[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/cheap-car-insurance-south-carolina-2026":3},{"id":4,"title":5,"body":6,"breadcrumbs":772,"category":773,"ctaCarrier":127,"ctaHook":774,"ctaRate":775,"ctaState":776,"dateModified":777,"datePublished":777,"description":778,"draft":779,"extension":780,"faqs":781,"featured":779,"image":772,"meta":800,"navigation":801,"path":802,"relatedGuides":803,"section":826,"seo":827,"stem":828,"tags":829,"tocEnabled":801,"__hash__":836},"pages/cheap-car-insurance-south-carolina-2026.md","Cheapest Car Insurance in South Carolina (2026)",{"type":7,"value":8,"toc":762},"minimark",[9,14,81,85,89,319,322,325,329,335,353,361,364,486,489,492,496,503,547,567,578,605,609,624,637,653,661,673,681,685,753,756],[10,11,13],"h2",{"id":12},"summary","Summary",[15,16,17,37,44,51,62,69],"ul",{},[18,19,20,24,25,28,29,36],"li",{},[21,22,23],"strong",{},"Auto-Owners is the cheapest car insurance company in South Carolina that anyone can buy",", averaging ",[21,26,27],{},"$78/month for liability-only and $128 for full coverage",", per ",[30,31,35],"a",{"href":32,"rel":33},"https://insurify.com/car-insurance/south-carolina/",[34],"nofollow","Insurify rate data"," updated October 1, 2026. USAA is lower still at $73 / $119, but only military families qualify. State Farm ($80 / $133) rounds out a top three that sits $28 to $35 a month below the next carrier.",[18,38,39,40,43],{},"South Carolina is expensive: ",[21,41,42],{},"liability averages $160/month against the national $98, full coverage $255 against $187"," — about $1,914 and $3,060 a year, roughly a third above the national figure for full coverage.",[18,45,46,47,50],{},"It is also, unusually for this library, ",[21,48,49],{},"not getting worse",". Full coverage cost $3,061 a year in December 2025 and $3,060 in September 2026, after falling about 13% from a November 2024 peak of $3,504. The forecast for the rest of the year is flat.",[18,52,53,54,57,58,61],{},"The reasons it's high are structural: ",[21,55,56],{},"the fourth-highest crash-death rate in the country",", ",[21,59,60],{},"39% of fatal collisions involving alcohol"," in 2023 against 30% nationwide, and coastal storm exposure.",[18,63,64,65,68],{},"South Carolina is an ",[21,66,67],{},"at-fault state with 25/50/25 minimums plus mandatory uninsured motorist coverage"," — and it's one of the few states where a registered owner can legally skip insurance by paying a $550 annual fee that buys nothing.",[18,70,71,72,75,76,80],{},"Geography moves the number: ",[21,73,74],{},"North Charleston ($199/month for liability) pays about 50% more than Fort Mill ($130)",", with Columbia, Florence, and Charleston all above $170. ",[30,77,79],{"href":78},"/","See where your own ZIP code lands"," before you accept a renewal.",[10,82,84],{"id":83},"cheapest-car-insurance-companies-in-south-carolina","Cheapest Car Insurance Companies in South Carolina",[86,87,88],"p",{},"South Carolina has a clear top tier and a long, expensive tail. Three carriers — USAA, Auto-Owners, and State Farm — price liability-only coverage at $73 to $80 a month. GEICO is next at $108. After that, every carrier in the state table is $123 or more, and the bottom third runs $186 to $252 for the same clean-record driver. The gap between Auto-Owners and the median carrier is more than $85 a month.",[90,91,92,108],"table",{},[93,94,95],"thead",{},[96,97,98,102,105],"tr",{},[99,100,101],"th",{},"Insurance company",[99,103,104],{},"Liability only (mo.)",[99,106,107],{},"Full coverage (mo.)",[109,110,111,123,134,145,156,167,178,189,200,211,222,232,243,254,264,275,286,297,308],"tbody",{},[96,112,113,117,120],{},[114,115,116],"td",{},"USAA*",[114,118,119],{},"$73",[114,121,122],{},"$119",[96,124,125,128,131],{},[114,126,127],{},"Auto-Owners",[114,129,130],{},"$78",[114,132,133],{},"$128",[96,135,136,139,142],{},[114,137,138],{},"State Farm",[114,140,141],{},"$80",[114,143,144],{},"$133",[96,146,147,150,153],{},[114,148,149],{},"GEICO",[114,151,152],{},"$108",[114,154,155],{},"$166",[96,157,158,161,164],{},[114,159,160],{},"Progressive",[114,162,163],{},"$123",[114,165,166],{},"$198",[96,168,169,172,175],{},[114,170,171],{},"Travelers",[114,173,174],{},"$134",[114,176,177],{},"$221",[96,179,180,183,186],{},[114,181,182],{},"Safeco",[114,184,185],{},"$144",[114,187,188],{},"$186",[96,190,191,194,197],{},[114,192,193],{},"Allstate",[114,195,196],{},"$150",[114,198,199],{},"$234",[96,201,202,205,208],{},[114,203,204],{},"Direct Auto",[114,206,207],{},"$157",[114,209,210],{},"$246",[96,212,213,216,219],{},[114,214,215],{},"National General",[114,217,218],{},"$164",[114,220,221],{},"$250",[96,223,224,227,229],{},[114,225,226],{},"State Auto",[114,228,218],{},[114,230,231],{},"$268",[96,233,234,237,240],{},[114,235,236],{},"GAINSCO",[114,238,239],{},"$170",[114,241,242],{},"$313",[96,244,245,248,251],{},[114,246,247],{},"Root",[114,249,250],{},"$171",[114,252,253],{},"$262",[96,255,256,259,261],{},[114,257,258],{},"The General",[114,260,188],{},[114,262,263],{},"$399",[96,265,266,269,272],{},[114,267,268],{},"AssuranceAmerica",[114,270,271],{},"$187",[114,273,274],{},"$267",[96,276,277,280,283],{},[114,278,279],{},"Liberty Mutual",[114,281,282],{},"$188",[114,284,285],{},"$306",[96,287,288,291,294],{},[114,289,290],{},"Dairyland",[114,292,293],{},"$190",[114,295,296],{},"$383",[96,298,299,302,305],{},[114,300,301],{},"First Acceptance",[114,303,304],{},"$208",[114,306,307],{},"$337",[96,309,310,313,316],{},[114,311,312],{},"Bristol West",[114,314,315],{},"$252",[114,317,318],{},"$429",[86,320,321],{},"Source: Insurify South Carolina rate data, current as of September 30, 2026 (page updated October 1). *USAA is available only to military members, veterans, and their families. Actual quotes vary by driver profile.",[86,323,324],{},"Three things to know about the top of the table. Auto-Owners sells through independent agents and doesn't quote online, so it won't appear in most comparison results — you have to ask for it. State Farm has agents in more than 100 South Carolina cities and is the easiest of the three to actually buy. And the two data lanes disagree about who's cheapest: NerdWallet's September 2026 analysis names American National, a regional carrier that doesn't appear in the table above, as the state's cheapest full-coverage option at about $1,050 a year. That's a different methodology and a different insurer panel, and the right response is to quote American National directly alongside Auto-Owners and State Farm rather than pick a winner from a chart.",[10,326,328],{"id":327},"how-much-is-car-insurance-in-south-carolina","How Much Is Car Insurance in South Carolina?",[86,330,331,334],{},[21,332,333],{},"South Carolina averages $160/month for liability-only and $255/month for full coverage"," — about $1,914 and $3,060 a year. Full coverage runs roughly 36% above the national average of $2,242 a year.",[86,336,337,338,342,343,347,348,352],{},"The trend is the surprise. Full coverage peaked at $3,504 a year in November 2024, fell in almost every month of 2025 to $3,061 in December, and has sat between $3,033 and $3,069 ever since — $3,060 in September 2026. That's a 13% drop from the peak and essentially zero movement this year, while the national average has crept up about 1% since December. The state's own analysis projects no change through the rest of 2026. For context, most of the states in this library that are this expensive — ",[30,339,341],{"href":340},"/cheap-car-insurance-nevada-2026","Nevada"," is the clearest case — are still rising. South Carolina is expensive and stable, which is a different problem: your rate probably isn't about to jump, but it also isn't going to come down on its own. Our ",[30,344,346],{"href":345},"/insights/average-rates-september-2026","September rate report"," has the national picture, and our ",[30,349,351],{"href":350},"/blog/car-insurance-rates-rising-again-2026","news