South Carolina is a beautiful state known for its scenic highways, charming coastal towns, and bustling cities. Whether you’re commuting in Charleston, cruising down Myrtle Beach, or driving through the countryside, having the right car insurance in South Carolina is essential.
In this guide, we’ll cover everything you need to know about Car Insurance in South Carolina, including minimum requirements, average costs, the best insurance companies, and tips to get affordable coverage.
Minimum Car Insurance Requirements in South Carolina
South Carolina law requires all drivers to have at least the following minimum coverage:
✅ Liability Insurance:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
✅ Uninsured Motorist Coverage:
- Same minimum limits as liability coverage
This means if you’re in an accident and you’re at fault, your insurance will cover damages up to these limits. Uninsured motorist coverage protects you if you’re hit by someone without insurance.
Average Cost of Car Insurance in South Carolina
The cost of car insurance in South Carolina varies based on factors such as your driving history, age, location, and the type of coverage you choose. Here’s what you can expect:
- Minimum Coverage: Around $600 – $1,200 per year
- Full Coverage: Ranges from $1,500 – $2,500 per year
💡 South Carolina’s insurance rates are slightly higher than the national average due to frequent hurricanes, heavy traffic, and high uninsured driver rates.
Factors Affecting Insurance Rates:
✅ Driving record (accidents, DUIs, traffic violations)
✅ Credit score
✅ Vehicle type and model
✅ Age and marital status
✅ Location (urban vs. rural)
Best Car Insurance Companies in South Carolina
To help you choose the best policy, here are some of the top-rated car insurance providers in South Carolina based on affordability, customer service, and claims satisfaction:
1. State Farm
⭐ Best for: Affordable rates & great customer service 💰 Average Premium: $1,300/year
2. Geico
⭐ Best for: Low rates & digital tools 💰 Average Premium: $1,200/year
3. Progressive
⭐ Best for: High-risk drivers & discounts 💰 Average Premium: $1,500/year
4. Allstate
⭐ Best for: Comprehensive coverage options 💰 Average Premium: $1,700/year
5. USAA (for military members)
⭐ Best for: Military families 💰 Average Premium: $1,100/year
How to Get Cheap Car Insurance in South Carolina
Want to lower your South Carolina car insurance rates? Here are some money-saving tips:
✅ Compare Quotes: Always shop around to find the best deal.
✅ Bundle Policies: Combine auto and home insurance for discounts.
✅ Increase Deductibles: A higher deductible lowers premiums.
✅ Maintain a Clean Record: Avoid accidents and traffic violations.
✅ Ask About Discounts: Many insurers offer good driver, military, and multi-car discounts.
High-Risk Drivers in South Carolina: What You Need to Know
If you have a poor driving record (DUI, multiple accidents, or speeding tickets), you may need SR-22 insurance, which proves you meet state requirements. Expect to pay higher premiums, but you can still find affordable options by comparing multiple providers.
Frequently Asked Questions on Car Insurance in South Carolina:
1. What are the minimum car insurance requirements in South Carolina?
South Carolina law requires drivers to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
- Uninsured motorist coverage equal to minimum liability limits
2. Is car insurance mandatory in South Carolina?
Yes, all registered vehicles in South Carolina must have at least the state-mandated minimum coverage. Driving without insurance can lead to fines, license suspension, and SR-22 filing requirements.
3. How much does car insurance cost in South Carolina?
The average cost of car insurance in South Carolina is around $1,500 per year for full coverage and $600 per year for minimum liability coverage. However, rates vary based on factors like age, driving history, credit score, and location.
4. What factors affect car insurance rates in South Carolina?
Several factors influence your premium, including:
- Age and driving experience
- Vehicle make and model
- Driving record (accidents, violations)
- Credit score
- ZIP code (urban areas typically have higher rates)
- Coverage limits and deductibles
5. Does South Carolina require uninsured motorist coverage?
Yes, uninsured motorist coverage is required and must match the minimum liability limits. This protects you if you’re hit by a driver who doesn’t have insurance.
6. Can I drive without car insurance in South Carolina if I pay an uninsured motorist fee?
No, South Carolina does not offer an uninsured motorist fee option. You must have at least the minimum required insurance to legally drive.
7. How can I get cheaper car insurance in South Carolina?
To lower your premium, consider:
- Comparing quotes from multiple insurers
- Bundling home and auto insurance
- Raising your deductible
- Maintaining a clean driving record
- Taking defensive driving courses
- Asking about discounts (good driver, multi-car, military, etc.)
8. What should I do after a car accident in South Carolina?
If you’re in an accident:
- Check for injuries and call 911 if necessary
- Exchange information with the other driver
- Take photos of the scene and damages
- File a police report if required
- Notify your insurance company and start the claims process
9. How long does an accident stay on my insurance record in South Carolina?
Typically, an accident or violation remains on your insurance record for three to five years, depending on the severity. More serious offenses, like DUIs, can impact your rates for longer.
10. Are there special car insurance rules for teen drivers in South Carolina?
Yes, teen drivers must follow the state’s Graduated Driver Licensing (GDL) program. Parents should add them to their policy, which may increase premiums, but good student discounts and driver training can help reduce costs.
Final Thoughts on Car Insurance in South Carolina
Finding the right car insurance in South Carolina can be overwhelming, but understanding your options helps you make informed decisions. Whether you’re looking for cheap car insurance, full coverage, or specialized policies, South Carolina offers plenty of choices.
🔹 Compare quotes and look for discounts.
🔹 Choose coverage based on your driving habits and needs.
🔹 Stay insured to avoid fines and penalties.
By following these steps, you can get the best protection at the best price. Safe driving! 🚗💨
Want to know more about other insurances, Read our latest articles.
