South Carolina Auto Insurance [Rates + Cheap Coverage Guide]

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South Carolina Stats 
Miles of Roadway76,301
Vehicles Registered3,902,945
Population5,084,127
Most Popular VehicleF150
Uninsured % / Underinsured %9.40%
Total Driving Related DeathsSpeeding: 416
DUI: 313
Full Coverage Average PremiumsLiability: $527.09
Collision: $265.07
Comprehensive: $180.94
Cheapest ProviderState 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 bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $25,000 for property damage per accident.

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 Coverage73.79
% Uninsured and Rank9.4% (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:

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 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

ZipcodeAverage
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

CityAverage
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. 

CompanyA.M. Best Financial Rating
State Farm MutualA++
GeicoA++
AllstateA+
USAAA++
ProgressiveA+
NationwideA+
Liberty MutualA
Travelers GroupA++
Southern Farm Bureau CasualtyA+
Auto-Owners GroupA++

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:

CompanyNumber of Complaints in 2017
State Farm1482
Geico333
Allstate163
USAA296
Progressive120
Nationwide25
Liberty Mutual222
Travelers Group2
Southern Farm Bureau Casualty3
Auto-Owners Group31

– Cheapest Companies in South Carolina

CompanyAverage
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

Company10 Mile Commute Average Cost25 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

CompanyHigh CoverageMedium CoverageLow 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

CompanyGood CreditFair CreditPoor 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),

CompanyClean Driving RecordOne Accident on RecordOne DUI on RecordOne 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

CompanyDirect Premiums WrittenMarket Share
State Farm$949,69223.88%
Geico$523,21713.16%
Allstate$473,09411.90%
USAA$365,4769.19%
Progressive$340,8558.57%
Nationwide$283,0867.12%
Liberty Mutual$206,4345.19%
Travelers Group$176,2194.43%
Southern Farm Bureau Casualty$134,6393.39%
Auto-Owners Group$68,4691.72%

– Number of Insurers by State

When it comes to the difference between domestic and foreign insurers, the difference where the home office is located.

Domestic simply means that the insurer is a local company whose home office is located in the state of South Carolina, while foreign means a company whose home office located in another state.

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 VehicleYear Vehicle was MadeNumber of Vehicles Stolen
Ford Pickup (Full Size)2006586
Honda Accord1996458
Chevrolet Pickup (Full Size)2004455
Ford Crown Victoria2003210
Toyota Camry2014183
Honda Civic2000176
Dodge Pickup (Full Size)2001172
Chevrolet Impala2008166
Nissan Altima2015155
Ford Explorer2002146

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.

CityMotor
vehicle
theft
Abbeville9
Aiken97
Allendale4
Andrews6
Atlantic Beach0
Aynor5
Bamberg5
Barnwell11
Batesburg-Leesville9
Beaufort28
Belton27
Bennettsville17
Bishopville7
Blacksburg9
Blackville2
Bluffton11
Branchville3
Briarcliffe Acres0
Burnettown6
Camden17
Cameron0
Campobello2
Cayce96
Chapin0
Charleston261
Cheraw11
Chesnee2
Chester11
Chesterfield1
Clemson97
Clinton19
Clover6
Columbia903
Conway73
Cottageville0
Coward1
Cowpens4
Darlington15
Denmark11
Dillon22
Due West0
Duncan5
Easley59
Edgefield3
Edisto Beach0
Ehrhardt0
Elgin1
Elloree0
Estill1
Eutawville0
Florence130
Forest Acres53
Fort Lawn2
Fort Mill10
Fountain Inn13
Gaffney26
Gaston4
Georgetown15
Gifford0
Goose Creek46
Great Falls3
Greeleyville0
Greenville198
Greer56
Hampton7
Hanahan37
Hardeeville18
Harleyville0
Hartsville27
Hemingway1
Holly Hill1
Honea Path27
Inman2
Irmo20
Isle of Palms7
Iva3
Jackson4
Jamestown0
Johnsonville1
Johnston3
Jonesville1
Kingstree14
Lake City32
Lamar1
Landrum5
Lane0
Latta8
Lexington21
Liberty6
Loris15
Lyman3
Manning10
Marion30
Mauldin46
McBee0
McColl3
McCormick4
Moncks Corner15
Mount Pleasant64
Mullins18
Myrtle Beach371
Newberry6
New Ellenton7
Nichols0
Ninety Six4
North2
North Augusta44
North Charleston645
North Myrtle Beach115
Olanta0
Orangeburg59
Pacolet4
Pageland6
Pelion4
Perry0
Pickens9
Pine Ridge2
Port Royal23
Prosperity0
Quinby0
Ridgeland9
Ridge Spring0
Rock Hill154
Salem0
Saluda5
Santee3
Scranton0
Seneca12
Simpsonville47
Society Hill0
South Congaree5
Springdale19
Springfield1
St. George9
St. Matthews2
St. Stephen6
Sullivans Island0
Summerton5
Summerville105
Sumter60
Surfside Beach23
Swansea3
Tega Cay1
Travelers Rest11
Turbeville3
Union10
Wagener2
Walhalla5
Walterboro21
Ware Shoals3
Wellford3
Westminster4
West Pelzer7
West Union0
Whitmire2
Williamston15
Williston9
Winnsboro8
Woodruff10
York11

