4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Irmo, SC (September 2022)
Secure. Free. Easy-to-use.
Advertising disclosures
Why you can trust Insurify
Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka
Updated September 15, 2022
Car Insurance in Irmo, 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 Irmo, SC to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Irmo is $296 per month, or $3552 annually.
Car insurance in Irmo is $37 more than the average cost of car insurance in South Carolina.
The cheapest car insurance provider in Irmo on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Travelers$173
Safeco$194
Direct Auto$217
Midvale Home & Auto$260
InsureMax$270
See More:
Cheapest Car Insurance in Irmo, SC
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Irmo | Quotes 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. |
|---|---|
| Travelers | $173 /mo |
| Safeco | $194 /mo |
| Direct Auto | $217 /mo |
| Midvale Home & Auto | $260 /mo |
| InsureMax | $270 /mo |
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Average Car Insurance Cost
| South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Irmo | $304/mo |
| South Carolina | $171/mo |
North Charleston$125
Charleston$132
Mount Pleasant$139
Columbia$154
Average for SC$171
Irmo$304
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in South Carolina
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 be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in South Carolina[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person for uninsured/underinsured motorist bodily injury
$50,000 per accident for uninsured/underinsured motorist bodily injury
$25,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.
For more detailed South Carolina city level guides, check out these below.
FAQs - Irmo, SC Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Compare Car Insurance Quotes Instantly
- Personalized quotes in 5 minutes or less
- No signup required
Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Learn MoreSources
- South Carolina Department of Insurance . "State Minimum Car Insurance Requirements." Accessed May 28, 2022