Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets South Carolina apart
Must carry UM; coastal hurricane exposure lifts comprehensive.
Minimum vs. full coverage in South Carolina
What each coverage level costs on the South Carolina average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,050 | $88 |
| Liability Only | $1,690 | $141 |
| Full | $3,080 | $257 |
| Full Low Deductible | $3,750 | $312 |
Minimum coverage saves about $2,025/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
South Carolina car insurance FAQ
- What's the minimum car insurance required in South Carolina?
- South Carolina's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $1,050/yr but leaves you exposed above those caps.
- How much is full coverage in South Carolina?
- Representative full coverage averages $3,075/yr (about $256/mo), ranking South Carolina #47 of 51 states for cost.
- Why is South Carolina car insurance priced the way it is?
- Must carry UM; coastal hurricane exposure lifts comprehensive.