Cheap Auto Insurance Quotes in Columbia, SC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

No one wants to look behind them and see flashing lights. But if you’re at Congaree National Park, they may just be…wait for it…fireflies! Waiting around for your insurance rates to go down? It’s easier to take the bull by the horns and go shopping online for better rates yourself.

It’s certainly a treat if you ever get a chance to see this asynchronous light show, but if you aren’t at the park and you see lights behind you, you should probably pull over. Always having proof of registration with you is a good practice, but being without a car insurance policy at all is never a good thing.

Car Insurance in Columbia, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbia, SC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Columbia, SC

Here are the cheapest carriers in Columbia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Columbia, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Columbia. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Columbia, SC Driving Facts

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

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 following an accident.

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. In South Carolina, 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
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Columbia, SC DMV Information

Though you can still find a warm body to talk to inside any South Carolina DMV office, South Carolina’s DMV website is one of the easiest to use and could save you a lot of time and frustration. To get around online, you can start at the top with the kind of vehicle you drive or jump down to a section defining who you are—whether you are moving to the state, a person with a disability, in the military, or looking to schedule an appointment. It doesn’t matter where you start; in just a few clicks, this sweet site will get you to the right place.

Public Transportation in Columbia, SC

Want to catch a ride around town in Columbia? Look around for the brightly colored buses. Nothing’s boring about being inside one of these buses—also known as the COMET bus system. Looking for something a little less loud? A courtesy shuttle called the E-Rover can also take you through 36 blocks of the downtown area. Uber, Lyft, and traditional taxis also operate in the city. If you want a little more wind in your hair, you can try the city’s bikeshare program called Blue Bike SC. Just find one of the on-street kiosk locations and follow the subscription steps.

Conclusion: How to get the best and cheapest car insurance in Columbia, SC

There are so many wonders to see at or near this capital city, including those fireflies that light up the night sky. But standing in awe of these critters is entirely different from wondering how your neighbor found a better insurance policy.

With Insurify, you never have to wonder whether you are getting a good rate. The more information you give its powerful AI engine, the more discounts you can unlock while watching your rates go lower and lower.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Columbia stacks up for the state of South Carolina:

nissan
Nissan Altima
Most Popular Car in
Columbia, SC
suspended licenses
#34
Cities with Most
Suspended Licenses Rank

FAQs - Columbia, SC Car Insurance

I don’t know when my insurance is supposed to be renewed. Will anyone remind me?

By law, your insurance should be giving you notice 15 days prior. Most companies mail renewal notices 30–45 days before the policy renewal effective date. Many insurance companies automatically renew your policy, but you should never assume anything. The best way to be on top of things is to always know exactly when your coverage expires. You can find this date by looking at your insurance identification card under “expiration date.” If you don’t have your card (you should always carry it), some insurance websites let you print them out. You can also call your insurance agent and ask for another one. As a rule, insurance companies don’t offer any grace period on this date. If you’re late, you’re late. That’s another reason why committing it to memory or at least having your card on hand to remind you is so important.

Does SC require uninsured motorist coverage?

Yes, SC does require that uninsured motorist coverage (UM) be offered to you (not all states do). But it isn’t forced on you if you don’t want to take it. This kind of coverage pays for injuries and property damage if you get into an accident with a driver without insurance. The coverage required is a minimum of $25,000 for bodily injury to one person and $50,000 for bodily injury to multiple people in one accident. If you choose not to take it, you’ll be asked to sign a form stating so.

Why is SC car insurance so high?

South Carolina is among one of the most expensive states for car insurance. How does this even happen in a state that seems so much less crowded than places like NYC? A lot of factors go into calculating insurance rates, including the number of uninsured drivers in the state (9.4 percent), crime statistics, the number of claims people file, and the weather (think hurricanes).