The average cost of car insurance in South Carolina is $558 per annum for minimum state coverage, while full coverage costs $1,512 annually. South Carolina law mandates that drivers have minimum liability limits in order to be able to drive and register a vehicle on the roads. South Carolina is the second most dangerous state for car accident fatalities. South Carolina drivers should ensure they have enough coverage to cover their family financially in case of an accident.
In South Carolina, as in other states, the price of car insurance is often a major deciding factor when choosing the right car insurer. Drivers can compare quotes from different insurance companies to determine which one offers the most coverage at the lowest price.
What is the cost of car insurance in South Carolina?
There are many factors that affect the price of car insurance in South Carolina. When purchasing car insurance, it is important to consider your ZIP code, age, driving record, and the coverages you need. The rates for South Carolina are below the average cost for car insurance in the United States, which is $565 per year for state minimum coverage and $1,674 per year for full coverage.
South Carolina auto insurance rates by company
The table below shows that auto insurance costs in South Carolina vary by carrier. This is true even if you have the same driving record. Shopping for multiple quotes to find the best and most affordable car insurance in South Carolina is the best way to locate a company.
South Carolina auto insurance rates by location
We compared quotes from 20 of the largest cities in South Carolina to get an idea of the differences in car insurance costs. Below is a table that shows the average annual premium for full insurance and the percentage difference, based on $1,512 annually as the state average.
South Carolina car insurance rates based on age
Car insurance rates change with age. Younger drivers pay more for insurance. South Carolina’s drivers between the ages of 50 and 60 pay the lowest average annual car insurance premium.
South Carolina auto insurance rates by driving record
No matter where you live , low-cost car insurance rates will be easier to find for drivers who have not had any accidents or tickets on their driving records. South Carolina drivers who have been cited for speeding are 19% more likely to be charged annually than those without tickets. Your auto insurance premiums will increase by 42% if you are involved in an accident that is not your fault. Rates will rise by around 70% if you are convicted of a DUI in South Carolina.
How to Save on South Carolina Car Insurance
There are several ways to cut down on your coverage costs when shopping for car Insurance in South Carolina. If you have a DUI, ticket or other criminal record, finding affordable auto insurance may be difficult. However, these tips can help you to get lower coverage.
- Review your policy annually: You could be missing out on significant savings if you haven’t reviewed it in the past year. To ensure you have the coverages you need, talk to your agent.
- Multiple quotes: You may want to get multiple quotes. If you don’t want to alter your coverage, but are looking for more affordable car insurance rates than the standard rate, it might be worth shopping around for quotes. To compare the same coverages across all companies, you can determine which one has the best rates and coverage.
- You can increase your deductible. While a higher deductible will result in a lower car insurance rate, it does not necessarily mean that it is the best choice for all. You should ensure that you are able to pay the entire amount out of pocket if you need to file a claim.
- Before you purchase a car, make sure to compare rates. Get quotes from different models so you can compare your options and determine how much you can afford.
- You can take advantage of discounts. Most car insurance discounts can be combined so you could save a lot if your eligibility is for multiple. Bundling your auto and home will allow the insurance company track your driving habits. You may also be able reduce your car insurance rate by paying in full.
Questions frequently asked
Which South Carolina state has the lowest car insurance?
Car insurance rates can vary depending on the carrier and driver profile. Compare quotes from multiple companies to find the best car insurance in South Carolina.
What is the monthly cost of car insurance in SC?
South Carolina drivers pay an average $126 per month for full-coverage car insurance. The average monthly cost for drivers who have state minimum liability coverage is $46.50. These rates assume a clean driving record. They may differ from rates offered by South Carolina auto insurers.
Are you looking for car insurance in South Carolina
South Carolina’s minimum liability coverage for car insurance requires that drivers must have it. Minimum liability coverage for drivers in South Carolina is 25/50/25. This covers $25,000 per person for bodily injuries, $50,000 for everyone for bodily injuries, and $25,000 for property damages. You are not required by auto insurance companies to provide the same coverage for uninsured motorists, but they are required to.
Is SC an insurance state that covers no-fault cars?
South Carolina is an At-Fault state for car insurance. This means that fault is determined according to the circumstances of the accident. Licensed insurance agents encourage drivers to get as much auto insurance as they can afford.