Arkansas vs South Carolina Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Arkansas is $190/yr cheaper on average.

Fewer Uninsured

South Carolina has a lower uninsured rate (8.9% vs 16.6%).

Rate & Coverage Comparison

Attribute	Arkansas	South Carolina
Avg Annual Premium	$1,820	$2,010
Min Liability	$590	$660
Full Coverage	$1,820	$2,010
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.6%	8.9%
Registered Vehicles	2,469,840	4,197,580
Accidents/Year	37,047	62,963
Population	3,012,000	5,119,000

Minimum Coverage Requirements

Arkansas

25/50 / 25 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Arkansas$590 – $1,820

Liability: $590Avg: $1,820Full: $1,820

South Carolina$660 – $2,010

Liability: $660Avg: $2,010Full: $2,010

ArkansasFull rates, age breakdown, requirements →South CarolinaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Arkansas or South Carolina?

Arkansas has cheaper car insurance, with an average annual premium of $1,820 compared to $2,010 in South Carolina - a difference of $190 per year.

How do Arkansas and South Carolina compare on fault systems?

Arkansas uses a at-fault (tort) system while South Carolina uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Arkansas vs South Carolina?

Arkansas requires 25/50 / 25 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $590/yr in Arkansas and $660/yr in South Carolina.

Which state has more uninsured drivers, Arkansas or South Carolina?

Arkansas has a higher uninsured driver rate at 16.6%, compared to 8.9% in South Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Arkansas vs South Carolina insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Arkansas

South Carolina

Avg Annual Premium

$1,820

$2,010

Min Liability

$590

$660

Full Coverage

$1,820

$2,010

Fault System

At-Fault (Tort)

Uninsured Rate

16.6%

8.9%

Registered Vehicles

2,469,840

4,197,580

Accidents/Year

37,047

62,963

Population

3,012,000

5,119,000