post on the 2026 reversal"," covers why some states turned up again while others didn't.",[86,354,355,356,360],{},"The reasons the level is high are structural. South Carolina ranks fourth in the country for motor-vehicle crash deaths at nearly 19 per 100,000 residents, against roughly 12 nationwide, and recorded 1.72 deaths per 100 million vehicle miles in 2023 against a national 1.26. Alcohol is a big part of it: 39% of the state's fatal collisions in 2023 involved a driver at or above a 0.08 blood-alcohol level, compared with 30% nationwide. The coast adds hurricane and flood exposure — our ",[30,357,359],{"href":358},"/blog/hurricane-binding-freezes-explained","binding-freeze explainer"," covers what happens to new policies when a storm approaches. One reason the climb stopped: fatal crashes fell about 11% through the first nine months of 2025, which means fewer large payouts and less pressure on rates.",[86,362,363],{},"City spread:",[90,365,366,377],{},[93,367,368],{},[96,369,370,373,375],{},[99,371,372],{},"City",[99,374,104],{},[99,376,107],{},[109,378,379,390,400,410,421,432,443,453,464,475],{},[96,380,381,384,387],{},[114,382,383],{},"Fort Mill",[114,385,386],{},"$130",[114,388,389],{},"$215",[96,391,392,395,397],{},[114,393,394],{},"Hilton Head Island",[114,396,386],{},[114,398,399],{},"$197",[96,401,402,405,407],{},[114,403,404],{},"Aiken",[114,406,174],{},[114,408,409],{},"$202",[96,411,412,415,418],{},[114,413,414],{},"Greer",[114,416,417],{},"$138",[114,419,420],{},"$207",[96,422,423,426,429],{},[114,424,425],{},"Spartanburg",[114,427,428],{},"$149",[114,430,431],{},"$231",[96,433,434,437,440],{},[114,435,436],{},"Greenville",[114,438,439],{},"$151",[114,441,442],{},"$225",[96,444,445,448,450],{},[114,446,447],{},"Myrtle Beach",[114,449,207],{},[114,451,452],{},"$232",[96,454,455,458,461],{},[114,456,457],{},"Columbia",[114,459,460],{},"$173",[114,462,463],{},"$274",[96,465,466,469,472],{},[114,467,468],{},"Charleston",[114,470,471],{},"$178",[114,473,474],{},"$281",[96,476,477,480,483],{},[114,478,479],{},"North Charleston",[114,481,482],{},"$199",[114,484,485],{},"$283",[86,487,488],{},"Source: Insurify South Carolina city rate data, current as of September 30, 2026.",[86,490,491],{},"The pattern is Upstate cheap, Lowcountry and Midlands expensive. Fort Mill and the Greenville–Spartanburg corridor run $130 to $151 for liability; Columbia, Florence, Charleston, Summerville, and North Charleston run $173 to $199. The Charleston metro's congestion and coastal weather are priced into every ZIP code there, and Columbia carries one of the worst pedestrian-safety records among metros nationally. If you're in the Lowcountry, the carrier spread is where the money is: Auto-Owners and State Farm quote well under the city averages even in North Charleston.",[10,493,495],{"id":494},"south-carolina-car-insurance-requirements","South Carolina Car Insurance Requirements",[86,497,498,499,502],{},"South Carolina requires ",[21,500,501],{},"25/50/25 liability coverage plus uninsured motorist coverage at the same limits",":",[90,504,505,515],{},[93,506,507],{},[96,508,509,512],{},[99,510,511],{},"Coverage type",[99,513,514],{},"South Carolina minimum",[109,516,517,525,533,540],{},[96,518,519,522],{},[114,520,521],{},"Bodily injury liability, per person / per accident",[114,523,524],{},"$25,000 / $50,000",[96,526,527,530],{},[114,528,529],{},"Property damage liability, per accident",[114,531,532],{},"$25,000",[96,534,535,538],{},[114,536,537],{},"Uninsured motorist bodily injury, per person / per accident",[114,539,524],{},[96,541,542,545],{},[114,543,544],{},"Uninsured motorist property damage, per accident",[114,546,532],{},[86,548,64,549,552,553,557,558,562,563,566],{},[21,550,551],{},"at-fault state"," — the driver who causes a crash pays for the other side's damage — with no PIP requirement like ",[30,554,556],{"href":555},"/cheap-car-insurance-florida-2026","Florida"," drivers carry. The