Minnesota vs South Carolina Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $450/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 8.9%).

Rate & Coverage Comparison

Attribute	Minnesota	South Carolina
Avg Annual Premium	$1,560	$2,010
Min Liability	$510	$660
Full Coverage	$1,560	$2,010
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.9%	8.9%
Registered Vehicles	4,679,740	4,197,580
Accidents/Year	70,196	62,963
Population	5,707,000	5,119,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

South Carolina$660 – $2,010

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

MinnesotaFull 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, Minnesota or South Carolina?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $2,010 in South Carolina - a difference of $450 per year.

How do Minnesota and South Carolina compare on fault systems?

Minnesota 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 Minnesota vs South Carolina?

Minnesota requires 30/60 / 10 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $510/yr in Minnesota and $660/yr in South Carolina.

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

South Carolina has a higher uninsured driver rate at 8.9%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota 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

Minnesota

South Carolina

Avg Annual Premium

$1,560

$2,010

Min Liability

$510

$660

Full Coverage

$1,560

$2,010

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.9%

8.9%

Registered Vehicles

4,679,740

4,197,580

Accidents/Year

70,196

62,963

Population

5,707,000

5,119,000