Cheap Car Insurance for High-Risk Drivers in South Carolina:
Costs and Quotes (2021)
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- Car Insurance in South Carolina
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Cheapest Insurance Companies for High Risk Drivers in South Carolina (2021)
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 | |
|---|---|
 Travelers | $183/mo |
 Direct Auto | $251/mo |
 GAINSCO | $279/mo |
 Safeco Insurance | $282/mo |
 Liberty Mutual | $289/mo |
 Midvale Home & Auto | $296/mo |
 American Family Insurance | $322/mo |
 Dairyland Insurance | $328/mo |
 Bristol West | $344/mo |
 SafeAuto | $355/mo |
What’s in the South Carolina High-Risk Car Insurance Guide?
- What Makes a Driver High-Risk in South Carolina?
- How Much Does High-Risk Driving Affect Car Insurance Rates in South Carolina?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in South Carolina?
- How Does an at-Fault Accident Impact Insurance Rates in South Carolina?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in South Carolina?
- Does Driving With a Suspended License Impact Car Insurance Rates in South Carolina?
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.
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 | |
|---|---|
| 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.
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.
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.
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.
Insurify Rate Comparison Methodology
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
