Car Insurance After an Accident in South Carolina: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in South Carolina increases insurance by 43%, raising full coverage from $2,016/year to $2,883/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$168/mo
After At-Fault Accident (+43%)
$240/mo
Cheapest Companies After Accident in South Carolina
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $178/mo | $2,133/yr | Military families |
| Erie Insurance | $190/mo | $2,278/yr | Rate lock guarantee |
| GEICO | $197/mo | $2,364/yr | Clean driving record |
| Progressive | $211/mo | $2,537/yr | Telematics savings |
| State Farm | $219/mo | $2,624/yr | Good students |
| Travelers | $228/mo | $2,739/yr | Multiple discounts |
| Nationwide | $250/mo | $2,998/yr | Bundling home + auto |
| Farmers | $259/mo | $3,114/yr | Signal telematics |
| Allstate | $269/mo | $3,229/yr | Accident forgiveness |
| Liberty Mutual | $283/mo | $3,402/yr | New car replacement |
USAACheapest
Monthly
$178/mo
Annual
$2,133/yr
Best for: Military families
Erie Insurance
Monthly
$190/mo
Annual
$2,278/yr
Best for: Rate lock guarantee
GEICO
Monthly
$197/mo
Annual
$2,364/yr
Best for: Clean driving record
Progressive
Monthly
$211/mo
Annual
$2,537/yr
Best for: Telematics savings
State Farm
Monthly
$219/mo
Annual
$2,624/yr
Best for: Good students
Travelers
Monthly
$228/mo
Annual
$2,739/yr
Best for: Multiple discounts
Nationwide
Monthly
$250/mo
Annual
$2,998/yr
Best for: Bundling home + auto
Farmers
Monthly
$259/mo
Annual
$3,114/yr
Best for: Signal telematics
Allstate
Monthly
$269/mo
Annual
$3,229/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$283/mo
Annual
$3,402/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses