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Cheap Auto Insurance Quotes in Lancaster, SC (August 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Lancaster, 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 Lancaster, SC to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Lancaster is $280 per month, or $3360 annually.
- Car insurance in Lancaster is $21 more than the average cost of car insurance in South Carolina.
- The cheapest car insurance provider in Lancaster on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$156
Travelers$184
Safeco$209
Direct Auto$217
Liberty Mutual$229
Cheapest Car Insurance in Lancaster, 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 Lancaster | Quotes |
|---|---|
| Progressive | $156 /mo |
| Travelers | $184 /mo |
| Safeco | $209 /mo |
| Direct Auto | $217 /mo |
| Liberty Mutual | $229 /mo |
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Average Car Insurance Cost
| South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Lancaster | $279/mo |
| South Carolina | $166/mo |
North Charleston$125
Charleston$132
Mount Pleasant$139
Columbia$154
Average for SC$166
Lancaster$279
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.
FAQs - Lancaster, 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.
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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.
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