Auto Insurance in South Carolina
South Carolina’s auto insurance rates are on the low side — on average $1,344 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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South Carolina is a largely rural state with some urban hubs. Hurricanes pose an annual threat to property and lives, especially from August to October. Hurricanes are more likely to damage coastal areas while inland populations are relatively safe. The state experiences about 14 tornadoes per year, although they rarely cause significant property damage. Thunderstorms, however, often bring hail that can damage vehicles and other property.
South Carolina Minimum Liability
South Carolina’s state minimum liability coverage is relatively low, especially compared to the recommended minimum coverage of $50,000 per person for bodily injury and $100,000 per accident. This is known as 50/100 coverage. While 50/100 is the recommended minimum coverage, 100/300 is the ideal coverage for drivers.
The average bodily injury claim in 2013 was $15,443. The average auto liability claim for property damage was $3,231. Since these are average costs, you can expect at least half of claims to exceed them. If you incur damage costing more than your policy’s coverage limit, you’ll have to pay extra costs out of your own pocket. This makes 100/300 coverage a better option for people who can afford higher premiums.
Getting quotes from several auto insurance companies is the best way to compare rates and coverage levels. That way, you can choose an affordable policy that gives you the coverage you need. It’s important to get several quotes because insurance companies review driver profiles differently. The research takes some time, but the savings and better coverage is often worth the effort.
Cheapest Car Insurance in South Carolina
- $1,265SC Farm Bureau Mutual
- $1,246State Farm
If price is your biggest concern, then you should get quotes from these low cost insurance companies. After comparing auto insurance providers in South Carolina, we found that they have the cheapest prices.
Choosing one of these companies should make your car insurance more affordable. Keep in mind, though, that some companies may cut corners to offer cheap prices. This could affect the quality of customer service and the ease of getting claims reimbursed. In many cases, the cheapest insurance providers are national corporations that are not as intimate as local companies.
Most Popular Companies by Marketshare
- SC Farm Bureau Mutual
- State Farm
The companies we’ve listed here are the most popular car insurance providers in South Carolina. Many of them become popular by catering to the specific needs of South Carolina drivers. Just because a company is popular, however, doesn’t mean it’s one of your best options. An insurance company may become popular by spending a lot of advertising in the state’s biggest cities. They’re recognizable, but they don’t necessarily have the lowest rates or best coverage options.
It’s a good idea to get quotes from these popular insurance providers. Just make sure you compare them with less popular options to get the best coverage at an affordable price.
Choosing the Best Car Insurance in South Carolina
The best car insurance companies usually offer affordable prices and features that will meet your needs for years to come. The most popular auto insurance providers have some of the best reputations in the state. This should make them good options for your insurance needs.
We consider several factors when determining the top insurance providers in South Carolina. Customer service, fair premiums, solid financial standing, a fair claims process, and extensive coverage options are among the most important features. We also consider whether the companies offer discounts and give customers access to real agents.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
Several factors can affect exactly how much you have to pay for auto insurance in South Carolina. Where you live often contributes to the cost of insurance premiums. Drivers in North Charleston pay the highest premiums in the state while those in Greenville usually pay less than the state average.
Since car insurance premiums vary in South Carolina cities, it’s important to get several quotes to help you make an informed decision. When you get quotes, compare them to state and national averages to make sure you’re getting a good deal.
Charleston Auto Insurance
Charleston is a popular tourist destination with several important historical buildings. Despite having the second-largest population in South Carolina, Charleston’s 127,999 residents pay auto insurance premiums that closely align with the state’s average. The urban areas of Charleston are serviced by a public transit system that mainly relies on buses. Rural areas on the city’s perimeter have less access to public transportation. Most people in the area rely on private vehicles.
Columbia Auto Insurance
With a population of 133,358 people, Columbia is the largest city in South Carolina. It also has one of the state’s highest auto insurance prices. Still, the price is just a little above the state average and is very close to the national average. The Columbia area is served by a large public transit system that extends to suburbs and nearby towns. Efforts to expand the service has made buses more popular. Still, residents who can afford personal vehicles typically buy them.
Greenville Auto Insurance
Greenville is a relatively small city with just over 56,000 residents. Drivers in Greenville pay the state’s lowest premiums. Greenville has a train station that connects it to many cities along the East Coast, including New York City, Baltimore, and Washington, DC. It doesn’t, however, have a large public transit system operating in the city. Most people therefore own their own cars. This makes it important for them to compare rates and policies so they can get good options at affordable prices.
North Charleston Auto Insurance
North Charleston’s population of 104,054 people makes it the third-largest city in South Carolina. Its proximity to Charleston makes it seem even larger since it is often difficult to tell when you have left one city and entered the other. This may help explain why North Charleston has the state’s highest auto insurance premiums. Drivers should research their options to make sure they don’t spend more than necessary.
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