469 $4,048.85
29125 $4,048.80
29453 $4,047.67
29426 $4,046.94
29201 $4,045.24
29001 $4,043.78
29111 $4,043.11
29580 $4,037.70
29153 $4,036.90
29567 $4,036.61
29536 $4,033.60
29546 $4,033.18
29003 $4,032.63
29203 $4,032.25
29541 $4,032.08
29204 $4,025.81
29102 $4,023.94
29406 $4,022.80
29477 $4,017.82
29210 $4,016.25
29590 $4,015.37
29540 $4,008.37
29432 $4,007.76
29501 $4,007.51
29122 $4,003.74
29055 $3,998.66
29483 $3,998.59
29229 $3,997.10
29581 $3,996.42
29010 $3,994.58
29455 $3,991.61
29431 $3,990.54
29135 $3,988.95
29162 $3,986.84
29569 $3,986.19
29914 $3,980.83
29592 $3,978.81
29180 $3,978.10
29223 $3,978.02
29492 $3,975.89
29154 $3,975.70
29532 $3,972.68
29720 $3,971.96
29570 $3,970.93
29543 $3,968.75
29152 $3,964.99
29209 $3,964.47
29051 $3,963.75
29420 $3,963.08
29147 $3,962.50
29205 $3,962.33
29403 $3,959.43
29594 $3,956.29
29123 $3,955.36
29040 $3,953.99
29584 $3,953.02
29554 $3,952.59
29527 $3,951.71
29571 $3,950.90
29130 $3,949.51
29579 $3,948.76
29564 $3,947.53
29556 $3,947.02
29471 $3,946.14
29544 $3,945.94
29404 $3,943.07
29577 $3,940.61
29589 $3,939.93
29566 $3,939.31
29407 $3,939.05
29560 $3,936.29
29133 $3,935.34
29563 $3,932.93
29505 $3,931.69
29437 $3,930.12
29069 $3,926.32
29409 $3,923.99
29002 $3,922.97
29511 $3,919.26
29591 $3,918.82
29593 $3,918.32
29574 $3,917.55
29114 $3,916.85
29373 $3,915.36
29065 $3,909.27
29045 $3,906.79
29729 $3,902.04
29042 $3,901.43
29568 $3,901.03
29074 $3,899.91
29081 $3,899.41
29015 $3,897.55
29555 $3,896.16
29177 $3,893.09
29225 $3,892.80
29526 $3,890.31
29072 $3,884.83
29044 $3,882.48
29063 $3,881.93
29058 $3,880.95
29596 $3,880.48
29576 $3,876.87
29516 $3,874.73
29485 $3,871.44
29728 $3,867.82
29150 $3,866.15
29905 $3,865.85
29172 $3,860.52
29128 $3,856.78
29207 $3,856.53
29062 $3,856.13
29078 $3,855.64
29073 $3,852.13
29512 $3,850.71
29175 $3,848.00
29016 $3,843.05
29733 $3,841.93
29525 $3,841.37
29812 $3,839.82
29741 $3,839.74
29061 $3,839.66
29727 $3,837.71
29020 $3,836.99
29212 $3,836.94
29588 $3,836.67
29575 $3,836.64
29146 $3,834.52
29014 $3,832.66
29448 $3,831.07
29033 $3,830.50
29445 $3,829.86
29067 $3,827.63
29206 $3,825.60
29030 $3,825.05
29169 $3,823.24
29160 $3,821.55
29826 $3,819.78
29101 $3,816.25
29439 $3,811.84
29036 $3,804.43
29341 $3,803.69
29018 $3,803.43
29038 $3,797.92
29927 $3,793.72
29831 $3,790.57
29112 $3,789.98
29458 $3,789.08
29113 $3,788.65
29545 $3,788.37
29709 $3,786.46
29429 $3,784.37
29115 $3,784.13
29126 $3,781.06
29712 $3,780.21
29107 $3,779.77
29170 $3,779.64
29817 $3,774.02
29148 $3,773.55
29070 $3,770.87
29379 $3,764.16
29714 $3,763.37
29718 $3,761.55
29048 $3,755.45
29163 $3,753.86
29365 $3,753.70
29412 $3,751.38
29075 $3,751.18
29142 $3,751.05
29117 $3,748.67
29706 $3,747.20
29322 $3,745.24
29323 $3,744.47
29032 $3,742.58
29401 $3,741.29
29572 $3,738.66
29843 $3,736.61
29424 $3,733.08
29054 $3,728.59
29482 $3,727.70
29118 $3,726.78
29702 $3,726.53
29611 $3,725.79
29039 $3,724.86
29451 $3,723.70
29321 $3,722.01
29464 $3,722.00
29059 $3,711.56
29006 $3,711.30
29047 $3,707.65
29520 $3,701.88
29684 $3,699.96
29340 $3,699.35
29009 $3,699.00
29585 $3,696.26
29920 $3,687.97
29609 $3,677.05
29353 $3,673.05
29137 $3,672.00
29853 $3,671.91
29302 $3,666.63
29617 $3,660.67
29582 $3,659.36
29108 $3,659.21
29847 $3,658.61
29127 $3,658.15
29386 $3,655.71
29306 $3,652.97
29614 $3,648.68
29372 $3,647.69
29704 $3,643.71
29031 $3,643.37
29307 $3,640.44
29605 $3,639.33
29707 $3,633.67
29303 $3,633.23
29374 $3,632.23
29316 $3,630.43
29466 $3,629.84
29624 $3,628.55
29178 $3,628.30
29324 $3,627.73
29356 $3,627.50
29329 $3,625.97
29333 $3,625.97
29346 $3,624.17
29687 $3,621.40
29385 $3,620.94
29607 $3,618.37
29330 $3,618.35
29655 $3,617.93
29613 $3,616.84
29915 $3,614.18
29377 $3,612.42
29742 $3,607.34
29627 $3,606.58
29710 $3,603.00
29320 $3,600.24
29697 $3,599.86
29683 $3,598.01
29166 $3,596.02
29910 $3,595.04
29378 $3,593.32
29842 $3,587.96
29376 $3,587.32
29673 $3,587.18
29145 $3,586.55
29940 $3,585.81
29941 $3,584.15
29856 $3,580.61
29703 $3,580.13
29661 $3,575.04
29690 $3,574.96
29301 $3,574.21
29639 $3,573.33
29601 $3,572.92
29654 $3,572.70
29902 $3,561.66
29743 $3,561.35
29355 $3,558.31
29636 $3,555.69
29615 $3,554.85
29369 $3,554.70
29129 $3,553.62
29906 $3,552.70
29717 $3,548.37
29715 $3,542.33
29334 $3,540.79
29909 $3,539.50
29931 $3,537.21
29824 $3,534.83
29821 $3,527.09
29726 $3,525.02
29349 $3,524.64
29105 $3,522.90
29331 $3,520.43
29138 $3,518.15
29835 $3,518.14
29907 $3,517.23
29388 $3,503.76
29669 $3,502.88
29335 $3,497.46
29650 $3,496.84
29666 $3,491.31
29651 $3,491.09
29621 $3,488.22
29935 $3,487.36
29845 $3,487.35
29860 $3,480.96
29805 $3,480.11
29816 $3,478.42
29037 $3,478.11
29734 $3,475.02
29662 $3,470.37
29625 $3,467.17
29841 $3,466.60
29730 $3,466.50
29682 $3,461.81
29164 $3,461.56
29708 $3,449.04
29657 $3,447.09
29638 $3,439.91
29838 $3,437.69
29635 $3,433.09
29640 $3,431.98
29819 $3,429.69
29829 $3,425.60
29839 $3,423.16
29671 $3,418.37
29745 $3,418.21
29732 $3,415.68
29626 $3,414.84
29644 $3,410.82
29620 $3,410.56
29926 $3,406.51
29692 $3,401.29
29851 $3,400.37
29325 $3,393.15
29681 $3,389.86
29850 $3,388.66
29832 $3,387.15
29803 $3,381.80
29628 $3,379.21
29828 $3,373.46
29656 $3,373.33
29801 $3,373.02
29659 $3,371.88
29667 $3,369.05
29351 $3,359.15
29848 $3,358.51
29928 $3,358.20
29809 $3,357.60
29642 $3,356.53
29677 $3,356.02
29680 $3,354.24
29840 $3,352.98
29658 $3,333.92
29643 $3,323.71
29370 $3,320.32
29646 $3,307.52
29670 $3,307.03
29645 $3,306.89
29332 $3,305.73
29689 $3,300.97
29685 $3,297.56
29632 $3,293.34
29634 $3,284.03
29653 $3,282.69
29693 $3,282.69
29686 $3,281.99
29360 $3,274.83
29649 $3,265.18
29664 $3,249.79
29678 $3,243.62
29384 $3,225.08
29696 $3,217.19
29676 $3,206.09
29631 $3,197.43
29691 $3,166.58
29675 $3,155.03
29665 $3,149.62
29630 $3,145.58
29672 $3,115.58