mandatory uninsured motorist package is the same arrangement as ",[30,559,561],{"href":560},"/cheap-car-insurance-west-virginia-2026","West Virginia",", and it exists partly because of a quirk that is almost unique to South Carolina: a registered owner can ",[21,564,565],{},"legally drive uninsured by paying a $550 annual uninsured-motorist fee"," at registration. The fee buys no coverage whatsoever. The driver stays personally liable for every dollar of injury and damage they cause, and everyone else's mandatory UM coverage is what protects the people they hit. At Auto-Owners' $78 a month, actual 25/50/25 liability costs about $386 a year more than the fee — and it comes with a policy.",[86,568,569,570,573,574,577],{},"Coverage is verified electronically. Insurers report policy changes to the SCDMV in real time; if you cancel without turning in your plate first, you get a letter, 20 business days to have the new insurer verify coverage, and then a suspension of your license, plate, and registration with a reinstatement cost of up to $400. Pulled over without proof, you have 30 days to show you were insured or your license is suspended, with a $100 reinstatement fee. The serious case is a conviction for driving your own uninsured vehicle: license and registration suspended until you pay the ",[21,571,572],{},"$700 uninsured-motorist fee set for 2026"," (the state recalculates it each year against premium inflation), plus an ",[21,575,576],{},"SR-22 filing for three years"," from the suspension date. Driving someone else's uninsured car gets you a 30-day suspension and a $100 fee.",[86,579,580,581,584,585,589,590,594,595,599,600,604],{},"The SR-22 also follows a DUI and a failure to prove coverage after an accident. South Carolina drivers who need one average about ",[21,582,583],{},"$180/month for liability-only","; USAA ($82), Auto-Owners ($88), and State Farm ($90) price it lowest, and the filing itself typically costs about $25. Our ",[30,586,588],{"href":587},"/blog/what-is-sr-22-insurance","SR-22 explainer"," covers the mechanics; our ",[30,591,593],{"href":592},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers how to close a gap before the SCDMV's 20-day clock runs out; our ",[30,596,598],{"href":597},"/blog/car-insurance-suspended-license","suspended-license guide"," covers reinstatement; our ",[30,601,603],{"href":602},"/blog/traffic-stop-documents-checklist","traffic-stop documents checklist"," covers what to keep in the glovebox.",[10,606,608],{"id":607},"high-risk-drivers-in-south-carolina","High-Risk Drivers in South Carolina",[86,610,611,612,615,616,619,620,623],{},"South Carolina's surcharges are large in dollars because the base is large. For a sample driver, a ",[21,613,614],{},"speeding ticket raises the full-coverage premium about 35% to $365 a month",", an ",[21,617,618],{},"at-fault accident about 39% to $375",", and a ",[21,621,622],{},"DUI about 59% to $429",". High-risk drivers as a group average about $246 a month across coverage levels against $207 for clean records.",[86,625,626,627,631,632,636],{},"The carrier you pick after the incident matters more than the incident. After an at-fault accident, Auto-Owners averages $103 a month for liability and State Farm $106; GEICO is $142; the bottom of the table is above $300. After a speeding ticket, the same three are $99, $100, and $139. The spread between the cheapest and most expensive carrier for a driver with an accident is more than $225 a month — the widest gap in the state's tables. Our ",[30,628,630],{"href":629},"/blog/how-to-lower-rate-after-accident","post-accident rate guide"," and ",[30,633,635],{"href":634},"/blog/does-not-at-fault-accident-raise-rates","not-at-fault explainer"," cover what moves after a claim.",[86,638,639,640,643,644,647,648,652],{},"South Carolina's points system is gentler than most. Points are ",[21,641,642],{},"cut in half one year after the violation date",", and completing the National