Get a South Carolina car insurance quote

You could save over $700 on auto insurance when you switch to Liberty Mutual¹

Myrtle Beach boardwalk overlooking Atlantic Ocean

Buying auto insurance in South Carolina

Need car insurance in South Carolina? Whether you live on the Sea Islands or Charleston, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your South Carolina auto insurance, so you only pay for what you need.

South Carolina drivers could save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $700¹

Online Purchase Discount

Buy your policy online and save. It's that simple.²

Learn more about Savings

Bundle and Save

Convenience and savings — need we say more? Combine your policies and get a discount.²

Learn about Bundling and Save Discounts and more

RightTrack^®

Get rewarded for your good driving behavior by saving up to 30% on your policy.³

Save with our safe driver program

Those are just a few of the ways we can help lower your car insurance costs.

View all car insurance discounts

South Carolina minimum car insurance requirements (25/50/25)

It's illegal to drive without car insurance in South Carolina. To drive legally, you need to have at least the following coverage amounts and minimums in South Carolina.⁴

Coverage type	State requirements
Bodily Injury to others Coverage	$25,000 per person and $50,000 per accident
Property Damage Liability Coverage	$25,000 per accident

See the South Carolina Department of Insurance for official coverage requirements and details.

Average cost of car insurance in South Carolina, 2026

According to 2026 data, the average cost of “full” coverage car insurance in South Carolina is about $2,724 per year.

Drivers in South Carolina will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.

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Who offers cheap car insurance in South Carolina?

Finding the cheapest car insurance in South Carolina may sound great, but a low-cost policy may not pay out when you need it.

You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.

A Liberty Mutual auto insurance policy can cost less than you think.⁵