South Carolina is home to a large number of young adults aged 19 and under, and while the cost of car insurance in the state is slightly less than the national annual average, at $558 for minimum coverage and $1,512 for full coverage, road safety is frequently a source of concern. The South Carolina Department of Public Safety (SCDPS) discovered that every 1.4 hours, a collision-related injury or death was caused by a teen driver in South Carolina. Furthermore, distracted driving accounted for a significant proportion of car accidents, resulting in two accidents per hour on average.
Regardless of which population you represent in the state — distracted drivers, teen drivers, or the general 3.8 million licenced drivers on the roads — you will most likely want the most affordable car insurance company South Carolina has to offer to keep yourself protected. You never know when a car accident will occur, or if all parties involved will have adequate coverage. We gathered the companies offering the cheapest car insurance in South Carolina for 2021 to assist drivers in finding insurance that meets their financial needs.
The cheapest auto insurance in South Carolina
Finding the best South Carolina car insurance companies often comes down to which company offers the best discounts. Smaller businesses can be competitive at times, but they are rarely able to match the prices of national providers or the savings they provide through discounts. This is frequently the case in South Carolina.
The following five companies, on average, offer South Carolinians the lowest annual premiums:
Geico
Geico is able to offer some of the cheapest auto insurance in South Carolina for basic liability due to its size, even with its extensive list of discounts. Many people will see the above figures drop even further with discounts, as Geico's discounts offer significant savings. For instance, if you insure multiple vehicles with Geico, you could save up to 25% on your premium. Do you have a full-front seat air bag system in your vehicle? You could save up to an additional 23%. Based on your eligibility, these savings can give you a good idea of what to expect.
Auto-Owners
Though headquartered in Michigan, Auto-Owners also has a branch in Greenwood, South Carolina, as well as a network of agents in several South Carolina ZIP codes. The company even offers a convenient package that includes ten additional coverages such as re-keying, phone replacement, and more for a single fee. Drivers can save money by taking advantage of a variety of simple available discounts, such as requesting a quote before your current policy expires and opting for electronic payments.
Allstate
Allstate is a national company that receives consistently positive ratings from an independent company that measures customer satisfaction. Allstate ranked among the top 10 for customer satisfaction in the Southeast region, where South Carolina is located, among the companies surveyed in the 2020 J.D. Power Auto Insurance Study. You can reduce your premium with Allstate's Drivewise programme, which offers policyholders a discount for downloading the app and additional discounts every six months for safe driving. You may also receive Allstate Rewards points through the Drivewise programme, which can be redeemed for things like travel and merchandise.
Travelers
Drivers consider several factors when deciding on coverage. Travelers facilitates this decision-making process by providing sample coverage options for South Carolina drivers as well as drivers from other states. Travelers policyholders in the state, for example, may receive up to $900 in rental coverage and 15 miles of roadside assistance. There are options for a new car replacement, accident forgiveness, and over ten other ways to save. Drivers who own a hybrid vehicle may be eligible for special discounts, and those with a clean driving record and no claims history may be able to save up to 23% on their premiums.
USAA
USAA is the exclusive provider for active duty military and veteran drivers, but it is also known for its excellent customer service and quick claims processing. Personal injury protection (PIP), roadside assistance, rental reimbursement, and accident forgiveness are all available as options. It is already one of the cheapest car insurance companies, but there are numerous discounts available to help you save money. USAA provides some of the best car insurance discounts in South Carolina, such as savings for safe drivers, taking a defensive driving course, driving a new car, and being a good student in school.
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