South Carolina Car Insurance

Last Updated on August 9, 2020

Whether you’re touring Myrtle Beach’s Grand Strand or taking a sightseeing drive through charming Charleston, South Carolina is a tourist attraction for sure. That means locals not only have to deal with in-state drivers but out of state drivers as well. Even locals use the many major highways that run through the state and when high speed and bad driving mix, serious accidents happen. But even fender benders can cause damage to your car. That’s why, no matter which part of South Carolina you’re driving in, it’s important to be properly insured. But, how do you find the best policy for your needs?

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South Carolina Auto Insurance Guide (Image source – FLICKR)

Simply head over to the multiple resources that Insurance Panda provides to get started. We know the value of not just having insurance, but having the right insurance. It can protect you when you get injured in an accident, if your car is stolen, or if a hurricane comes along and knocks a tree down on your car. You never know what’s going to happen and accidents can occur at any time. That’s why it’s important to have your South Carolina car insurance policy before you get on the road.

Average Auto Insurance Prices in South Carolina

Car insurance is a legal requirement in the Palmetto State, so don’t even think about skipping coverage because of the high insurance prices. Our quote comparison tool can help you find several different prices that suit your needs. First, it’s important to understand how your personal quotes are developed. The type of coverage you choose is one factor but there are others that come into play. Things like your driving record, where you live, your age and gender, the make and model of your car as well as your credit score can make the difference between an affordable premium and one that costs an arm and a leg.

If you really want to save money, ask your insurance agent if you qualify for potential discounts. Many times, bundling your policies through one provider can result in a significant discount. Other methods include paying your premium in full as well as a student, military, or senior discounts.

Current average annual auto insurance premiums in the United States: $1666.62

Current average annual auto insurance premiums in South Carolina: $1095.00

Most Expensive South Carolina Insurance Rates

1. Allendale (29810): $1161

2. Grays-Tillman (29934): $1156

3. Brunson (29911): $1155

4. Fairfax (29827): $1154

Least Expensive South Carolina Insurance Rates

1. Seneca (29672): $840

2. Walhalla (29691): $843

3. Central (29630): $852

4. Walhalla (29696): $853

South Carolina Minimum Auto Insurance Requirements

Maintaining the bare minimum for auto insurance will ensure that you’re obeying the law, but that’s not the main point of South Carolina insurance. The main point is to protect you when something goes wrong and unfortunately, the legal minimum requirements are hardly enough to cover expenses if you have an accident. Let’s look at an example.

Let’s say you caused an accident that involves three cars and only have the legal requirements for auto insurance. The total damage to the two cars combined equals $78,000 because one car was brand new and completely totaled. The total bodily injury for one person is $28,000 and for all injured parties is $54,000. Your car and injuries aren’t covered at all because you only have liability. For the other damages, your total property damage out of pockets costs are $53,000 and the total bodily injury costs are $8,000. How will you pay for this?

Buying extra coverage can seem more expensive, but it’s well worth the extra few dollars every month.

  • Bodily Injury Liability per person: $25,000
  • Bodily Injury Liability per accident: $50,000
  • Property Damage Liability: $25,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $25,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $50,000

The following amounts and policies are most common.

  • Bodily Injury Liability per person: $100,000
  • Bodily Injury Liability per accident: $300,000
  • Property Damage Liability: $25,000
  • Uninsured/Underinsured Motorist Bodily Injury per person: $15,000
  • Uninsured/Underinsured Motorist Bodily Injury per accident: $30,000
  • Medical Payments: $2,000
  • Collision: $250 deductible
  • Comprehensive: $250 deductible

Penalties for Driving Without Insurance in South Carolina

South Carolina requires that all drivers carry proof of insurance, but if you don’t have insurance, you can still pay an uninsured motorist fee and operate your vehicle. The fee is $550 and you must meet a certain requirement to pay this fee instead of purchasing car insurance. Keep in mind that while this might seem cheaper than paying for insurance, you’re still held responsible for any damages and injuries you cause in an accident.

If you haven’t paid this fee and get caught driving without insurance, you’ll receive a citation your driver’s license will be suspended. To get back on the road, you’ll pay a $550 reinstatement fee and be forced to file an SR-22 for 3 years. This type of insurance places you in a high-risk pool of insurance and will significantly raise your premiums. To put the seriousness of an SR-22 into perspective, a few other states only require drivers who’ve received a DUI to file for this type of insurance.

South Carolina takes uninsured drivers very seriously.

How to Get Auto Insurance in South Carolina

Hopefully, you’ve been convinced that finding South Carolina car insurance is important. The next step is to find the right policy for you. It’s not as hard as you think. Simply visit Insurance Panda to get help. We’ve got a quote comparison tool that will put you in touch with local insurance companies. You’ll be able to view their rates and compare policies. Then, simply pick the one that meets your needs!

Additional South Carolina Auto Insurance Resources

The information above is for reference material only and Insurance Panda cannot legally be held responsible for anything written above. For official information, visit these websites:

South Carolina Department of Motor Vehicles

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