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Finding Cheap Auto Insurance in South Carolina

Drivers looking to find a good deal on auto insurance in South Carolina would do well to shop around. We evaluated 13 auto insurance companies in South Carolina and found significant price differences.

Cheap auto insurance in South Carolina for good drivers

Safe drivers who avoid tickets and cause accidents can find good insurance rates in South Carolina, but not from all companies. If you have a clean driving record, check out American National and Geico auto insurance quotes. If you are a military or a veteran, USAA may be a decent option.

Inexpensive Auto Insurance In South Carolina For Drivers In An Injury Crash

If you cause a car accident in South Carolina and someone else is injured, you can expect your auto insurance rates to go up by about $ 600 per year. This is why it is important to compare the costs of several insurers. American National, Geico, and State Farm auto insurance are good places to start.

Cheap Auto Insurance In South Carolina For Drivers With Low Credit

Bad credit results in higher average rates to the tune of $ 1,350 per year in South Carolina. If your credit is poor, it is essential to compare the rates of several companies. American National and Geico is a good start. Whether you are a military or a veteran, USAA auto insurance is competitively priced, according to our analysis.

Cheap Auto Insurance In South Carolina For Drivers Without Insurance

If you’re caught driving without insurance in South Carolina, you’re likely to pay more when you buy insurance. This is because many insurers consider lapsing of coverage to be a higher risk. If you need to purchase insurance, see quotes from American National, Geico, and others.

Cheapest Vehicles For Insurance In South Carolina

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

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

Related: The most expensive and cheapest cars to insure nationwide

Compulsory auto insurance in South Carolina

South Carolina’s auto insurance requirements focus on auto liability insurance without additional complications. Liability insurance covers injuries and damage you cause to others. And if another driver is legally responsible for an accident, you can make a claim against their liability insurance or sue them.

Car owners in South Carolina should purchase liability insurance with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 25,000 for property damage in an accident

But the state minimum can be woefully insufficient if you cause a costly accident. Consider this: If you injure multiple people, medical bills can quickly exceed South Carolina’s $ 50,000 minimum coverage. You can be sued for what your insurance won’t cover.

South Carolina also requires coverage for uninsured motorists. UM coverage pays for injuries and property damage if a driver without auto insurance crashes into you. You must purchase UM coverage of at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident

What else should I have?

Coverage for underinsured motorists. South Carolina requires auto insurance companies to offer you underinsured motorist cover (UIM), but you do not have to take it. If a driver causes an accident but doesn’t have enough insurance, your UIM coverage will cover your injuries and property damage after the other driver’s insurance expires. It is generally good to have.

Medical cover. Medical Payment Coverage (MedPay) can come in handy after an accident because it will pay your medical bills no matter who was at fault. These are usually small amounts of coverage, like $ 1,000 or $ 5,000. It can also pay the deductible and co-pay for your health insurance plan.

And note this: if someone else caused an accident, you get paid both by their insurance and your MedPay coverage. So if you have $ 5,000 in medical bills, you can get $ 5,000 from the offending driver and $ 5,000 from your own MedPay insurance. Soft!

Similar coverage, Injury Protection (PIP), also pays your medical bills no matter who was at fault. But unlike MedPay, PIP can also cover lost wages and services for tasks you can’t perform due to the accident, like babysitting.

Collision and full coverage. No state requires collision or full coverage, but usually an auto loan or leasing company will. Together, collisions and comprehensive coverage for car theft and damage to vehicles caused by hail, floods, fires, vandalism, falling objects such as tree branches, riots and collisions with animals.

Summary: Compulsory Auto Insurance in South Carolina

Can I show my insurance ID card from my phone?

In South Carolina, you can use your phone to show an auto insurance ID card. Check with your auto insurer if they have a mobile app that includes electronic ID cards.

Factors Allowed in Auto Insurance Rates in South Carolina

Auto insurance companies typically look at your past insurance claims, driving record, vehicle model, and more when setting your rate. In South Carolina, businesses can also use these factors.

How many uninsured drivers are there in South Carolina?

About 11% of South Carolina drivers don’t have insurance, according to the Insurance Research Council. If they cause a crash, you can try to sue them for payment. Or you can use your uninsured motorist coverage for injury and damage to the car.

Penalties for driving without auto insurance in South Carolina

If you are caught driving without insurance, you can be fined $ 100 to $ 200, plus $ 5 per day for each day you are uninsured.

When can a vehicle be totaled?

If your car is severely damaged in an accident or other event, such as a flood or fire, it may be declared totaled under South Carolina law when repair costs would be over 75%. the fair market value of the vehicle.

Resolve insurance issues

The South Carolina Department of Insurance is responsible for monitoring insurance companies and handling consumer complaints. The department has a online complaint form.

Methodology

To find the cheapest auto insurance companies in South Carolina, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for South Carolina were Allstate, American National, Auto-Owners, Bristol West, Geico, National Grange Mutual, Progressive, Sentry, Southern Farm Bureau, State Auto, State Farm, Travelers, and USAA.

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