Cheap Auto Insurance Quotes in North Charleston, SC (June 2022)

South Carolina is notorious for being a difficult place to drive and North Charleston is a city that can certainly test your patience. It’s been noted that 48 hours of each week on the road is made up of huge traffic jams, and the city has been ranked as the 43rd most congested city in the nation. North Charleston’s population is only just over 100,000 people, yet it feels as if many more are on the road. It’s crucial for residents to enroll in robust auto insurance, as an accident can happen easily in this busy place.

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.

North Charleston, SC DMV Information

As if traffic weren’t bad enough, trying to visit the DMV in North Charleston is also a time-consuming task. There’s just one office within the city limits and it’s open Monday through Friday from 8:30 a.m. to 5 p.m., with the exception of a 9:30 a.m. start time on Wednesdays. Residents who want to try their luck at another location can make a short drive to Charleston or Mount Pleasant.

Public Transportation in North Charleston, SC

Given that North Charleston is a relatively small city compared to other major metropolitan areas, individuals without a vehicle will find that public transportation is minimal. The city is included in the greater Charleston Regional Transportation Authority system, so there might be some gaps in coverage depending on where you need to go. For consistent and reliable transportation, a rideshare service like Uber or Lyft is your best option.

How to get the best and cheapest car insurance in North Charleston, SC

Many people love living in North Charleston, as the area is rich in history and offers a number of things to do at any time of the year. However, driving in this city can be quite frustrating and even sometimes dangerous, as winter weather can create hazards on the road. If you do choose to drive in North Charleston, it’s recommended that you enroll in a robust car insurance policy in the event of an accident.

Keep in mind that full coverage doesn’t have to be expensive, as many people save more than they thought they would by using Insurify. Simply answer a few questions and you can compare quotes online from multiple insurance companies with ease. Insurance in North Charleston doesn’t have to be costly when you use Insurify!