South Carolina is a great state for those who enjoy water recreation. The state borders the Atlantic Ocean and has a variety of lakes, creeks, and swimming holes. Many people have moved to South Carolina in recent years due to its mild winters and low property taxes.
You’ll need auto insurance in South Carolina, and if you’re looking for cheap car insurance, Cheap Insurance can help. Get a free quote today.
Quick South Carolina Car Insurance Facts
- South Carolina has a minimum insurance coverage requirement known as the 25/50/25 rule.
- The average cost of minimum liability auto insurance in South Carolina is $558 per year.
- Full car insurance coverage in the state costs an average of $1,512 per year.
- Approximately 11% of drivers in South Carolina are uninsured.
Minimum South Carolina Car Insurance Coverage
Information about car insurance coverage requirements in South Carolina can be found on the state’s Department of Insurance website.
South Carolina requires minimum insurance for bodily injury and property damage liability. Drivers must carry at least the following:
Property damage: $25,000 coverage for a single accident
Bodily injury/death: $25,000 per person and $50,000 per incident
Getting Cheap Car Insurance in South Carolina
Cheap car insurance is available in South Carolina. Here are some tips that can help:
Compare car insurance providers. Rates can vary widely from one company to another. Let Cheap Insurance help you get a quote quickly.
Increase your deductible. A higher deductible means lower premiums. Just make sure you have enough money on hand to cover the deductible should an accident occur.
Keep miles low. The less you drive, the more money you save because the risk of you getting into an accident decreases.
South Carolina Car Insurance Discounts
Save money on car insurance coverage with a discount or two. Car insurance providers frequently offer many discounts, including the following:
Good Driver: Drivers with a clean driving history can save as much as 30%.
Good Student: High school or college students with a 3.0 GPA or above can save up to 25%.
Billing: Go paperless, pay online, or set up automatic payments, and you can save as much as 25%.
Loyalty: Long-term customers can save up to 10%.
What is the average car insurance cost in South Carolina?
Full car insurance coverage in South Carolina costs around $1,512 per year.
How much is car insurance per month in South Carolina?
For full car insurance coverage in South Carolina, you’ll pay $126 per month.
What is the penalty for driving without insurance in South Carolina?
Your license and registration will be suspended until you pay a $600 uninsured motorist fee.
What is driving like in South Carolina?
South Carolina is known for having some of the worst drivers in the country. This is primarily because of poor road conditions. The state has many uneven roads, as well as potholes and heavy traffic. However, the drivers are not totally blameless. Drivers in South Carolina get 19% more traffic citations, and fatal accidents occur 44% more often in the state compared to the national average.
How can I save money on my car insurance policy in South Carolina?
If you’re in search of cheap car insurance in South Carolina, follow these tips:
Consider living in a rural area. Where you live affects car insurance premiums, with urban areas being more expensive. A rural area is cheaper.
Make your car safer. Multiple airbags, daytime running lights, and anti-lock brakes increase your safety, lowering your rates.
Bundle your policies. If you’re looking for homeowners and life insurance, use your car insurance provider and save money.
Other Types of Coverage
You can legally drive with just the minimum requirements, but you may want more insurance. Consider these optional car insurance coverages available in South Carolina:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist Coverage (UIM)
These coverages protect you if you are injured in an accident involving an uninsured or underinsured motorist.
Medical Payments Coverage
This insurance is also known as “med pay,” and pays for medical bills regardless of fault.
Physical Damage Coverage
Comprehensive insurance covers non-collision physical damage caused by theft, weather, and animals. Collision coverage pays for physical damage caused by an accident with an object or vehicle.
Additional kinds of coverage
Endorsements and Riders
Towing and road service: This coverage is helpful if you ever break down. It includes towing services as well as gas and flat tires.
Rental car reimbursement: If you can’t drive your car due to damage from an accident, this coverage reimburses you for a rental car.
Gap insurance: Cars depreciate quickly. Gap insurance helps with this, covering the difference between what you owe on an auto loan and the actual value of your car.
Cities We Cover in South Carolina
Get cheap car insurance in South Carolina with Cheap Insurance. We cover the following cities:
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