Average car insurance cost in South Carolina (2026)
Drivers in South Carolina pay an average of $255 a month for full coverage and $159 a month for liability only.
Full coverage / month
$255
Liability only / month
$159
Full coverage / year
$3,060
Liability only / year
$1,908
Cost rank
#7 of 51
1 = most expensive. Liability-only rank: #7.
Averages are a starting point. Estimate your cost in South Carolina
How South Carolina compares
The full-coverage average of $255 is 46% above the average across states ($174), and the liability-only average of $159 is 63% above the average across states ($98). South Carolina is one of the 10 most expensive places in our table. That is $46 a month below Maryland, the highest, and $170 above New Hampshire, the lowest.
Full coverage vs liability only in South Carolina
Full coverage costs $96 more per month than liability only in South Carolina, or $1,152 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to South Carolina by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| New Jersey | $257 | $181 | +$2 |
| Georgia | $259 | $157 | +$4 |
| Nevada | $261 | $165 | +$6 |
| Delaware | $263 | $167 | +$8 |
| Florida | $235 | $143 | -$20 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the South Carolina averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $255 | $159 |
| Same driver, age 20-24 | $370 | $231 |
| Same driver, one ticket | $311 | $194 |
| Same driver, one at-fault accident | $362 | $226 |
| Same driver, sports car | $332 | $207 |
Frequently asked questions
How much does car insurance cost in South Carolina?
The average in South Carolina is $255 a month ($3,060 a year) for full coverage and $159 a month ($1,908 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in South Carolina expensive compared with other states?
South Carolina ranks 7th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 46% above the average across states of $174 a month.
How much more does full coverage cost than liability only in South Carolina?
On average, full coverage costs $96 more per month in South Carolina, or $1,152 more per year. That is 60% more than the liability-only average.
How much could an at-fault accident change an estimate in South Carolina?
With our illustrative 1.42 factor, a baseline full-coverage estimate in South Carolina rises from $255 to about $362 a month, or about $107 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.