Search for your exact zip code in the table above to find out how much you’re paying, on average, annually.

– All Cities – Cheapest Rates by City

City Average
MILEY $4,519.05
ALLENDALE $4,504.34
ESTILL $4,499.47
SCOTIA $4,493.57
CROCKETVILLE $4,449.78
CANADYS $4,434.52
FAIRFAX $4,412.90
FURMAN $4,405.94
PINELAND $4,396.05
VARNVILLE $4,386.30
SMOAKS $4,369.12
BRUNSON $4,363.46
GIFFORD $4,338.69
LURAY $4,338.69
HAMPTON $4,333.58
EARLY BRANCH $4,295.75
SUMMERVILLE $4,291.55
GARNETT $4,252.93
ELLIOTT $4,248.92
BETHERA $4,239.55
MAYESVILLE $4,229.62
MARTIN $4,215.45
HUGER $4,214.87
RUSSELLVILLE $4,179.20
PINEVILLE $4,174.40
FLORENCE $4,170.11
LADSON $4,169.64
MONCKS CORNER $4,169.18
NORTH CHARLESTON $4,168.61
RAVENEL $4,163.80
RUFFIN $4,160.36
LYNCHBURG $4,158.68
WEDGEFIELD $4,157.19
ISLANDTON $4,149.89
TILLMAN $4,145.42
JACKSONBORO $4,144.14
HOLLYWOOD $4,142.88
COOSAWHATCHIE $4,138.52
COWARD $4,135.28
HAMER $4,134.98
RIDGELAND $4,130.49
RION $4,128.00
GROVER $4,124.55
WILLIAMS $4,123.37
CADES $4,120.52
COLUMBIA $4,118.79
CROSS $4,113.22
ROUND O $4,111.48
YEMASSEE $4,110.22
LODGE $4,102.16
LANDO $4,098.12
CHARLESTON $4,097.25
ULMER $4,094.43
GASTON $4,093.87
COTTAGEVILLE $4,091.68
DAVIS STATION $4,090.96
GREEN POND $4,089.74
GADSDEN $4,089.39
CHARLESTON $4,088.80
EDISTO ISLAND $4,088.67
LATTA $4,088.31
WALTERBORO $4,086.71
SAINT STEPHEN $4,084.29
ANDREWS $4,083.54
HARTSVILLE $4,077.59
NORTH CHARLESTON $4,070.09
PAMPLICO $4,069.71
WADMALAW ISLAND $4,068.90
CORDESVILLE $4,068.05
GEORGETOWN $4,065.82
COLUMBIA $4,065.51
HANAHAN $4,063.86
RIDGEVILLE $4,058.13
TIMMONSVILLE $4,055.03
GREELEYVILLE $4,053.12
PINOPOLIS $4,048.85
PINEWOOD $4,048.80
JAMESTOWN $4,047.67
ADAMS RUN $4,046.94
COLUMBIA $4,045.24
ALCOLU $4,043.78
NEW ZION $4,043.11
NESMITH $4,037.70
SUMTER $4,036.90
LITTLE ROCK $4,036.61
DILLON $4,033.60
GRESHAM $4,033.18
BAMBERG $4,032.63
COLUMBIA $4,032.25
EFFINGHAM $4,032.08
COLUMBIA $4,025.81
MANNING $4,023.94
CHARLESTON $4,022.80
SAINT GEORGE $4,017.82
COLUMBIA $4,016.25
SALTERS $4,015.37
DARLINGTON $4,008.37
BRANCHVILLE $4,007.76
FLORENCE $4,007.51
PEAK $4,003.74
GREAT FALLS $3,998.66
SUMMERVILLE $3,998.59
COLUMBIA $3,997.10
NICHOLS $3,996.42
BISHOPVILLE $3,994.58
JOHNS ISLAND $3,991.61
BONNEAU $3,990.54
SAINT MATTHEWS $3,988.95
TURBEVILLE $3,986.84
LORIS $3,986.19
DALE $3,980.83
SELLERS $3,978.81
WINNSBORO $3,978.10
COLUMBIA $3,978.02
CHARLESTON $3,975.89
SUMTER $3,975.70
DARLINGTON $3,972.68
LANCASTER $3,971.96
MC COLL $3,970.93
FORK $3,968.75
SHAW A F B $3,964.99
COLUMBIA $3,964.47
GABLE $3,963.75
NORTH CHARLESTON $3,963.08
STATE PARK $3,962.50
COLUMBIA $3,962.33
CHARLESTON $3,959.43
TATUM $3,956.29
PELION $3,955.36
DALZELL $3,953.99
PATRICK $3,953.02
HEMINGWAY $3,952.59
CONWAY $3,951.71
MARION $3,950.90
RIDGEWAY $3,949.51
MYRTLE BEACH $3,948.76
LANE $3,947.53
KINGSTREE $3,947.02
REEVESVILLE $3,946.14
GALIVANTS FERRY $3,945.94
CHARLESTON AFB $3,943.07
MYRTLE BEACH $3,940.61
RAINS $3,939.93
LITTLE RIVER $3,939.31
CHARLESTON $3,939.05
LAKE CITY $3,936.29
ROWESVILLE $3,935.34
LAKE VIEW $3,932.93
FLORENCE $3,931.69
DORCHESTER $3,930.12
LAMAR $3,926.32
CHARLESTON $3,923.99
BALLENTINE $3,922.97
AYNOR $3,919.26
SCRANTON $3,918.82
SOCIETY HILL $3,918.32
MULLINS $3,917.55
OLANTA $3,916.85
PACOLET MILLS $3,915.36
JENKINSVILLE $3,909.27
ELGIN $3,906.79
RICHBURG $3,902.04
DENMARK $3,901.43
LONGS $3,901.03
LIBERTY HILL $3,899.91
EHRHARDT $3,899.41
BLAIR $3,897.55
JOHNSONVILLE $3,896.16
WHITE ROCK $3,893.09
COLUMBIA $3,892.80
CONWAY $3,890.31
LEXINGTON $3,884.83
EASTOVER $3,882.48
IRMO $3,881.93
HEATH SPRINGS $3,880.95
WALLACE $3,880.48
MURRELLS INLET $3,876.87
BLENHEIM $3,874.73
SUMMERVILLE $3,871.44
PAGELAND $3,867.82
SUMTER $3,866.15
BEAUFORT $3,865.85
WEST COLUMBIA $3,860.52
REMBERT $3,856.78
COLUMBIA $3,856.53
HORATIO $3,856.13
LUGOFF $3,855.64
LEXINGTON $3,852.13
BENNETTSVILLE $3,850.71
WESTVILLE $3,848.00
BLYTHEWOOD $3,843.05
ROCK HILL $3,841.93
CLIO $3,841.37
BARNWELL $3,839.82
RUBY $3,839.74
HOPKINS $3,839.66
MOUNT CROGHAN $3,837.71
CAMDEN $3,836.99
COLUMBIA $3,836.94
MYRTLE BEACH $3,836.67
MYRTLE BEACH $3,836.64
SPRINGFIELD $3,834.52
BLACKSTOCK $3,832.66
HARLEYVILLE $3,831.07
CAYCE $3,830.50
GOOSE CREEK $3,829.86
KERSHAW $3,827.63
COLUMBIA $3,825.60
CAMERON $3,825.05
WEST COLUMBIA $3,823.24
SWANSEA $3,821.55
ELKO $3,819.78
MC BEE $3,816.25
FOLLY BEACH $3,811.84
CHAPIN $3,804.43
GAFFNEY $3,803.69
