How much does Amica auto insurance cost in South Carolina?

Based on CarSavr's rate model (built on 2024 national-average premiums), a typical full-coverage policy with Amica in South Carolina runs about $1,500/year (~$125/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Amica cheaper than other carriers in South Carolina?

Yes — Amica typically runs about 18% below the South Carolina state average ($1,825/year for all carriers combined). The cheaper alternatives in South Carolina are typically USAA, GEICO, Erie. Whether Amica is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the South Carolina minimum coverage requirements?

South Carolina requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. South Carolina is not a no-fault state, so PIP is optional but recommended for added medical coverage. Coastal hurricane exposure and ~10% uninsured driver rate push premiums above average.

Does Amica offer discounts to South Carolina drivers?

Amica offers 7+ discounts that South Carolina drivers can stack: Loyalty dividend (mutual structure), Multi-policy, Hybrid/EV, Homeowner, Paid in full, Auto-pay, Group affinity. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

How much does Amica auto insurance cost in South Carolina?

Based on CarSavr's rate model (built on 2024 national-average premiums), a typical full-coverage policy with Amica in South Carolina runs about $1,500/year (~$125/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.

Is Amica cheaper than other carriers in South Carolina?

Yes — Amica typically runs about 18% below the South Carolina state average ($1,825/year for all carriers combined). The cheaper alternatives in South Carolina are typically USAA, GEICO, Erie. Whether Amica is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.

What are the South Carolina minimum coverage requirements?

South Carolina requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. South Carolina is not a no-fault state, so PIP is optional but recommended for added medical coverage. Coastal hurricane exposure and ~10% uninsured driver rate push premiums above average.

Does Amica offer discounts to South Carolina drivers?

Amica offers 7+ discounts that South Carolina drivers can stack: Loyalty dividend (mutual structure), Multi-policy, Hybrid/EV, Homeowner, Paid in full, Auto-pay, Group affinity. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.

Amica Auto Insurance in South Carolina

Amica Mutual is the oldest mutual auto insurer in the U.S. (founded 1907). Writes in all 50 states + D.C., exclusively through direct channels and licensed agents. Annual dividends paid to policyholders historically average 5-20% of premium — effectively reducing the net cost. Here's what Amica typically costs in South Carolina, estimated from 2024 national-average rates — plus the 3 cheaper alternatives most South Carolina drivers overlook.

Read our full Amica auto insurance review

Est. annual premium (2024 data)

$1,500

Estimated monthly

$125

South Carolina state avg

$1,825

vs South Carolina avg

-18%

Why drivers pick Amica

Second-highest J.D. Power customer-satisfaction score in the industry (877, behind only USAA's 893) AND the lowest NAIC complaint ratio of the 14 matrix carriers. Mutual structure means dividends offset premium.

Where Amica falls short

Initial quotes are 10-20% above peer market for similar drivers. The dividend offsets some of that gap, but you'll wait 12+ months for the first dividend. Not the cheapest entry-price.

South Carolina minimum coverage requirements

Bodily Injury Liability: 25/50 thousand per person / per accident
Property Damage Liability: $25K

Coastal hurricane exposure and ~10% uninsured driver rate push premiums above average.

Cheaper alternatives to Amica in South Carolina

Based on CarSavr's rate modeling, the 3 carriers below typically come in below Amica for a comparable driver profile in South Carolina. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.

USAA

Active-duty military · Veterans + military spouses + adult military kids

$1,075/yr

Save $425/yr

GEICO

Clean-record drivers · Online-first shoppers

$1,375/yr

Save $125/yr

Erie

Drivers in Erie's 12-state footprint · Stability-first policy holders

$1,375/yr

Save $125/yr

Amica discounts available to South Carolina drivers

Loyalty dividend (mutual structure)Multi-policyHybrid/EVHomeownerPaid in fullAuto-payGroup affinity

Amica South Carolina rates by vehicle class

Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Amica South Carolina estimate for each class:

+10% vs sedan

Amica SUV insurance

South Carolina estimate · Toyota Highlander, Honda Pilot

+15% vs sedan

Amica Pickup truck insurance

South Carolina estimate · Ford F-150, Chevy Silverado

+25% vs sedan

Amica Electric Vehicle (EV) insurance

South Carolina estimate · Tesla Model 3, Tesla Model Y

Amica South Carolina rates by driver profile

Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Amica South Carolina estimate for each profile:

+100% vs standard

Amica New Driver insurance

South Carolina · 16-24

-8% vs standard

Amica Senior Driver insurance

South Carolina · 65+

Amica NOT ELIGIBLE

Amica SR-22 High-Risk insurance

South Carolina · any (SR-22 required)

-18% vs standard

Amica Low-Mileage Driver insurance

South Carolina · any (<7,500 mi/yr)

Frequently asked questions

Methodology: Estimated annual premium is computed as Amica's national average ($1,480, 2024 data) multiplied by South Carolina's state-vs-national premium index ($1,825 ÷ national average $1,789 ≈ 1.02x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Amica J.D. Power score: 877/1000. A.M. Best rating: A+ (2024).