3 carriers raised and 3 carriers cut South Carolina auto rates in 2026. The fastest way to stop overpaying is to compare carriers for your ZIP — the cheapest options in South Carolina are below.
Cheapest car insurance carriers in South Carolina right now
Estimated annual premiums for a standard profile, cheapest first — South Carolina averages about $2,586/yr. The spread between carriers is wide, so shopping is how you beat a rate hike.
| # | Carrier | Est. annual | vs avg |
|---|---|---|---|
| 1 | USAA | $1,598/yr | Save $693 |
| 2 | State Farm | $2,022/yr | Save $269 |
| 3 | Travelers | $2,103/yr | Save $188 |
| 4 | GEICO | $2,118/yr | Save $173 |
| 5 | Root Insurance | $2,202/yr | Save $89 |
| 6 | Progressive | $2,379/yr | +$88 |
| 7 | The Hartford | $2,507/yr | +$216 |
| 8 | Kemper | $2,612/yr | +$321 |
| 9 | National General | $2,690/yr | +$399 |
| 10 | Safeco | $2,769/yr | +$478 |
Carriers that raised South Carolina rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| Amica | +3.0% | Apr 1, 2026 | 5,657 | — | SERFF #AMMA-134748444 ↗ |
| American National American National Property And Casualty Company | +19.0% | Apr 3, 2026 | 5,901 | — | SERFF #ANPC-134772485 ↗ |
| American Family American Family Connect Property and Casualty Insurance Company | +8.8% | Sep 1, 2026 | 8,107 | — | SERFF #PRCA-134889827 ↗ |
Carriers that cut South Carolina rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| Southern Farm Bureau Southern Farm Bureau Casualty Insurance Company | −3.9% | Feb 1, 2026 | 68,542 | — | SERFF #SFBC-134687931 ↗ |
| State Farm State Farm Mutual Automobile Insurance Company | −8.1% | Feb 16, 2026 | 1,199,271 | — | SERFF #SFMA-134701541 ↗ |
| Allstate Allstate North American Insurance Company | −7.0% | Feb 23, 2026 | — | — | SERFF #ALSE-134847054 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, State Farm’s cut took effect for new customers on Feb 16, 2026 but existing customers only at renewals starting Feb 16, 2026. The only way to know you’re on the best current price is to re-shop.
Filing figures are filed/approved statewide averages from each state’s Department of Insurance; rankings are directional estimates. “Affected” counts are policyholders or insured vehicles as stated in each filing. Your individual rate varies by risk profile. Each filing links to its source. Not a quote.