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Cheap Auto Insurance Quotes in Ladson, SC, for 2022

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Jennifer Pendell
Written by
Jennifer Pendell
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Written by
Jennifer Pendell
Insurance Writer
Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Ladson is $306 per month or $3,672 annually.

  • Car insurance in Ladson is $5 less than the average cost of insurance in South Carolina.

  • The cheapest car insurance provider in Ladson on average is Travelers.

Car Insurance in Ladson, SC

Auto insurance rates vary widely from city to city and between different car insurance companies. Someone in Summerville will pay different rates from someone in North Charleston for the same insurance. That’s why comparing quotes for insurance products is so crucial. Insurify analyzed the cost of coverage in Ladson to help you find the best rate.

Quotes by Top Companies

Travelers
$175
State Auto
$216
Progressive
$246
Nationwide
$257
Liberty Mutual
$317

See More:

Cheap Car Insurance South Carolina

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Cheapest Car Insurance in Ladson, SC

What is the cheapest car insurance in Ladson?

Travelers is the cheapest car insurance provider on average in Ladson, with rates starting at $175 per month. It’s still important to compare car insurance rates since everyone’s situation is different.

The cost of insurance coverage can be very different from company to company. That’s because every provider places a different value on information that influences car insurance quotes, like your age and gender. These insurance companies offered the best car insurance rates we could find.

Insurance CompanyAverage Monthly Quote
Travelers$175
State Auto$216
Progressive$246
Nationwide$257
Liberty Mutual$317
Kemper Preferred$182
National General$217
Safeco$222
Stillwater$239
Midvale Home & Auto$268
Direct Auto$269
InsureMax$289
SafeAuto$311
Bristol West$365
GAINSCO$370
Dairyland$381
AssuranceAmerica$391
Arrowhead$488
Everest National$603
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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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.

Ladson Car Insurance Rates by Driving and Accident History

Driving records and accident history will have a huge impact on car insurance rates[2]. Someone with a clean driving history will receive a very different quote for a car insurance policy than someone with major infractions in their driving history. Here are the average insurance premiums you can expect to pay depending on your driver history.

Driver HistoryAverage Monthly Cost
Clean Record$286
Speeding Ticket$383
At-Fault Accident$418
DUI$569
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More:

High-Risk Car Insurance South Carolina

DUI Car Insurance South Carolina

Ladson Car Insurance Rates by Credit Tier

Several states restrict insurance companies from using credit scores to calculate the cost of insurance, but South Carolina is not one of them. The cost of insurance can change significantly depending on your credit score[3]. Here’s what you can expect to pay for a policy based on credit tier.

Credit TierAverage Monthly Cost
Excellent$261
Good$308
Average$339
Poor$525
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Ladson

Affordable car insurance doesn’t have to be hard to find. In fact, it can be quite easy to find the policy that meets your insurance needs at a price you can afford. Compare car insurance quotes online with Insurify’s easy-to-use comparison tool and see what different companies are charging without the hassle of calling each insurance company and talking to a local agent.

Discounts are another great way to get cheap car insurance. There are a plethora of discounts available, and it’s likely that you qualify for one or two. For example, many providers offer reduced rates if you bundle your auto insurance with renters insurance or homeowners insurance.

Frequently Asked Questions

  • One way to reduce the cost of car insurance is to choose a policy with a higher deductible. However, this can backfire because if you’re in an accident, you’ll have to pay more out of pocket. The best way to reduce the cost of your car insurance is to compare quotes from different companies to see who has the best rates.

  • We found policies with average costs as low as $175 a month from Travelers. However, your costs could be more or less than that, depending on factors like your driving history and credit score. Different companies weigh this information differently—that’s why the same policy can have different costs depending on which company issues the quote.

  • Different factors affect insurance rates in different locations. Ladson is not far from North Charleston, which is one of the most expensive places in the state to insure a car due to a high rate of fatal traffic accidents. Another issue is that auto repairs and healthcare are both getting more expensive, so insurance companies are raising rates to keep pace.

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  • 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.

Sources

  1. South Carolina Department of Insurance. "Automobile Insurance." Accessed July 27, 2022
  2. South Carolina Department of Insurance. "Automobile Insurance." Accessed July 27, 2022
  3. South Carolina Department of Insurance. "Property & Casualty." Accessed July 27, 2022
Jennifer Pendell
Written by
Jennifer Pendell

Insurance Writer

Jennifer Pendell is a personal finance expert. She specializes in breaking down dense subjects to make them easier for consumers to understand, with a particular interest in homeowners, renters, and auto insurance concepts. She studied at the University of Iowa.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.