4.8out of 3,000+ reviews
Cheap Auto Insurance Quotes in Lancaster, SC (January 2022)
- Personalized quotes in 5 minutes or less
- No signup required
Last Updated: January 2022
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.
$156
$184
$191
$209
$217
ProgressiveTravelersNational GeneralSafecoDirect Auto
See More: Cheap Car Insurance South Carolina
See More: Compare Car Insurance
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 | |
|---|---|
Progressive | $156/mo |
 Travelers | $184/mo |
 National General | $191/mo |
 Safeco | $209/mo |
 Direct Auto | $217/mo |
Average Car Insurance Cost
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Lancaster | $273/mo |
| South Carolina | $165/mo |
$165
$154
$132
$125
$139
$273
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantLancaster
Click here to learn about car insurance quotes and save on your current policy.
Lancaster, SC Driving Facts
Minimum Car Insurance Requirements in SC
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 available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.
- $25,000 per accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:
- $25,000 per person/$50,000 per accident for Bodily Injury
- $25,000 per accident for Property Damage
Find local Lancaster agents
Insurify Insights: How Lancaster Drivers Measure Up
Lancaster, SC
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lancaster drivers measure up to their fellow South Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Lancaster
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lancaster drivers rank 30 in the number of car accidents per driver across all cities in South Carolina.
- Rank within state: #30
- Percent of drivers in Lancaster with an accident: 13.73%
- Drivers in Lancaster, SC with an accident in their driving history paid on average 30.96% more than drivers with a clean record
Speeding in Lancaster
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Lancaster drivers rank 12 in the number of speeding infractions per driver.
- Rank within state: #12
- Percent of drivers in Lancaster with a speeding ticket: 15.42%
- Drivers in Lancaster, SC with a speeding ticket in their driving history paid on average 30.13% more than drivers with a clean record
DUI/DWIs in Lancaster
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lancaster drivers rank 62 in the number of DUI’s per driver across all cities in South Carolina.
- Rank within state: #62
- Percent of drivers in Lancaster with a DUI: 0.72%
- Drivers in Lancaster, SC with a DUI in their driving history paid on average --% more than drivers with a clean record
Rude Drivers in Lancaster
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Lancaster drivers rank 7 in rude driving infractions.
- Rank within state: #7
- Percent of drivers in Lancaster with a reckless driving violation: 2.17%
- Drivers in Lancaster, SC with a reckless driving violation in their driving history paid on average 32.64% more than drivers with a clean record.
Safest Drivers in Lancaster
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lancaster drivers rank 13 in clean driving records across all cities in South Carolina.
- Rank within state: #13
- Percent of drivers in Lancaster with clean record: 75.42%
Failure to Yield the Right of Way in Lancaster
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lancaster drivers rank 1 in failure to yield violations per driver across all cities in South Carolina.
- Rank within state: #1
- Percent of drivers in Lancaster with a failure to yield violation: 1.08%
- Drivers in Lancaster, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Lancaster
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Lancaster drivers rank 31 in the number of reckless driving offenses per driver.
- Rank within state: #31
- Percent of drivers in Lancaster with a reckless driving offense: --%
Most Popular Vehicle in Lancaster
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lancaster is the Honda Accord.
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.
3691 Reviews
Insurify is rated 4.8 out of 5 based on 3691 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!
