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Root car insurance in South Carolina

Q: Is Root available in South Carolina?

Yes. Root writes personal auto insurance in South Carolina — 37 states. We did not find any South Carolina-specific exclusions published on its own pages, though carriers do not always publish every state variation.

Q: How much does Root car insurance cost in South Carolina?

Nobody publishes that figure, and we are not going to invent one. What can be said honestly: drivers in South Carolina pay $1,517 / yr on average across all insurers, and Root's national average for full coverage is not published, because it does not release rate data. Those are two different measurements and neither one is "what Root charges in South Carolina". Only a quote on your own ZIP code, vehicle and record answers that.

Q: What are South Carolina's minimum car insurance requirements?

South Carolina requires at least 25/50/25 in liability coverage. South Carolina's minimum liability requirement is 25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Q: Is Root a good choice for South Carolina drivers?

Root does not publish enough data for us to give it an overall score, so judge it on the individual categories rather than a single number. Confident drivers willing to be monitored before being quoted describes who it suits best. Nothing we found suggests South Carolina changes that picture materially. With 13 other insurers we review also writing in South Carolina, it is worth quoting several.

Root writes personal auto insurance in South Carolina. We found no South Carolina-specific restrictions published on its own pages.

Not scoredRead our full Root review

What Root costs in South Carolina

South Carolina average, all insurers

$1,517 / yr

About 5% above the national average

Root average, nationwide

Not published

Root does not release public rate data

Two different measurements, shown together for context and deliberately not combined. Neither is what Root would quote you in South Carolina.

Why there is no third number here

Those two figures measure different things, and multiplying them together would not produce a third. No public dataset publishes what Root specifically charges in South Carolina — rate filings are not compiled that way, and any site showing you that number has estimated it. We would rather show you the two real figures and be clear about what they do not tell you. The only number that describes your situation is a quote on your own ZIP code, vehicle and driving record.

What’s different about Root in South Carolina

We did not find any South Carolina-specific restrictions published on Root’s own pages. That is not the same as there being none — carriers do not always publish every state variation, and availability can change between renewals. Confirm the specific discounts you are counting on when you quote.

What South Carolina requires you to carry

Minimum liability25/50/25

South Carolina's minimum liability requirement is 25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage. Minimums like these are set well below what a serious accident typically costs in medical care and vehicle repair.

Driving without insurance in South Carolina carries fines and other penalties that vary by circumstance, and can include vehicle impoundment or license suspension. A coverage lapse also tends to raise your next premium, sometimes for years afterward.

Full South Carolina rates and requirements →

What moves a South Carolina premium most

·ZIP code and where the car sits overnight — the biggest single lever.

·Annual mileage, which most insurers weight heavily.

·Driving record over the last three years, especially at-fault claims.

·Continuous coverage history. Gaps cost more than most discounts save.

·Credit history, which factors into most insurers' models here.

How Root scores nationally

These are national measures — J.D. Power and NAIC do not publish per-state breakdowns at carrier level, so this scorecard describes Root as a company rather than its performance in South Carolina specifically.

Category

RootOur score, 1–5

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

1.5Far more than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

Not published

No AM Best rating we could verify — see the review

DiscountsBreadth of published discounts · 15% of score

Not published

No discount list we could read on the carrier's own site

Digital experienceApp ratings and self-service depth · 15% of score

Not published

No app-store presence we could verify

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Other insurers writing in South Carolina

13 of the 14 insurers we review also sell in South Carolina. Availability is the first filter — a cheaper carrier that does not write here is not an option.

State Farm Progressive Geico Allstate USAA Liberty MutualNot scored Travelers Auto-Owners Nationwide Kemper The Hartford Amica Chubb

Root in South Carolina, answered

The questions South Carolina drivers ask about this carrier.

Is Root available in South Carolina?

How much does Root car insurance cost in South Carolina?

What are South Carolina's minimum car insurance requirements?

Is Root a good choice for South Carolina drivers?

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