BOWMAN $3,803.43
COPE $3,797.92
HARDEEVILLE $3,793.72
JACKSON $3,790.57
NORTH $3,789.98
MC CLELLANVILLE $3,789.08
NORWAY $3,788.65
GREEN SEA $3,788.37
CHESTERFIELD $3,786.46
AWENDAW $3,784.37
ORANGEBURG $3,784.13
POMARIA $3,781.06
EDGEMOOR $3,780.21
NEESES $3,779.77
WEST COLUMBIA $3,779.64
BLACKVILLE $3,774.02
SUMMERTON $3,773.55
LEESVILLE $3,770.87
UNION $3,764.16
FORT LAWN $3,763.37
JEFFERSON $3,761.55
EUTAWVILLE $3,755.45
VANCE $3,753.86
LYMAN $3,753.70
CHARLESTON $3,751.38
LITTLE MOUNTAIN $3,751.18
SANTEE $3,751.05
ORANGEBURG $3,748.67
CHESTER $3,747.20
CAMPOBELLO $3,745.24
CHESNEE $3,744.47
CASSATT $3,742.58
CHARLESTON $3,741.29
MYRTLE BEACH $3,738.66
OLAR $3,736.61
CHARLESTON $3,733.08
GILBERT $3,728.59
SULLIVANS ISLAND $3,727.70
ORANGEBURG $3,726.78
BLACKSBURG $3,726.53
GREENVILLE $3,725.79
CORDOVA $3,724.86
ISLE OF PALMS $3,723.70
BUFFALO $3,722.01
MOUNT PLEASANT $3,722.00
HOLLY HILL $3,711.56
BATESBURG $3,711.30
ELLOREE $3,707.65
CHERAW $3,701.88
STARR $3,699.96
GAFFNEY $3,699.35
BETHUNE $3,699.00
PAWLEYS ISLAND $3,696.26
SAINT HELENA ISLAND $3,687.97
GREENVILLE $3,677.05
JONESVILLE $3,673.05
SALLEY $3,672.00
WILLISTON $3,671.91
SPARTANBURG $3,666.63
GREENVILLE $3,660.67
NORTH MYRTLE BEACH $3,659.36
NEWBERRY $3,659.21
TRENTON $3,658.61
PROSPERITY $3,658.15
WHITE STONE $3,655.71
SPARTANBURG $3,652.97
GREENVILLE $3,648.68
PACOLET $3,647.69
CATAWBA $3,643.71
CARLISLE $3,643.37
SPARTANBURG $3,640.44
GREENVILLE $3,639.33
FORT MILL $3,633.67
SPARTANBURG $3,633.23
PAULINE $3,632.23
BOILING SPRINGS $3,630.43
MOUNT PLEASANT $3,629.84
ANDERSON $3,628.55
WHITMIRE $3,628.30
CLIFTON $3,627.73
LANDRUM $3,627.50
CONVERSE $3,625.97
DRAYTON $3,625.97
GLENDALE $3,624.17
TAYLORS $3,621.40
WELLFORD $3,620.94
GREENVILLE $3,618.37
COWPENS $3,618.35
IVA $3,617.93
GREENVILLE $3,616.84
DAUFUSKIE ISLAND $3,614.18
STARTEX $3,612.42
SHARON $3,607.34
BELTON $3,606.58
CLOVER $3,603.00
ARCADIA $3,600.24
WILLIAMSTON $3,599.86
SLATER $3,598.01
WARD $3,596.02
BLUFFTON $3,595.04
UNA $3,593.32
BEECH ISLAND $3,587.96
ROEBUCK $3,587.32
PIEDMONT $3,587.18
SILVERSTREET $3,586.55
SEABROOK $3,585.81
SHELDON $3,584.15
WINDSOR $3,580.61
BOWLING GREEN $3,580.13
MARIETTA $3,575.04
TRAVELERS REST $3,574.96
SPARTANBURG $3,574.21
DUE WEST $3,573.33
GREENVILLE $3,572.92
HONEA PATH $3,572.70
BEAUFORT $3,561.66
SMYRNA $3,561.35
KINARDS $3,558.31
CONESTEE $3,555.69
GREENVILLE $3,554.85
MOORE $3,554.70
RIDGE SPRING $3,553.62
BEAUFORT $3,552.70
HICKORY GROVE $3,548.37
FORT MILL $3,542.33
DUNCAN $3,540.79
OKATIE $3,539.50
LOBECO $3,537.21
EDGEFIELD $3,534.83
CLARKS HILL $3,527.09
MC CONNELLS $3,525.02
INMAN $3,524.64
MONETTA $3,522.90
CROSS ANCHOR $3,520.43
SALUDA $3,518.15
MC CORMICK $3,518.14
LADYS ISLAND $3,517.23
WOODRUFF $3,503.76
PELZER $3,502.88
ENOREE $3,497.46
GREER $3,496.84
NINETY SIX $3,491.31
GREER $3,491.09
ANDERSON $3,488.22
PORT ROYAL $3,487.36
PLUM BRANCH $3,487.35
NORTH AUGUSTA $3,480.96
AIKEN $3,480.11
BATH $3,478.42
CHAPPELLS $3,478.11
ROCK HILL $3,475.02
MAULDIN $3,470.37
ANDERSON $3,467.17
NORTH AUGUSTA $3,466.60
ROCK HILL $3,466.50
SIX MILE $3,461.81
WAGENER $3,461.56
FORT MILL $3,449.04
LIBERTY $3,447.09
DONALDS $3,439.91
MODOC $3,437.69
CLEVELAND $3,433.09
EASLEY $3,431.98
BRADLEY $3,429.69
GRANITEVILLE $3,425.60
MONTMORENCI $3,423.16
PICKENS $3,418.37
YORK $3,418.21
ROCK HILL $3,415.68
ANDERSON $3,414.84
FOUNTAIN INN $3,410.82
ABBEVILLE $3,410.56
HILTON HEAD ISLAND $3,406.51
WARE SHOALS $3,401.29
WARRENVILLE $3,400.37
CLINTON $3,393.15
SIMPSONVILLE $3,389.86
VAUCLUSE $3,388.66
JOHNSTON $3,387.15
AIKEN $3,381.80
CALHOUN FALLS $3,379.21
GLOVERVILLE $3,373.46
LA FRANCE $3,373.33
AIKEN $3,373.02
LOWNDESVILLE $3,371.88
NORRIS $3,369.05
JOANNA $3,359.15
TROY $3,358.51
HILTON HEAD ISLAND $3,358.20
NEW ELLENTON $3,357.60
EASLEY $3,356.53
SANDY SPRINGS $3,356.02
SIMPSONVILLE $3,354.24
MOUNT CARMEL $3,352.98
LONG CREEK $3,333.92
FAIR PLAY $3,323.71
MOUNTVILLE $3,320.32
GREENWOOD $3,307.52
PENDLETON $3,307.03
GRAY COURT $3,306.89
CROSS HILL $3,305.73
TOWNVILLE $3,300.97
SUNSET $3,297.56
CLEMSON $3,293.34
CLEMSON $3,284.03
HODGES $3,282.69
WESTMINSTER $3,282.69
TAMASSEE $3,281.99
LAURENS $3,274.83
GREENWOOD $3,265.18
MOUNTAIN REST $3,249.79
SENECA $3,243.62
WATERLOO $3,225.08
WEST UNION $3,217.19
SALEM $3,206.09
CLEMSON $3,197.43
WALHALLA $3,166.58
RICHLAND $3,155.03
NEWRY $3,149.62
CENTRAL $3,145.58
SENECA $3,115.58