Safety Council's eight-hour defensive driving course — in a South Carolina classroom or the NSC's own virtual program — ",[21,645,646],{},"removes four points",", once in any three-year period, as long as you finish before a suspension starts. Twelve points brings a suspension; drivers on a beginner's permit or a conditional or restricted license are suspended for six months at six. Insurers keep their own clock, though — a violation that's half-weight at the DMV is still full-weight on your renewal for three years — and our ",[30,649,651],{"href":650},"/blog/insurance-points-vs-license-points","insurance points vs. license points explainer"," covers why the two systems don't line up.",[86,654,655,656,660],{},"DUI is where the state's law and the state's rates both bite. South Carolina's alcohol-involved share of fatal crashes is nine points above the national figure, and carriers price for it: a DUI driver averages about $200 a month, with Auto-Owners ($100) and State Farm ($107) at the low end and Bristol West above $335. The mandatory suspension sits outside the points system, and reinstatement means an SR-22 for three years. Our ",[30,657,659],{"href":658},"/guide/dui-bad-record","DUI and bad-record guide"," covers the filing requirements and the road back.",[86,662,663,664,667,668,672],{},"Credit counts in South Carolina, and the state allows credit-based insurance scores. Drivers with poor credit average ",[21,665,666],{},"$191/month for liability against $153 for excellent credit"," — a 25% penalty before you reach the mid-table carriers — in a state where the average FICO score is 699. Our ",[30,669,671],{"href":670},"/guide/credit-score","credit-score guide"," covers the playbook.",[86,674,675,676,680],{},"Teens pay the most, as everywhere: a 16-year-old male averages $393 a month for liability and $634 for full coverage, a 16-year-old female $345 and $557, and a 20-year-old man still pays $220 for liability alone. Our ",[30,677,679],{"href":678},"/blog/choosing-safe-first-car-teen-driver","teen safe-car guide"," covers the vehicle side. Seniors do well — $146 for men and $128 for women at 60 — but the rate ticks back up after 70, to $152 and $133. Auto-Owners is the carrier the state's rate data names for senior drivers, and it quotes well under those averages.",[10,682,684],{"id":683},"how-to-save-on-car-insurance-in-south-carolina","How to Save on Car Insurance in South Carolina",[686,687,688,694,705,716,722,728,738],"ol",{},[18,689,690,693],{},[21,691,692],{},"Quote Auto-Owners through an independent agent."," It's the cheapest carrier open to everyone, and it won't show up in most online comparison results because it doesn't quote online. Ask for it by name.",[18,695,696,699,700,704],{},[21,697,698],{},"Quote State Farm second."," It's within $2 of Auto-Owners on liability, has agents in more than 100 South Carolina cities, and its Drive Safe & Save program can lower your rate but can't raise it — our ",[30,701,703],{"href":702},"/blog/snapshot-vs-driveeasy-vs-drive-safe-and-save","telematics comparison"," covers which programs can.",[18,706,707,710,711,715],{},[21,708,709],{},"If anyone in your family served, check USAA first."," It leads every table in the state. Our ",[30,712,714],{"href":713},"/blog/usaa-eligibility-2026","USAA eligibility post"," covers who actually qualifies, including spouses and adult children of members.",[18,717,718,721],{},[21,719,720],{},"Don't pay the $550 uninsured-motorist fee."," It buys nothing, leaves you personally liable, and puts you one traffic stop from a $700 fee and three years of SR-22 filings. Minimum coverage at Auto-Owners costs about $32 a month more and comes with an actual policy.",[18,723,724,727],{},[21,725,726],{},"Keep the UM package at your liability limits and consider adding underinsured."," Uninsured motorist coverage is mandatory and matched to your liability limits by law; underinsured is optional and cheap relative to a