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 ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal37694326310827
Rain328426088
Snow/Sleet100001
Other212308
Unknown000000

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

County20132014201520162017
Abbeville76648
Aiken2523263739
Allendale43424
Anderson3345325744
Bamberg42474
Barnwell46558
Beaufort1323173026
Berkeley2740363434
Calhoun71210107
Charleston4447645471
Cherokee91517520
Chester109171815
Chesterfield12316912
Clarendon1110172119
Colleton1317212418
Darlington1813252415
Dillon7147119
Dorchester1716323217
Edgefield03234
Fairfield8871013
Florence3123382932
Georgetown13718615
Greenville7162738774
Greenwood67111210
Hampton35714
Horry5558817067
Jasper815152511
Kershaw1713181819
Lancaster516151418
Laurens1124222129
Lee46855
Lexington3935464347
Marion891198
Marlboro413998
Mccormick14344
Newberry74767
Oconee313131118
Orangeburg3428313028
Pickens1413161920
Richland6341456952
Saluda56017
Spartanburg3339755451
Sumter1726202018
Union35676
Williamsburg161181715
York2325183628

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

– Traffic Fatalities: Rural vs. Urban

 2008200920102011201220132014201520162017
Rural878878611694748614570555613687
Urban4316198134115153253424407301

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 Person20132014201520162017
Passenger Car268327358367375
Light Truck - Pickup110118105118116
Light Truck - Utility94106121118133
Light Truck - Van1615343018
Large Truck1010241717
Bus10111
Light Truck - Other01032
Pedestrian100107123144154
Bicyclist and Other Cyclist1514162518

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 Type20132014201520162017
Single Vehicle476503527575569
Large Truck646311410490
Speeding305307366393416
Rollover190194208215234
Roadway Departure473501541568575
Intersection141150200233173

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

County20132014201520162017
Greenville County7162738774
Charleston County4447645471
Horry County5558817067
Richland County6341456952
Spartanburg County3339755451
Lexington County3935464347
Anderson County3345325744
Aiken County2523263739
Berkeley County2740363434
Florence County3123382932

– Fatalities Involving Speeding by County

County20132014201520162017
Abbeville41246
Aiken9772020
Allendale21100
Anderson1015132117
Bamberg11320
Barnwell14323
Beaufort388610
Berkeley1116121515
Calhoun14546
Charleston1218231926
Cherokee49737
Chester63973
Chesterfield31536
Clarendon4671012
Colleton57677
Darlington11910138
Dillon210467
Dorchester589118
Edgefield01024
Fairfield61355
Florence116211213
Georgetown54526
Greenville2415142214
Greenwood54554
Hampton31201
Horry2016211526
Jasper347136
Kershaw94977
Lancaster28345
Laurens512151617
Lee10333
Lexington1810131416
Marion32745
Marlboro17636
Mccormick01131
Newberry32716
Oconee34528
Orangeburg126131516
Pickens884512
Richland2618142923
Saluda02012
Spartanburg1016351521
Sumter910599
Union15574
Williamsburg1043106
York1386169

– Fatalities Involving Alcohol-Impaired Driving by County

County20132014201520162017
Abbeville32210
Aiken14910138
Allendale21001
Anderson131981420
Bamberg12210
Barnwell01434
Beaufort7103108
Berkeley1314101211
Calhoun24222
Charleston1924152118
Cherokee36417
Chester63387
Chesterfield42934
Clarendon53665
Colleton371086
Darlington1031094
Dillon26252
Dorchester851187
Edgefield02010
Fairfield57053
Florence911101115
Georgetown54403
Greenville3522242621
Greenwood24635
Hampton22200
Horry2327231918
Jasper32363
Kershaw125586
Lancaster25454
Laurens665811
Lee31633
Lexington2116222021
Marion33431
Marlboro14111
Mccormick04020
Newberry32133
Oconee14447
Orangeburg181091111
Pickens58738
Richland2818162416
Saluda13011
Spartanburg1119241714
Sumter10124106
Union01412
Williamsburg732114
York11871113

– 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:

  1. https://www.darlingtonraceway.com/
  2. http://www.carolinamotorsportspark.com/
  3. https://www.myrtlebeachspeedway.com/
  4. https://www.cars.com/research/bmw-760/
  5. https://www.iii.org
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  27. https://www.marijuanadoctors.com/pending-legalization/sc/
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  34. http://www.tomtom.com

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