Use the search feature in the table to search for your city and/or specific zip code.

Best South Carolina Car Insurance Companies

So many companies, so little time. And we know you want to find the one that is the best fit for you.

Read on and find out who the best providers are in South Carolina.

– The Largest Companies’ Financial Ratings

To best measure how a company is doing financially and what their financial strength is, there is something called the A.M. Best Financial Rating. 

Company A.M. Best Financial Rating
State Farm Mutual A++
Geico A++
Allstate A+
USAA A++
Progressive A+
Nationwide A+
Liberty Mutual A
Travelers Group A++
Southern Farm Bureau Casualty A+
Auto-Owners Group A++

If you would prefer to read customer reviews on companies and what customers had to say, then the next sections are the sections for you.

– Companies with Best Customer Ratings

J.D. Power and Associates gave a study to car insurance customers in multiple U.S. Regions in 2018 asking them:  how would you rank auto insurance companies?

When it comes to the Southeast Region states, where South Carolina falls, Farm Bureau Insurance – Tennessee has a rank of 8884 on a 1,000 point scale, which means customers consider it “among the best”.

jd power kentucky study

– Companies with Most Complaints in South Carolina

If a company has a lot of customer complaints, it might be worth checking into to see what the complaints are about.

Here is the most recent data, as found on the National Association of Insurance Commissioners website, one of the leading data authorities. The order on this list goes from most complaints to the least amount of complaints:

Company Number of Complaints in 2017
State Farm 1482
Geico 333
Allstate 163
USAA 296
Progressive 120
Nationwide 25
Liberty Mutual 222
Travelers Group 2
Southern Farm Bureau Casualty 3
Auto-Owners Group 31

– Cheapest Companies in South Carolina

Company Average
Allstate F&C $3,903.42
Bristol West Select $4,691.85
Geico Govt Employees $3,178.01
Nationwide Mutual Fire $3,625.49
Progressive Northern $4,573.08
State Farm Mutual Auto $3,071.34
USAA $3,424.76

If a reasonable price is what you are after, State Farm is the cheapest, on average, in South Carolina.

– Commute Rates by Companies

Company 10 Mile Commute Average Cost 25 Mile Commute Average Cost
Allstate $3,821.76 $3,985.09
Farmers $4,691.85 $4,691.85
Geico $3,160.90 $3,195.12
Nationwide $3,625.49 $3,625.49
Progressive $4,573.08 $4,573.08
State Farm $2,994.90 $3,147.78
USAA $3,388.56 $3,460.97

Whether you have a 10-mile commute or a 25-mile commute, State Farm offers the most reasonable rates for both. If you are looking to pay the same no matter the commute, Nationwide offers the same average annual price for both 10 and 25-mile commutes.