state with the fourth-highest crash-death rate in the country.",[18,729,730,733,734,737],{},[21,731,732],{},"If you're in the Lowcountry or the Midlands, shop every renewal."," North Charleston runs about 50% above Fort Mill, and the carrier spread is widest where the base is highest. ",[30,735,736],{"href":78},"Compare quotes for your ZIP code"," rather than the state average.",[18,739,740,743,744,748,749,752],{},[21,741,742],{},"Compare before renewal, not after."," The market has been flat for ten months, which means a policy written in 2024 — when the state was at its peak — is priced for a market that has since fallen 13%. Check the ",[30,745,747],{"href":746},"/cheapest-car-insurance-companies-2026","national standings",", then ",[30,750,751],{"href":78},"price your own profile"," against the tables above.",[754,755],"hr",{},[86,757,758],{},[759,760,761],"em",{},"Rate data from Insurify's South Carolina car insurance analysis, updated October 1, 2026, with table rates current as of September 30, 2026, based on real-time quotes from 500+ partner insurers for drivers ages 20–70 with clean records and average or better credit unless noted; quotes for Allstate, GEICO, State Farm, and USAA are Quadrant Information Services estimates; full-coverage figures reflect 50/100/50 limits with $1,000 collision and comprehensive deductibles. Annual trend figures from the same source's monthly South Carolina series (October 2024–September 2026) and 2026 American Driver Report. Crash-death rankings per the Insurance Institute for Highway Safety and NHTSA, alcohol-involved fatality share per the South Carolina Department of Public Safety's 2023 Traffic Collision Fact Book, the 2025 fatal-crash decline per NHTSA's early estimate, and the state's average credit score per Experian, all as cited in that analysis. State minimum coverage per the South Carolina Department of Insurance. The $550 uninsured-motorist registration fee per S.C. Code § 56-10-510; the $700 fee for 2026 per the SCDMV and South Carolina Department of Insurance Order 2025-006; electronic verification, lapse, reinstatement, and points rules per the SCDMV. American National's standing in NerdWallet's September 2026 analysis noted for lane comparison only. Actual quotes vary by driver profile.",{"title":763,"searchDepth":764,"depth":764,"links":765},"",2,[766,767,768,769,770,771],{"id":12,"depth":764,"text":13},{"id":83,"depth":764,"text":84},{"id":327,"depth":764,"text":328},{"id":494,"depth":764,"text":495},{"id":607,"depth":764,"text":608},{"id":683,"depth":764,"text":684},null,"savings","North Charleston pays about 50% more than Fort Mill.","$78/mo for liability (Sep 2026)","SC","2026-10-05","Auto-Owners leads South Carolina's open-to-all carriers at $78/mo for liability. Why the state runs a third above the national average, and where to save.",false,"md",[782,785,788,791,794,797],{"question":783,"answer":784},"Which company has the cheapest car insurance in South Carolina?","USAA has the lowest average rates in South Carolina — $73 per month for liability-only and $119 for full coverage, per rate data current as of September 2026 — but it sells only to military members, veterans, and their families. Among carriers open to everyone, Auto-Owners is cheapest at $78 for liability and $128 for full coverage, with State Farm close behind at $80 and $133. GEICO ($108 / $166) is the only other carrier under $120 for liability; everything else in the state table is $123 a month or more.",{"question":786,"answer":787},"How much is car insurance in South Carolina in 2026?","South Carolina drivers pay an average of $160 per month for liability-only coverage and $255 per month for full coverage — about $1,914 and $3,060 a year, against national averages of $98 and $187. Full coverage runs roughly a third above the national figure. The good news is that the number has stopped moving: full coverage cost $3,061 a year in December 2025 and $3,060 in September 