South Carolina Car Insurance
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UPDATED: Jul 8, 2020
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South Carolina car insurance laws require all drivers to carry liability car insurance however liability insurance only covers damage to other people so its wise to consider a well rounded auto insurance policy. Conforming simply to minimum South Carolina car insurance requirements will certainly result in affordable car insurance and avoid ticketing but still leaves you open to great personal liability in the event of an accident.
South Carolina Car Insurance Laws
Car insurance requirements in South Carolina (as set by the South Carolina DMV) require all registered vehicles to carry auto insurance. Failure to show proof of insurance while registration a vehicle will be cause for denial of tags and if you convicted of driving with no insurance you may be subject to license suspension, heavy fines and more penalties. South Carolina car insurance laws (2010) require all drivers to carry liability car insurance of at least 25/50/25. This means at least:
- $25,000 liability insurance coverage per accident for injuries to one person
- $50,000 liability insurance coverage per accident for injuries to all persons
- $25,000 property damage liability insurance
Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:
If you are considered at-fault in a South Carolina car accident the injured parties can sue you for damages and if the results of such litigation ends up in awarding the plaintiff more monies than your policy coverage then you can be held personally liable. Most South Carolina drivers opt for a well rounded policy which includes policy coverage well exceeding $100,000 and some form of comprehensive and collision coverage along with other optional forms of insurance (rental car reimbursement for example).
State minimum car insurance laws are only established to provide some layer of financial protection to the general public. Purchasing car insurance which only meets these minimum requirements however will never provide sufficient coverage for most drivers.
Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:
South Carolina Car Insurance Companies
South Carolina has a very active car insurance industry with over 115 auto insurance providers licensed in the state. While some drivers opt for national brands such as Esurance, Geico and State Farm others consider smaller, regional providers. It is really hard to define the best car insurance company in South Carolina since ever driver has a different opinion. What you should do is always try and compare car insurance companies equally which means making a list of items such as:
- Company Reputation
- Claims Handling Process
- Account Management Options
- Payment Options|
- Local Agents
- Customer Service Hours
How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in SC.
Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in South Carolina.
Six major factors affect auto insurance rates in SC. Which car insurance factors will affect your rates the most? Find out below:
Who is the cheapest car insurance company in SC? Review the average auto insurance rates by company below:
Who are the largest auto insurance companies in South Carolina?
And anything else which is important to you. While some drivers simply compare car insurance rates you really need to look at all the factors of an auto insurance company since the only time you will really need them is in the event of an accident – which is also the most important time.
Compare Car Insurance Rates in South Carolina Today!