– Coverage Level Rates by Companies

Company High Coverage Medium Coverage Low Coverage
Allstate $4,147.71 $3,885.29 $3,677.28
Farmers $5,200.86 $4,688.90 $4,185.80
Geico $3,426.18 $3,146.50 $2,961.35
Nationwide $3,670.77 $3,627.10 $3,578.60
Progressive $4,975.38 $4,512.27 $4,231.59
State Farm $3,298.48 $3,070.05 $2,845.49
USAA $3,621.98 $3,419.89 $3,232.43

State Farm seems to be popular when it comes to certain categories. Whether you want high, medium, or low coverage, State Farm offers reasonable average annual rates.

– Credit History Rates by Companies

Company Good Credit Fair Credit Poor Credit
Allstate $3,113.11 $4,904.52 $4,904.52
Farmers $4,148.55 $3,692.64 $5,381.84
Geico $2,079.82 $4,545.16 $4,847.10
Nationwide $3,071.00 $2,607.11 $4,309.08
Progressive $4,164.27 $3,496.39 $5,090.67
State Farm $2,116.65 $4,464.31 $4,406.26
USAA $2,299.10 $2,691.12 $5,347.18

Geico offers the best annual rates for those with good credit ratings. Nationwide, if you have fair credit, will give you the best deals. If your credit is not that great, you will find the best rates, once again, at Nationwide.

– Driving Record Rates by Companies

No one driving record is perfect. Slip-ups happen, and the companies that are the most forgiving: Geico (cheapest rates for speeding violations and one accident on record) and State Farm (cheapest rates for one DUI on record),

Company Clean Driving Record One Accident on Record One DUI on Record One Speeding Violation on Record
Allstate $2,942.78 $4,662.04 $4,121.23 $3,887.64
Farmers $3,921.33 $5,418.24 $4,508.61 $4,919.23
Geico $2,429.04 $3,134.80 $4,719.15 $2,429.04
Nationwide $2,891.90 $3,727.79 $4,701.43 $3,180.84
Progressive $3,751.71 $5,451.21 $4,555.95 $4,533.45
State Farm $2,789.17 $3,416.22 $3,039.99 $3,039.99
USAA $2,706.69 $3,341.10 $4,618.87 $3,032.40

Geico also has the cheapest rates for a clean driving record.

The companies that are not as forgiving when it comes to rates:  Progressive (most expensive rates for one accident on record), Nationwide (most expensive rates for one DUI on record), and Farmers (most expensive rates for speeding violations).

Farmers is also the most expensive company for those who have a clean driving record.

– Largest Car Insurance Companies in South Carolina

Company Direct Premiums Written Market Share
State Farm $949,692 23.88%
Geico $523,217 13.16%
Allstate $473,094 11.90%
USAA $365,476 9.19%
Progressive $340,855 8.57%
Nationwide $283,086 7.12%
Liberty Mutual $206,434 5.19%
Travelers Group $176,219 4.43%
Southern Farm Bureau Casualty $134,639 3.39%
Auto-Owners Group $68,469 1.72%

– Number of Insurers by State

When it comes to the difference between domestic and foreign insurers, the difference comes down to whether you want to put your stock in something local or something available nationwide.

Domestic means that the insurer is a local company only available in the state of South Carolina, while foreign means a company that is available in multiple states.

There are 19 domestic insurers and 993 foreign insurers in South Carolina.

South Carolina Laws

So many laws, so little time, and so much legalese.

We break it down and make it easy for you to understand the different laws in South Carolina.

– Car Insurance Laws

You can read up on the laws, and then read further to get the laws of South Carolina in further detail.

– How State Laws for Insurance are Determined

The South Carolina Department of Insurance is the main regulator for the insurance industry in the state of South Carolina. Through them, you can deal with issues like insurance fraud and ask them any insurance-related questions you may have.

– Windshield & Glass Repair Laws

Good news. In South Carolina, according to Car Windshields, “There is no deductible for windshields for private passenger vehicles if you have comprehensive insurance.”

It might be worth it, to you, to get comprehensive insurance for this reason alone.

– High-Risk Insurance

The high-risk insurance plan in South Carolina is the South Carolina Automobile Insurance Plan.

Click on the link above to get more information.

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– Low-Cost Insurance

South Carolina does not have a mandated low-cost auto insurance program, but you can ask your insurance provider if they provide any kind of discounts.

– Automobile Insurance Fraud in South Carolina

In 2016, South Carolina came in seventh in the nation when it came to state accidents and was at the top of both the list of states when it came to the least amount of money spent to fight insurance fraud. However, South Carolina is taking steps to make sure insurance fraud is combatted.

In South Carolina, the penalties for insurance fraud vary depending on the amount of money involved in the fraud, and also whether it was your first or subsequent offense.

For first offenses, the penalties are as follows:

  • Less than $1,000:  Misdemeanor, $100 to $500 fine, and up to 30 days in prison.
  • $1,000 to $10,000:  Misdemeanor, $2,000 to $10,00 fine, and up to 3 years in prison.
  • $10,000 or $50,000:  Felony, $10,000 to $50,00 fine, and up to 5 years in prison.
  • $50,000 or more:  Felony, $20,000 to $100,00 fine, and up to 10 years in prison.

For subsequent offenses, the penalty is as follows:

  • All amounts:  Felony, $20,000 to $100,000 fine, up to 10 years in prison.

If you feel you are the victim of insurance fraud, go here to find out how to report it.

– The Statute of Limitations in South Carolina

The statute of limitations is an amount of time that you or the other party have to file charges. It is a form of protection for both you and the other party by giving each of you a set amount of time. Once that time limit passes, no one can file charges.

In South Carolina, the statute of limitations is three years for a personal injury case and a property damage case.

– South Carolina Specific Laws

There are some interesting and strange driving laws in the state of South Carolina.

– South Carolina’s Vehicle Licensing Laws

To drive a car in South Carolina, you will need a license.

Keep on reading to find out more about this and about the rules of the road.

– South Carolina  REAL ID

Starting October 1, 2020, federal agencies will endorse what is known as the REAL ID Act, which requires you to have a REAL ID U.S. Passport or another federally approved ID to board flights or enter federal buildings.

South Carolina does not require a REAL ID to drive, but it is recommended if you fly domestically, or if you work in federal buildings.

South Carolina REAL ID. From the South Carolina DMV website.

How do you get a REAL ID?

Go to the South Carolina DMV website. You can check to see if you are eligible to buy a REAL ID on their website; otherwise, you have to go to your local DMV office.

– Penalties for Driving Without Insurance

Just because South Carolina has an Uninsured Motorist Fee, that does not mean you can get away with not having auto insurance.

Remember, the Uninsured Motorist Fee is only if you are eligible.

If you are ineligible for the Uninsured Motorist Fee and you are caught driving without insurance, you will pay the price.

  • First offense: $100-$200 fine and up to 30 days in prison.
  • Second offense:  $200 fine and up to 30 days in prison.
  • Third and subsequent offenses:  $5 fee for every day without insurance and 45 days to six months in prison.