2026, after falling about 13% from its November 2024 peak.",{"question":789,"answer":790},"Why is car insurance so expensive in South Carolina?","South Carolina has the fourth-highest rate of motor-vehicle crash deaths in the country — about 19 per 100,000 residents against roughly 12 nationwide — and 1.72 deaths per 100 million miles driven in 2023 against a national 1.26. In 2023, 39% of the state's fatal collisions involved a driver at or above the 0.08 blood-alcohol limit, compared with 30% nationwide. Add hurricane and flood exposure along the coast, and insurers price the state accordingly. Fatal crashes fell about 11% through the first nine months of 2025, which is part of why rates have flattened.",{"question":792,"answer":793},"What are South Carolina's minimum car insurance requirements?","South Carolina requires 25/50/25 liability coverage — $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage — plus uninsured motorist coverage at the same 25/50/25 limits. It's an at-fault state. South Carolina is also one of the few states that lets a registered owner legally go uninsured by paying a $550 annual uninsured-motorist fee, which buys no coverage at all; the driver stays personally liable for every dollar of damage they cause.",{"question":795,"answer":796},"Do you need an SR-22 in South Carolina?","Yes, in the usual situations. South Carolina requires an SR-22 for three years after a DUI, after a conviction for driving your own vehicle without insurance, and when a driver fails to prove coverage after an accident. Getting caught driving your own uninsured car also suspends your license and registration until you pay the $700 uninsured-motorist fee set for 2026. South Carolina drivers who need an SR-22 average about $180 per month for liability-only coverage; USAA ($82), Auto-Owners ($88), and State Farm ($90) price it lowest.",{"question":798,"answer":799},"How much does a ticket or accident raise rates in South Carolina?","For a sample South Carolina driver, a speeding ticket raises the full-coverage premium about 35%, an at-fault accident about 39%, and a DUI about 59%. The carrier matters more than the violation: after an at-fault accident, Auto-Owners averages $103 a month for liability and State Farm $106, while the bottom of the table is above $300 for the same driver. License points are cut in half one year after the violation date, and an eight-hour defensive driving course removes four points once every three years.",{},true,"/cheap-car-insurance-south-carolina-2026",[804,807,811,815,819,822],{"path":555,"title":805,"description":806},"Cheapest Car Insurance in Florida (2026)","The cheapest Florida insurers compared by city, driver profile, and coverage level.",{"path":808,"title":809,"description":810},"/cheap-car-insurance-georgia-2026","Cheapest Car Insurance in Georgia (2026)","The cheapest Georgia insurers compared by city, driver profile, and coverage level.",{"path":812,"title":813,"description":814},"/cheap-car-insurance-north-carolina-2026","Cheapest Car Insurance in North Carolina (2026)","The cheapest North Carolina insurers compared by city, driver profile, and coverage level.",{"path":816,"title":817,"description":818},"/cheap-car-insurance-tennessee-2026","Cheapest Car Insurance in Tennessee (2026)","The cheapest Tennessee insurers compared by city, driver profile, and coverage level.",{"path":746,"title":820,"description":821},"Cheapest Car Insurance Companies of 2026","The cheapest car insurance companies ranked nationally.",{"path":823,"title":824,"description":825},"/best-car-insurance-companies-2026","Best Car Insurance Companies of 2026","Top insurers ranked by claims satisfaction, financial strength, and fit.","guide",{"title":5,"description":778},"cheap-car-insurance-south-carolina-2026",[830,831,832,833,834,835],"south carolina","cheap car insurance","state guide","auto-owners","charleston","2026 rates","g9KWZ2b7NglzJbgGt3xKnYRHLtYzCwBtGQsijvcLTHE"]