Best Cheap Car Insurance In South Carolina

To find the right car insurance for you in South Carolina, you need to stay up to date on the state’s requirements. The following table lists the coverages and minimum coverage limits that are required in South Carolina. However, keep in mind that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

What is Auto Insurance?

Insurance protects consumers by reimbursing them for financial losses caused by covered risks. For example, auto insurance will pay for repairs or replacements if your car is damaged in an accident. In South Carolina, drivers are required by law to purchase liability and uninsured motorist coverage. There are two basic types of auto insurance: liability and physical damage.

Finding Cheap Car Insurance in South Carolina

The best way to find cheap car insurance in South Carolina is to shop around and compare rates from different companies. We found that there can be significant price differences between insurers in the state.

Cheap South Carolina car insurance for good drivers

Good drivers who have avoid traffic tickets and causing accidents can find good insurance rates in South Carolina from American National, GEICO, and Travelers. If you are a member of the military or a veteran or part of their family, USAA may be a good option.

Cheap South Carolina Car insurance for drivers with poor credit

If you’ve ever gotten into a car accident or been pulled over for a ticket, you know that it can cause your insurance rates to go up. But did you know that your credit score can also impact how much you pay for car insurance? Studies show that people with lower credit scores are more likely to file insurance claims, so insurance companies charge them higher rates.

If you have poor credit and are looking for cheap South Carolina car insurance, two insurers to check out are American National and Geico. Be aware that car insurance discounts can help you save money even if your credit is not good.

Cheap car insurance in South Carolina for drivers with a speeding ticket

If you got a speeding ticket in South Carolina, you may be able to find cheaper car insurance rates by shopping around and comparing quotes. American National and Geico have the best rates for drivers with a speeding ticket, based on our analysis. Travelers and State Farm are also good options for affordable rates.

Cheap South Carolina car insurance when adding a teen driver

Adding a teenager to your car insurance policy in South Carolina can be more expensive than getting a speeding ticket or causing an accident. However, rates vary by insurance company, so it pays to compare quotes from several insurers. If you’re looking for cheap insurance after adding your teen to your coverage, Nationwide and State Auto may be good options. Make sure to ask the company you choose about discounts that could help offset the increased cost.

Cheap South Carolina car insurance for senior drivers age 65+

The price of car insurance for senior drivers has increased in recent years, so it’s a good idea to compare rates from different companies to see if you can get a cheaper policy. American National, Geico, and Travelers are all good options to consider.

Cheap South Carolina car insurance for young drivers ages 18 to 25

If you are a young driver in South Carolina, you should consider American National as your insurance company. Travelers and Geico are also affordable options that you should look into.

Cheap Car Insurance in South Carolina for drivers who caused an accident with injury

An at-fault accident usually results in higher car insurance rates when it’s time to renew your policy. However, how much your rates will go up depends on your insurance company. If you want to see if you can get a better rate after an at-fault accident, you can get quotes from American National, GEICO, and Travelers.

Driver Training Discount in South Carolina

Although it is not mandated, many South Carolina auto insurance companies offer a discount to drivers over the age of 25 who complete a driving training program. This discount usually lasts for 36 months and the exact percentage is up to the insurance company. Additionally, drivers under the age of 25 may also be eligible for a driver’s education course discount.

Least Expensive Vehicles for Insurance in South Carolina

In South Carolina, the Jeep Wrangler JL Sport, Honda CR-V LX and Subaru Crosstrek are among the least expensive for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.

The cars with the most expensive auto insurance in South Carolina among popular models are the Tesla Model S Performance ($3,351 per year) and Lexus ES 300H ($2,235 per year).

Required South Carolina Auto Insurance

The state of South Carolina has relatively simple requirements for auto insurance, which mostly revolve around liability insurance. This type of insurance covers any injuries or damage caused to other people or property in the event that the policyholder is responsible for an accident. If another driver is found to be at fault for an accident, the policyholder can file a claim against their liability insurance or take them to court.

Car owners in South Carolina must buy liability coverage with at least:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident
• $25,000 for damage to property in one accident

The state minimum insurance coverage in South Carolina is $50,000, but this may not be enough if you cause an expensive accident. For example, if you cause injuries to multiple people, medical bills can quickly exceed this amount. If this happens, you can be sued for the amount that is not covered by insurance. South Carolina also requires uninsured motorist coverage. This type of coverage pays for injuries and property damage if a driver without any auto insurance crashes into you.

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident

FAQ

1. How much is car insurance per month in SC?

The average cost of car insurance in South Carolina is $269 per month and $3,228 per year. However, individual rates may vary depending on factors such as driving history, credit history, marital status, gender, age, type of vehicle, and level of coverage.

2. Is car insurance cheaper in South Carolina?

In South Carolina, the average cost of full coverage car insurance is $1,512 per year, and the average cost of minimum coverage car insurance is $558 per year. However, the actual cost of your car insurance may vary based on factors such as your driving record, age, or zip code.

3. Is car insurance high in South Carolina?

Is South Carolina’s car insurance rates expensive in comparison to other states? The average cost of car insurance in South Carolina is $1,139 which is cheaper than state’s like Michigan, but more expensive than other states, like North Carolina or Tennessee.

4. What are the car insurance requirements in South Carolina?

The minimum amount of money required for bodily injury coverage in South Carolina is $25,000 per person and $50,000 for all persons injured in one accident. Claims for bodily injury may include medical expenses, lost wages, and pain and suffering.

5. Is SC A no fault car insurance state?

Does South Carolina Have No-Fault Laws? No, South Carolina does not have the no-fault law in effect. Instead, it follows an at fault model with comparative negligence. This means that so long as you are under 50% responsible for your accident, you can file a claim against the driver that caused your accident.

6. How much is full coverage car insurance SC?

The average cost of car insurance in South Carolina for minimum state liability coverage is $558 per year, while full coverage is $1,512 annually.

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