Progressive Auto Insurance in South Carolina
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in South Carolina for 2026 — plus the 3 cheaper alternatives most South Carolina drivers overlook.
Estimated annual premium
$1,675
Estimated monthly
$140
South Carolina state avg
$1,825
vs South Carolina avg
-8%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
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 Progressive in South Carolina
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in South Carolina. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to South Carolina drivers
Progressive 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 Progressive South Carolina estimate for each class:
+10% vs sedan
Progressive SUV insurance
South Carolina estimate · Toyota Highlander, Honda Pilot
+15% vs sedan
Progressive Pickup truck insurance
South Carolina estimate · Ford F-150, Chevy Silverado
+25% vs sedan
Progressive Electric Vehicle (EV) insurance
South Carolina estimate · Tesla Model 3, Tesla Model Y
Progressive 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 Progressive South Carolina estimate for each profile:
+100% vs standard
Progressive New Driver insurance
South Carolina · 16-24
-8% vs standard
Progressive Senior Driver insurance
South Carolina · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
South Carolina · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
South Carolina · any (<7,500 mi/yr)
Frequently asked questions
How much does Progressive auto insurance cost in South Carolina?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in South Carolina runs about $1,675/year (~$140/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 Progressive cheaper than other carriers in South Carolina?
Yes — Progressive typically runs about 8% 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 Progressive 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 Progressive offer discounts to South Carolina drivers?
Progressive offers 6+ discounts that South Carolina drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. 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 Progressive's national average ($1,633) 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. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).