Best Car Insurance in South Carolina for 2025 [Compare the Top 10 Companies Here!]

Progressive, Allstate, and Nationwide offer some of the best car insurance in South Carolina, with Progressive standing out as the top pick for its low rates and solid coverage. Progressive keeps costs down while offering flexible options, making it a great fit for many drivers.

Allstate providess valuable discount, while Nationwide balances affordability with strong policy features. These three companies make finding coverage that fits your needs and budget easier.

Our Top 10 Company Picks: Best Car Insurance in South Carolina

These best car insurance companies provide excellent value with a mix of affordability, service, and coverage options.  Whether after the lowest price or the best value, this list helps you find the right fit. Ready to find affordable car insurance? Use our free comparison tool to get started.

#1 – Progressive: Best for Affordable Rates and Flexible Coverage

Pros

• Set Your Budget: The Name Your Price tool helps you customize a plan that works for you.
• Trusted Choice: Progressive car insurance has an A+ rating from A.M. Best, so you know they’re solid.
• Budget-Friendly Rates: Some of the best car insurance in South Carolina, with minimum coverage starting around $60 a month.

Cons

• Lower Bundle Savings: Bundling only knocks off up to 10%, which isn’t as high as some competitors.
• Fewer Local Agents: If you prefer in-person help, finding a nearby agent might be tricky.

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#2 – Allstate: Best for Discounts and Policy Perks

Pros

• Build Your Plan: Allstate offers add-ons like accident forgiveness and new car replacement, letting you customize your coverage.
• Rewards for Safe Drivers: With Drivewise, you can earn discounts and cashback to practice good driving habits.
• Plenty of Local Agents: Finding help is easy since Allstate has many agents throughout South Carolina for in-person support.

Cons

• Pricier Than Some: Allstate’s rates are higher than those of many other best car insurance options in South Carolina.
• Claims Can Be Slow: Some drivers report delays and extra steps when processing a claim.

#3 – Nationwide: Best for Balanced Coverage 

Pros

• Customizable Coverage: Nationwide car insurance offers add-ons like accident forgiveness and vanishing deductibles to tailor your policy.
• SmartRide Discounts: Safe drivers can save big with this usage-based program.
• Strong Local Presence: Many agents across South Carolina make in-person support easy to find.

Cons

• Higher Rates for Some: Premiums can be expensive, especially for high-risk drivers.
• Limited Availability: The discount program isn’t available to everyone in South Carolina.

#4 – American Family: Best for Customer Satisfaction

Pros

• Plenty of Coverage Options: Offers add-ons like accident forgiveness and roadside assistance to customize your policy.
• Safe Driving Discounts: The Know Your Drive program helps lower rates for good tips for driving habits.
• Highly Rated Customer Service: The American Family gets solid reviews for handling claims and customer support.

Cons

• Limited Availability: There are fewer agents in South Carolina than larger insurers.
• Higher Premiums for Some: Rates can be pricier than other best car insurance options in South Carolina, especially for high-risk drivers.

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#5 – Liberty Mutual: Best for Customizable Coverage

Pros

• Lots of Coverage Choices: Offers extras like new car replacement and accident forgiveness to customize your policy.
• Save Based on Mileage: The Right Track program rewards low-mileage and safe drivers with discounts.
• 24/7 Claims Support: Easily file claims anytime, making the process more convenient

Cons

• Can Be Pricey: Rates are often higher than other best car insurance options in South Carolina.
• Inconsistent Claims Experience: Some customers report delays or unexpected rate hikes after filing claims.

#6 – Travelers: Best for Safe Drivers and Multi-Policy Savings

Pros

• Plenty of Coverage Options: Offers extras like accident forgiveness and gap insurance for more protection.
• Good Discount Variety: Save with multi-policy bundling, safe driving, and hybrid/electric car discounts.
• Strong Financial Backing: Travelers has a solid reputation and high ratings for financial stability.

Cons

• Higher Rates for Some: Premiums can be expensive, especially for high-risk drivers in South Carolina.
• Limited Local Agents: Travelers doesn’t have as many in-person agents as some competitors.

#7 – Farmers: Best for Strong Coverage Options

Pros

• Lots of Customization: Offers add-ons like accident forgiveness and new car replacement to tailor your policy.
• Solid Discount Options: Save with bundling, good driving, and homeownership discounts.
• Reliable Customer Service: Farmers Car Insurance Companies is known for its helpful agents and smooth claims process.