For each offense, a $5 fee for every day without insurance is assessed, along with the suspension of your license and registration. You will also have to pay a $200 reinstatement fee and file an SR-22 with the state of South Carolina for three years from the date of conviction.

Have the required insurance and/or forms of financial responsibility in your vehicle at all times.

– Teen Driver Laws

South Carolina, along with other states, practice a graduated driving system. To be able to drive and get a license in South Carolina, you have to be 15 and a half years of age.

You also have a holding period of six months and need supervised driving time equal to 40 hours, 10 of which has to be at night.

You cannot drive between 6 p.m. and 6 a.m. When it is Daylight Savings Time, you cannot drive between 8 p.m. and 6 a.m.

Also, no more than two passengers under the age of 21, unless transporting students to and from school. The restrictions lift 12 months after you have had your license.

– Older Driver License Renewal Procedures

The rules for older drivers and license renewal are straightforward, according to the Insurance Institute for Highway Safety.

  • Older Population License Renewal:  you can renew every eight years.
  • Proof of vision required:  every renewal, no matter your age.
  • Mail or online renewal permitted:  yes, no matter your age.

– New Residents

If you are moving to South Carolina from another state, you will need to get a South Carolina driver’s license and transfer your vehicle title and registration.

To find out, in detail, what you need to do, go here. You must follow all steps carefully to be able to drive in South Carolina.

– License Renewal Procedures

You can renew your license every eight years. It expires on the eighth year, on your birthday.

You can also renew your valid South Carolina driver’s license up to nine months after it expires, either online or by going to the South Carolina DMV.

– Rules of the Road

If you know the rules of the road, you will be a safer driver.

Read on to find out the rules of the road in South Carolina

– Fault vs. No-Fault

Remember, South Carolina is an at-fault state. This means the person who was at fault in the accident is the one who has to pay for any damage or injuries.

– Seat Belts and Car Seat Laws

Seat belts are required for the driver and all passengers age 6 and older.

Any child younger than two years old must be in a rear-facing seat; children two years and older must be in a forward-facing restraint. Children four years and older, when they outgrow the restraint, must be in a belt-positioning booster until the child is eight years or older.

Riding in the cargo area of a pickup truck is not permitted for persons under age 15 unless an adult is present.

– Keep Right and Move Over Laws

In South Carolina, the laws are as follows according to AAA:

State law requires drivers to reduce speed and, if safe to do so, vacate the lane closest to stationary emergency vehicles, including tow trucks and recovery vehicles.

You need to keep right if you are driving slower than the average speed of the traffic around you.

– Speed Limits

In South Carolina, the speed limit is 70 miles per hour on rural interstates and urban interstates, 60 miles per hour on other limited access roads, and 55 miles per hour on all other roads.

– Ridesharing

There are no specific state ridesharing services, but companies such as Uber and Lyft are nationwide. Check into those services to find out more.

– Automation on the Road

As of May 2017, legislation has been passed for automated vehicles in South Carolina.

– Safety Laws

It is important to know the laws in South Carolina so that you can be a safe and responsible driver.

Here are the safety laws in South Carolina in regards to DUI, marijuana, and distracted driving.

– DUI Laws

South Carolina does not let anyone drive while in an impaired state, no matter whether you’re under the influence of drugs or alcohol.

If you have a BAC of .08 percent or more, you are considered under the influence.

South Carolina defines under the influence as “being impaired to an extent that the person’s faculties to drive a motor vehicle are materially and appreciably impaired.”

  • First offense:  48 hours to one year in jail. $400 to $1,000 fine, and license revoked for up to six months.
  • Second offense:  five days to three years in jail. $2,100 to $6,500 fine, and two years with an installed ignition interlock device.
  • Third offense:  60 days to five years of jail time. $3,800 to $10,000 fine, and three years with an installed ignition interlock device.

If an officer stops you on suspicion of a DUI, you give implied consent, or what is called per se consent, for him or her to test you.

Other things to know:

  • Every conviction requires you to enroll in an Alcohol and Drug Safety Action Program.
  • First-time offenders can be eligible to do community service instead of serving any jail time.
  • A BAC of .15 percent or more faces an additional one, two, and three-month suspension for a first, second, and third offense.

– Marijuana-Impaired Driving Laws

No laws have been passed in South Carolina for marijuana usage. However, on June 2, 2014, “Julian’s Law” was passed by Governor Nikki Halley, “allowing patients diagnosed with severe forms of epilepsy to use cannabis oil derived from the cannabinoid ‘Cannabidiol’ (CBD).”

Also,  Bill S 212, proposed on January 10, 2017, would allow for the legal use of medical marijuana, if passed.

Marijuana use of any kind, however, is illegal in South Carolina, and South Carolina statutes “are generally more restrictive than other state marijuana laws”, where “possession of even small amounts of marijuana remains illegal under federal law.”

The possession of marijuana carries the following penalties:

  • First offense:  misdemeanor: up to 6 mos. in prison, and/or $1000 fine.
  • Subsequent offense: misdemeanor, 1 yr. in prison and/or $2000 fine.

– Distracted Driving Laws

Texting while driving is illegal in South Carolina.

South Carolina was the 49th state to ban texting while driving.

The maximum fine that can be imposed for texting while driving is $50. There is no handheld ban.

Now, if you cause an accident due to texting while driving, and the other party dies, you could be imprisoned for up to five years due to criminal recklessness.

Interesting fact:  In Greenville, you can’t hold your phone while driving, even if you are not using it. The fine for doing this is $100.

Driving in South Carolina

It is important to be aware of common dangers in South Carolina that you might face as a driver.

Here we will uncover the kinds of dangers you might face as a driver on the roads in South Carolina.

– Vehicle Theft in South Carolina

Type of Vehicle Year Vehicle was Made Number of Vehicles Stolen
Ford Pickup (Full Size) 2006 586
Honda Accord 1996 458
Chevrolet Pickup (Full Size) 2004 455
Ford Crown Victoria 2003 210
Toyota Camry 2014 183
Honda Civic 2000 176
Dodge Pickup (Full Size) 2001 172
Chevrolet Impala 2008 166
Nissan Altima 2015 155
Ford Explorer 2002 146

The information listed above is as of 2015 from the National Insurance Crime Bureau. 

When it comes to the number of vehicles stolen by city in South Carolina, Columbia comes in first. Not the kind of first place anyone wants to be in.

