4.8out of 3,000+ reviews
South Carolina Car Insurance for High Risk Drivers (With Quotes)
Secure. Free. Easy-to-use.
| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
Why you can trust Insurify
Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.
Cheapest Insurance Companies for High Risk Drivers in South Carolina (2022)
For drivers that are high-risk in South Carolina, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in South Carolina. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in South Carolina.
| Carrier | Avg. Monthly Cost |
|---|---|
| Travelers | $183 |
| Direct Auto | $251 |
| GAINSCO | $279 |
| Safeco Insurance | $282 |
| Liberty Mutual | $289 |
| Midvale Home & Auto | $296 |
| American Family Insurance | $322 |
| Dairyland Insurance | $328 |
| Bristol West | $344 |
| SafeAuto | $355 |
What Makes a Driver High-Risk in South Carolina?
Accepting a new customer can mean accepting a certain amount of risk for auto insurance companies. Drivers who have a clean driving record are often tagged as low-risk, while others who have a history of violations or numerous insurance claims are characterized as high-risk. High-risk drivers are more likely to file a claim or partake in risky behavior; therefore, they typically pay higher premiums.
High-risk drivers in South Carolina are usually characterized as such due to their driving history. Multiple instances of speeding, reckless driving, several at-fault accidents, and prior DUI/DWI convictions are all considered high-risk factors. Since high-risk drivers face higher premium rates, shopping around for quotes is a good way to still obtain affordable coverage.
South Carolina Car Insurance Rates for High-Risk Drivers
No Violation$280
Failure to Stop$343
Speeding Ticket$360
At-Fault Accident$362
Reckless Driving$373
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in South Carolina?
If you find yourself with a high-risk driving violation on your record, it can have a lasting impact on your auto insurance rates as well. Simple things like speeding or improper passing can be enough for an insurance provider to raise your rates. In South Carolina, reckless driving is seen as one of the worst offenses and can result in an increase to your monthly premiums of nearly $100.
There are insurance companies throughout South Carolina that work with high-risk drivers to find affordable auto insurance. Shopping around for quotes is often the best way to find coverage at a rate that falls within your budget.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $280 |
| Speeding Ticket | $360 |
| At-Fault Accident | $362 |
| Reckless Driving | $373 |
| Failure to Stop | $343 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in South Carolina?
Call it what you like—having a lead foot, missing the speed limit sign, or driving a couple of miles over the speed limit—if you receive a speeding ticket, it will impact your insurance rates. In South Carolina, it is common for insurance providers to raise average monthly rates by as much as $80 after a speeding ticket.
No Violation - Avg. Monthly Rate$280
Speeding ticket - Avg. Monthly Rate$360
$80 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in South Carolina?
South Carolina drivers should be aware that an at-fault accident can have a significant impact on the auto insurance rates they pay. In fact, one at-fault violation can result in an $82 monthly increase for motorists, or an additional $984 a year.
No Violation - Avg. Monthly Rate$280
Speeding ticket - Avg. Monthly Rate$362
$82 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in South Carolina?
Running a red light or stop sign is seen as reckless behavior and often results in insurance companies raising your monthly premium. In South Carolina, the increase for a failure-to-stop violation averages to $63 a month. If you have one of these violations, shopping around can often help you find affordable coverage.
No Violation - Avg. Monthly Rate$280
Speeding ticket - Avg. Monthly Rate$343
$63 ▴
Avg. Monthly Rate Increase
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Does Driving With a Suspended License Impact Car Insurance Rates in South Carolina?
Accepting a new customer can mean accepting a certain amount of risk for auto insurance companies. Drivers who have a clean driving record are often tagged as low-risk, while others who have a history of violations or numerous insurance claims are characterized as high-risk. High-risk drivers are more likely to file a claim or partake in risky behavior; therefore, they typically pay higher premiums.
High-risk drivers in South Carolina are usually characterized as such due to their driving history. Multiple instances of speeding, reckless driving, several at-fault accidents, and prior DUI/DWI convictions are all considered high-risk factors. Since high-risk drivers face higher premium rates, shopping around for quotes is a good way to still obtain affordable coverage.
Tips for Researching High-Risk South Carolina Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like South Carolina draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - South Carolina Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county South Carolina. Insurify analyzed the latest data for the five most populous cities in South Carolina to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in South Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.