Liberty Mutual Auto Insurance in South Carolina
Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in South Carolina for 2026 — plus the 3 cheaper alternatives most South Carolina drivers overlook.
Estimated annual premium
$1,900
Estimated monthly
$158
South Carolina state avg
$1,825
vs South Carolina avg
+4%
Why drivers pick Liberty Mutual
Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.
Where Liberty Mutual falls short
Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.
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 Liberty Mutual in South Carolina
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in South Carolina. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Liberty Mutual discounts available to South Carolina drivers
Liberty Mutual 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 Liberty Mutual South Carolina estimate for each class:
+10% vs sedan
Liberty Mutual SUV insurance
South Carolina estimate · Toyota Highlander, Honda Pilot
+15% vs sedan
Liberty Mutual Pickup truck insurance
South Carolina estimate · Ford F-150, Chevy Silverado
+25% vs sedan
Liberty Mutual Electric Vehicle (EV) insurance
South Carolina estimate · Tesla Model 3, Tesla Model Y
Liberty Mutual 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 Liberty Mutual South Carolina estimate for each profile:
+100% vs standard
Liberty Mutual New Driver insurance
South Carolina · 16-24
-8% vs standard
Liberty Mutual Senior Driver insurance
South Carolina · 65+
+55% vs standard
Liberty Mutual SR-22 High-Risk insurance
South Carolina · any (SR-22 required)
-18% vs standard
Liberty Mutual Low-Mileage Driver insurance
South Carolina · any (<7,500 mi/yr)
Frequently asked questions
How much does Liberty Mutual auto insurance cost in South Carolina?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in South Carolina runs about $1,900/year (~$158/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 Liberty Mutual cheaper than other carriers in South Carolina?
Liberty Mutual is currently about 4% above the South Carolina state average of $1,825/year. The cheaper alternatives in South Carolina are typically USAA, GEICO, Erie. Whether Liberty Mutual 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 Liberty Mutual offer discounts to South Carolina drivers?
Liberty Mutual offers 6+ discounts that South Carolina drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. 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.
Methodology: Estimated annual premium is computed as Liberty Mutual's national average ($1,860) 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. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).