Rhode Island vs South Carolina Car Insurance

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

Quick Verdict

More Affordable

Rhode Island is $80/yr cheaper on average.

Fewer Uninsured

South Carolina has a lower uninsured rate (8.9% vs 15.6%).

Rate & Coverage Comparison

Attribute	Rhode Island	South Carolina
Avg Annual Premium	$1,930	$2,010
Min Liability	$630	$660
Full Coverage	$1,930	$2,010
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	15.6%	8.9%
Registered Vehicles	899,540	4,197,580
Accidents/Year	13,493	62,963
Population	1,097,000	5,119,000

Minimum Coverage Requirements

Rhode Island

25/50 / 25 liability

South Carolina

25/50 / 25 liability

Premium Comparison

Rhode Island$630 – $1,930

Liability: $630Avg: $1,930Full: $1,930

South Carolina$660 – $2,010

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

Rhode IslandFull 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, Rhode Island or South Carolina?

Rhode Island has cheaper car insurance, with an average annual premium of $1,930 compared to $2,010 in South Carolina - a difference of $80 per year.

How do Rhode Island and South Carolina compare on fault systems?

Rhode Island 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 Rhode Island vs South Carolina?

Rhode Island requires 25/50 / 25 liability. South Carolina requires 25/50 / 25 liability. Minimum liability costs $630/yr in Rhode Island and $660/yr in South Carolina.

Which state has more uninsured drivers, Rhode Island or South Carolina?

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 8.9% in South Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Rhode Island 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

Rhode Island

South Carolina

Avg Annual Premium

$1,930

$2,010

Min Liability

$630

$660

Full Coverage

$1,930

$2,010

Fault System

At-Fault (Tort)

Uninsured Rate

15.6%

8.9%

Registered Vehicles

899,540

4,197,580

Accidents/Year

13,493

62,963

Population

1,097,000

5,119,000