Florida vs South Carolina Car Insurance

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

Quick Verdict

More Affordable

South Carolina is $490/yr cheaper on average.

Fewer Uninsured

South Carolina has a lower uninsured rate (8.9% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	South Carolina
Avg Annual Premium	$2,500	$2,010
Min Liability	$820	$660
Full Coverage	$2,500	$2,010
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	20.4%	8.9%
Registered Vehicles	17,661,160	4,197,580
Accidents/Year	264,917	62,963
Population	21,538,000	5,119,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

South Carolina$660 – $2,010

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

FloridaFull 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, Florida or South Carolina?

South Carolina has cheaper car insurance, with an average annual premium of $2,010 compared to $2,500 in Florida - a difference of $490 per year.

How do Florida and South Carolina compare on fault systems?

Florida uses a no-fault system while South Carolina uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

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

Florida requires 10/20 / 10 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $820/yr in Florida and $660/yr in South Carolina.

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

Florida has a higher uninsured driver rate at 20.4%, compared to 8.9% in South Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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

Florida

South Carolina

Avg Annual Premium

$2,500

$2,010

Min Liability

$820

$660

Full Coverage

$2,500

$2,010

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

20.4%

8.9%

Registered Vehicles

17,661,160

4,197,580

Accidents/Year

264,917

62,963

Population

21,538,000

5,119,000