City Motor
vehicle
theft
Abbeville 9
Aiken 97
Allendale 4
Andrews 6
Atlantic Beach 0
Aynor 5
Bamberg 5
Barnwell 11
Batesburg-Leesville 9
Beaufort 28
Belton 27
Bennettsville 17
Bishopville 7
Blacksburg 9
Blackville 2
Bluffton 11
Branchville 3
Briarcliffe Acres 0
Burnettown 6
Camden 17
Cameron 0
Campobello 2
Cayce 96
Chapin 0
Charleston 261
Cheraw 11
Chesnee 2
Chester 11
Chesterfield 1
Clemson 97
Clinton 19
Clover 6
Columbia 903
Conway 73
Cottageville 0
Coward 1
Cowpens 4
Darlington 15
Denmark 11
Dillon 22
Due West 0
Duncan 5
Easley 59
Edgefield 3
Edisto Beach 0
Ehrhardt 0
Elgin 1
Elloree 0
Estill 1
Eutawville 0
Florence 130
Forest Acres 53
Fort Lawn 2
Fort Mill 10
Fountain Inn 13
Gaffney 26
Gaston 4
Georgetown 15
Gifford 0
Goose Creek 46
Great Falls 3
Greeleyville 0
Greenville 198
Greer 56
Hampton 7
Hanahan 37
Hardeeville 18
Harleyville 0
Hartsville 27
Hemingway 1
Holly Hill 1
Honea Path 27
Inman 2
Irmo 20
Isle of Palms 7
Iva 3
Jackson 4
Jamestown 0
Johnsonville 1
Johnston 3
Jonesville 1
Kingstree 14
Lake City 32
Lamar 1
Landrum 5
Lane 0
Latta 8
Lexington 21
Liberty 6
Loris 15
Lyman 3
Manning 10
Marion 30
Mauldin 46
McBee 0
McColl 3
McCormick 4
Moncks Corner 15
Mount Pleasant 64
Mullins 18
Myrtle Beach 371
Newberry 6
New Ellenton 7
Nichols 0
Ninety Six 4
North 2
North Augusta 44
North Charleston 645
North Myrtle Beach 115
Olanta 0
Orangeburg 59
Pacolet 4
Pageland 6
Pelion 4
Perry 0
Pickens 9
Pine Ridge 2
Port Royal 23
Prosperity 0
Quinby 0
Ridgeland 9
Ridge Spring 0
Rock Hill 154
Salem 0
Saluda 5
Santee 3
Scranton 0
Seneca 12
Simpsonville 47
Society Hill 0
South Congaree 5
Springdale 19
Springfield 1
St. George 9
St. Matthews 2
St. Stephen 6
Sullivans Island 0
Summerton 5
Summerville 105
Sumter 60
Surfside Beach 23
Swansea 3
Tega Cay 1
Travelers Rest 11
Turbeville 3
Union 10
Wagener 2
Walhalla 5
Walterboro 21
Ware Shoals 3
Wellford 3
Westminster 4
West Pelzer 7
West Union 0
Whitmire 2
Williamston 15
Williston 9
Winnsboro 8
Woodruff 10
York 11

The information listed above is as of 2016 from the FBI Criminal Justice Information Services Division.

– Road Fatalities in South Carolina

– Fatal Crashes by Weather Condition and Light Condition

Weather and time of day can contribute to treacherous driving conditions.

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 376 94 326 31 0 827
Rain 32 8 42 6 0 88
Snow/Sleet 1 0 0 0 0 1
Other 2 1 2 3 0 8
Unknown 0 0 0 0 0 0

In South Carolina, most crashes tend to happen during the day under normal conditions. The second time crashes most occur is in the dark, under normal conditions.

– Fatalities (All Crashes) by County

County 2013 2014 2015 2016 2017
Abbeville 7 6 6 4 8
Aiken 25 23 26 37 39
Allendale 4 3 4 2 4
Anderson 33 45 32 57 44
Bamberg 4 2 4 7 4
Barnwell 4 6 5 5 8
Beaufort 13 23 17 30 26
Berkeley 27 40 36 34 34
Calhoun 7 12 10 10 7
Charleston 44 47 64 54 71
Cherokee 9 15 17 5 20
Chester 10 9 17 18 15
Chesterfield 12 3 16 9 12
Clarendon 11 10 17 21 19
Colleton 13 17 21 24 18
Darlington 18 13 25 24 15
Dillon 7 14 7 11 9
Dorchester 17 16 32 32 17
Edgefield 0 3 2 3 4
Fairfield 8 8 7 10 13
Florence 31 23 38 29 32
Georgetown 13 7 18 6 15
Greenville 71 62 73 87 74
Greenwood 6 7 11 12 10
Hampton 3 5 7 1 4
Horry 55 58 81 70 67
Jasper 8 15 15 25 11
Kershaw 17 13 18 18 19
Lancaster 5 16 15 14 18
Laurens 11 24 22 21 29
Lee 4 6 8 5 5
Lexington 39 35 46 43 47
Marion 8 9 11 9 8
Marlboro 4 13 9 9 8
Mccormick 1 4 3 4 4
Newberry 7 4 7 6 7
Oconee 3 13 13 11 18
Orangeburg 34 28 31 30 28
Pickens 14 13 16 19 20
Richland 63 41 45 69 52
Saluda 5 6 0 1 7
Spartanburg 33 39 75 54 51
Sumter 17 26 20 20 18
Union 3 5 6 7 6
Williamsburg 16 11 8 17 15
York 23 25 18 36 28

This shows the fatalities over the course of five years, with data from the NHTSA.

– Traffic Fatalities: Rural vs. Urban

  2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Rural 878 878 611 694 748 614 570 555 613 687
Urban 43 16 198 134 115 153 253 424 407 301

This shows the fatalities over the course of 10 years.

Interestingly, rural areas have a lot more traffic fatalities than in urban areas.

– Fatalities by Person Type

Type of Person 2013 2014 2015 2016 2017
Passenger Car 268 327 358 367 375
Light Truck - Pickup 110 118 105 118 116
Light Truck - Utility 94 106 121 118 133
Light Truck - Van 16 15 34 30 18
Large Truck 10 10 24 17 17
Bus 1 0 1 1 1
Light Truck - Other 0 1 0 3 2
Pedestrian 100 107 123 144 154
Bicyclist and Other Cyclist 15 14 16 25 18

This shows the fatalities over the course of five years.

Passenger cars and light pick-ups, along with pedestrians, have a high rate of fatalities in this five-year timespan.

– Fatalities by Crash Type

Crash Type 2013 2014 2015 2016 2017
Single Vehicle 476 503 527 575 569
Large Truck 64 63 114 104 90
Speeding 305 307 366 393 416
Rollover 190 194 208 215 234
Roadway Departure 473 501 541 568 575
Intersection 141 150 200 233 173

This shows the fatalities over the course of five years.

A large number of crashes have to do with roadway departures in this five-year timespan.

– Five-Year Trend for the Top 10 Counties

County 2013 2014 2015 2016 2017
Greenville County 71 62 73 87 74
Charleston County 44 47 64 54 71
Horry County 55 58 81 70 67
Richland County 63 41 45 69 52
Spartanburg County 33 39 75 54 51
Lexington County 39 35 46 43 47
Anderson County 33 45 32 57 44
Aiken County 25 23 26 37 39
Berkeley County 27 40 36 34 34
Florence County 31 23 38 29 32

– Fatalities Involving Speeding by County

County 2013 2014 2015 2016 2017
Abbeville 4 1 2 4 6
Aiken 9 7 7 20 20
Allendale 2 1 1 0 0
Anderson 10 15 13 21 17
Bamberg 1 1 3 2 0
Barnwell 1 4 3 2 3
Beaufort 3 8 8 6 10
Berkeley 11 16 12 15 15
Calhoun 1 4 5 4 6
Charleston 12 18 23 19 26
Cherokee 4 9 7 3 7
Chester 6 3 9 7 3
Chesterfield 3 1 5 3 6
Clarendon 4 6 7 10 12
Colleton 5 7 6 7 7
Darlington 11 9 10 13 8
Dillon 2 10 4 6 7
Dorchester 5 8 9 11 8
Edgefield 0 1 0 2 4
Fairfield 6 1 3 5 5
Florence 11 6 21 12 13
Georgetown 5 4 5 2 6
Greenville 24 15 14 22 14
Greenwood 5 4 5 5 4
Hampton 3 1 2 0 1
Horry 20 16 21 15 26
Jasper 3 4 7 13 6
Kershaw 9 4 9 7 7
Lancaster 2 8 3 4 5
Laurens 5 12 15 16 17
Lee 1 0 3 3 3
Lexington 18 10 13 14 16
Marion 3 2 7 4 5
Marlboro 1 7 6 3 6
Mccormick 0 1 1 3 1
Newberry 3 2 7 1 6
Oconee 3 4 5 2 8
Orangeburg 12 6 13 15 16
Pickens 8 8 4 5 12
Richland 26 18 14 29 23
Saluda 0 2 0 1 2
Spartanburg 10 16 35 15 21
Sumter 9 10 5 9 9
Union 1 5 5 7 4
Williamsburg 10 4 3 10 6
York 13 8 6 16 9

– Fatalities Involving Alcohol-Impaired Driving by County

County 2013 2014 2015 2016 2017
Abbeville 3 2 2 1 0
Aiken 14 9 10 13 8
Allendale 2 1 0 0 1
Anderson 13 19 8 14 20
Bamberg 1 2 2 1 0
Barnwell 0 1 4 3 4
Beaufort 7 10 3 10 8
Berkeley 13 14 10 12 11
Calhoun 2 4 2 2 2
Charleston 19 24 15 21 18
Cherokee 3 6 4 1 7
Chester 6 3 3 8 7
Chesterfield 4 2 9 3 4
Clarendon 5 3 6 6 5
Colleton 3 7 10 8 6
Darlington 10 3 10 9 4
Dillon 2 6 2 5 2
Dorchester 8 5 11 8 7
Edgefield 0 2 0 1 0
Fairfield 5 7 0 5 3
Florence 9 11 10 11 15
Georgetown 5 4 4 0 3
Greenville 35 22 24 26 21
Greenwood 2 4 6 3 5
Hampton 2 2 2 0 0
Horry 23 27 23 19 18
Jasper 3 2 3 6 3
Kershaw 12 5 5 8 6
Lancaster 2 5 4 5 4
Laurens 6 6 5 8 11
Lee 3 1 6 3 3
Lexington 21 16 22 20 21
Marion 3 3 4 3 1
Marlboro 1 4 1 1 1
Mccormick 0 4 0 2 0
Newberry 3 2 1 3 3
Oconee 1 4 4 4 7
Orangeburg 18 10 9 11 11
Pickens 5 8 7 3 8
Richland 28 18 16 24 16
Saluda 1 3 0 1 1
Spartanburg 11 19 24 17 14
Sumter 10 12 4 10 6
Union 0 1 4 1 2
Williamsburg 7 3 2 11 4
York 11 8 7 11 13

– Teen Drinking and Driving

Underage drinking causes more harm than good.

And in South Carolina, underage drinking causes many health issues. 

Here are the facts when it comes to underage drinking in South Carolina:

  • Each year, 85 South Carolina teens die from alcohol use.
  • Underage drinking costs $1 billion per year, which is $2,309 for each teen in the state.
  • 71 percent of high schoolers in South Carolina have tried alcohol.
  • 35 percent of the above students had their first drink before age 13.
  • 40 percent of high schoolers drank alcohol in the past month.
  • Teens under 21 consumed 12 percent of the alcohol in South Carolina in 2010.
  • Liquor is the drink of choice among high school students.
  • One in nine students has driven while drunk in the past month.

When it comes to other statistics due to underage drinking:

  • 1.8 deaths per 100,000 residents. This is above the national average of 1.2.
  • 90 DWI arrests in the under 21 group, which makes South Carolina 26th in the nation when it comes to these types of arrests.

Talk to your children about the dangers of underage drinking and drunk driving. Talk. They Hear You. 

– EMS Response Time:  Rural vs. Urban

There is no data available at this time for EMS Response times in Rural and Urban areas in South Carolina. Once this data is available, we will make sure to update this.

– Transportation

If you live in South Carolina, most likely you live in a two-car household, drive alone to work, and spend little time commuting!

The information that follows is from Data USA.

– Car Ownership

Most people in South Carolina live in a two-car household.

– Commute Time

With an average commute time of 23.4 minutes, South Carolina is under the national average of 25.2 minutes.

1.85 percent of South Carolinians report a super-commute, which is spending 90 minutes or more of your time commuting.

– Commuter Transportation

81.8 percent of the workforce report driving in to work alone. 9.49 percent carpool, and 4.66 percent work at home.

– Traffic Congestion in South Carolina

When it comes to the major lists:  the TomTom Index lists two cities in South Carolina as being traffic congested:  Greenville and Columbia.

In Greenville, there has been a 4 percent increase in travel time since 2018. This is equal to 21 extra minutes a day, and 80 extra hours a year.

Travel time in the mornings is increased by 26 percent and in the evenings by 40 percent. On highways, travel time is increased by 8 percent, and on non-highways by 23 percent.

In Columbia, there has been a 2 percent increase in travel time since 2018. This is equal to 15 extra minutes a day, and 59 extra hours a year.

Travel time in the mornings is increased by 18 percent and in the evenings by 32 percent. On highways, travel time is increased by 7 percent, and on non-highways by 24 percent.

What is it like to drive in Greenville and in Columbia?

See for yourself.

We hope this guide about car insurance in South Carolina has helped you.

Don’t waste another minute. Start comparison shopping car insurance rates today.

References:
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