Cons

• Higher Premiums: Rates can be pricier than other best car insurance options in South Carolina.
• Fewer Local Agents: There are fewer in-person agents than larger insurers.

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#8 – State Farm: Best for Local Agents and Reliable Service

Pros

• Strong Local Presence: With many agents across South Carolina, getting in-person help is easy.
• Great for Safe Drivers: The Drive Safe & Save program helps lower rates based on driving habits. To get the facts, please read our State Farm car insurance review.
• Reliable Claims Process: State Farm has a strong reputation for handling claims quickly and fairly.

Cons

• Can Be Pricey: Rates aren’t always the cheapest compared to other best car insurance options in South Carolina.
• Limited Discounts: This doesn’t offer as many savings opportunities as some competitors.

#9 – Geico: Best for Budget-Friendly Rates

Pros

• Budget-Friendly Rates: Geico is known for offering some of the most affordable car insurance in South Carolina.
• Easy Online Management: The app and website make policy management and claims filing super convenient.
• Good Discount Options: Save with bundling, military, good driver, and multi-vehicle discounts. Read our Geico car insurance review to learn more.

Cons

• Limited Local Agents: Geico operates primarily online, so in-person help can be hard to find.
• Rates May Increase: Some drivers report unexpected rate hikes after renewal.

#10 – USAA: Best for Military Members and Exclusive Benefits

Pros

• Highly Competitive Rates: Offers some of the most affordable car insurance in South Carolina for military members and their families.
• Top-Rated Customer Service: Consistently earns high marks for claims handling and support.
• Great Discount Options: Save with bundling, safe driving, and military-specific discounts.

Cons

• Membership Restrictions: Only available to military members, veterans, and their families.
• Limited Local Agents: USAA car insurance. Most services are handled online or over the phone, with fewer in-person locations.

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Find the Best Car Insurance Rates in South Carolina

Car insurance prices are all over the map. Some companies keep it low, while others charge more for extra perks. The key is finding a plan that fits your budget and coverage needs. Here’s a quick breakdown of what top insurers in South Carolina charge monthly.

South Carolina Car Insurance Monthly Rates by Provider & Coverage Level

No one wants to spend a fortune on car insurance. The good news? You don’t have to. Shop around, snag discounts, and pick a plan that covers your needs. Plus, driving smart tips, like staying off your phone, following speed limits, and keeping your car in good shape, can help keep your rates down.

Picking a policy with Progressive is as simple as picking a pumpkin. There are no complicated steps, just an easy process that helps you find the right coverage fast. Whether comparing prices or customizing your plan, it’s all laid out for you with no hassle. Finding the perfect fit feels as easy as grabbing your favorite pumpkin at the patch!

You can start online, over the phone, or even through their mobile app—whichever works best for you. Progressive gives you multiple ways to get a quote and adjust your coverage, so you’re never stuck waiting or wondering what comes next. The interface is user-friendly, and help is always just a click or call away if you need it.

On top of that, Progressive makes it easy to save. With a variety of discounts available—like bundling home and auto, safe driver rewards, or even going paperless—you can get the coverage you need without going over budget. It’s quick, it’s simple, and it’s built to make your life easier.

Top Car Insurance Discounts in South Carolina

Are you looking to reduce your car insurance costs in South Carolina? We’ve gathered some of the top discounts that can help you get the coverage you need, all while saving money. Whether you’re a safe driver, have bundling policies, or qualify for other discounts, there’s something for everyone.

Many insurance providers in cities like Columbia, Charleston, and Greenville offer good driver discounts if you’ve maintained a spotless, safe driving tips for several years. If you’ve avoided accidents and traffic violations, this is one of the easiest ways to lower your premium.

Car Insurance Discounts From the Top Providers in South Carolina

Ready to start saving? Take advantage of these discounts and enjoy great coverage at a price that works for you in South Carolina.

South Carolina Auto Insurance Review

Car insurance in South Carolina isn’t one-size-fits-all. Your rates depend on where you live, how you drive, and the coverage you pick. Knowing what affects pricing can help you find a fair deal and avoid overpaying.

South Carolina Report Card: Auto Insurance Premiums

If your rates feel steep, you’re not alone. But a little digging can save you money. Compare prices, explore your options, and access auto insurance to ensure you get solid coverage without overspending.

Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.