Cheap Car Insurance in South Carolina (With Quotes, May 2022)

South Carolina drivers have hours of coastline to cruise and explore all the state’s beautiful beaches. When it comes to South Carolina auto insurance, there are many affordable auto insurance rates from excellent insurance companies. Check out some personalized quotes today on Insurify!

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There are a number of factors that go into the equation when determining your car insurance premiums. It is easier to find less expensive car insurance if your driving record is free of violations, or if you choose to pay a higher deductible. The following table shows the average most affordable car insurance quotes in South Carolina from different car insurance companies.

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Cheapest Liability Auto Insurance in South Carolina

Liability coverage in some form, whether for bodily injury or property damage, is required in every state. Liability car insurance financially protects insureds from loss due to legal liability when they have an at-fault car accident. Bodily injury liability covers medical expenses due to an at-fault accident, and property damage liability covers the loss of tangible property.

The table below reveals the most affordable liability car insurance quotes in South Carolina.

Cheapest Full-Coverage Auto Insurance in South Carolina

Full-coverage car insurance includes collision and comprehensive coverage, in addition to standard liability coverage. Collision coverage is for damages to your vehicle from crashing into another car or object. Comprehensive coverage includes non-impact damages, like damage due to vandalism and inclement weather.

To rank the best car insurance companies in South Carolina, Insurify’s data scientists have created an Insurify Composite Score based on factors like customer experience and the stability of insurers. The next table shows Insurify’s top picks for the most affordable South Carolina car insurance companies.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Your driving history affects your car insurance premiums. If you have filed a claim for an at-fault accident or have speeding tickets or a DUI, insurers classify you as high-risk, and your insurance premiums will be more expensive than if you had a clean driving record.

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Cheap Car Insurance for Good Drivers in South Carolina

Insurance companies typically consider you a good driver if you’ve got a clean driving record free of driving violations and lapses in coverage for the past three to five years. The table below displays cheap car insurance quotes for good drivers in South Carolina.

Cheap Car Insurance for Drivers with DUI in South Carolina

If you get a violation for driving under the influence on your record, you were convicted of driving while intoxicated or under the influence of other substances. In South Carolina, a DUI is never removed from your criminal record and may result in serious consequences, such as having your license revoked or even imprisonment.

The next table demonstrates the best cheap car insurance for drivers with a DUI on their record, from varying auto insurance companies in South Carolina.

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SR-22 Insurance in South Carolina

Most states require you to file an SR-22 proving that you meet the state’s minimum car insurance requirements when you have a DUI on your record or were caught driving without insurance or without a license. In South Carolina, the form is filed by your insurance company with the DMV. Because of the violations on your record, SR-22 insurance is more expensive than other types of insurance.

The insurance companies listed below offer SR-22 in South Carolina:

Cheap Car Insurance for Drivers with an At-Fault Accident in South Carolina

If you have at-fault accidents on your driving record, some insurers may consider you a high-risk driver, and your premiums will be higher than average rates. When you are a policyholder and file a claim for an at-fault accident, insurers will usually raise your premiums by a percentage.

The table below exhibits the best rates for car insurance coverage if you have at-fault accidents on your driving record in South Carolina.

Cheap Car Insurance for Drivers with Speeding Tickets in South Carolina

In South Carolina, if you get a speeding ticket, you will acquire points on your license, and your current insurance will rise by a percentage. A speeding ticket stays on your record for two years in South Carolina, and when looking for auto insurance coverage, quotes will be above the average cost of car insurance.

The table below shows low-cost car insurance rates for drivers with speeding tickets in South Carolina.

A credit insurance score is similar to your credit score, as it uses your credit history to evaluate how likely you are to file a claim. Researchers have found that if you have poor credit, you are more likely to file a claim. This score is only used in underwriting when determining premiums. The following table shows cheap auto insurance quotes for auto insurance policies by credit tier in South Carolina.

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States regulate the insurance industry in the U.S. and set state minimum insurance requirements for drivers. Car insurance premiums may vary from city to city, based on factors such as your city’s population and crime rate. The table below shows the average cost of car insurance in different cities across South Carolina.

Auto insurance providers use a variety of factors in underwriting your policy. Young drivers, because of their inexperience, are considered a higher risk to auto insurers. As you age and develop a good driving history, your rates will decrease. If, on the other hand, you have violations on your driving record, your premiums will be higher than average rates.

The next table shows average quotes for different age groups in South Carolina.

Every state has minimum insurance requirements, and South Carolina is no exception. Additionally, all drivers in South Carolina will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in South Carolina.

Minimum Car Insurance Requirements in South Carolina

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

• $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims.

Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

• $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. The legally required level of uninsured motorist coverage is:

• $25,000 per person/$50,000 per accident for Bodily Injury
• $25,000 per accident for Property Damage

South Carolina DMV Information

The South Carolina Department of Motor Vehicles (DMV) provides numerous services for drivers, like issuing and renewing driver’s licenses. When you are renewing or applying for your driver’s license in South Carolina, you must present proof that you meet the state’s minimum coverage requirements with a company licensed to do business in the state.

Public Transportation in South Carolina

South Carolina provides a bus service as public transportation for its residents. Buses may run between cities and counties and may be a good option if your license is revoked or suspended or if you’re simply not an auto owner.

There are a number of ways to find the best rates for you and your household when it comes to car insurance. You could consider bundling your car and home insurance policies, applying for available discounts, or simply comparing car insurance quotes on Insurify.

Comparison shopping, that is when you gather quotes from multiple companies and compare them before buying a policy, can save drivers up to $996 a year on car insurance. A platform like Insurify makes it easy to comparison shop by gathering quotes from up to 20 different insurance providers and comparing them in one place–allowing you to find the cheapest insurance policy in minutes.