South Carolina might be known for its stunning white sand beaches and marsh-like sea islands, but there are plenty of drivers that need to get from Point A to Point B. And they need affordable car insurance to do so.
Whether you’re moving to the Palmetto State and looking for car insurance, or you’re a South Carolininian that’s sick and tired of overpaying for insurance, we’ve got you covered. Keep reading for everything you should know about car insurance in SC, including cost, coverage options, and tips to save.
Let’s get started.
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The neat thing about car insurance is that you can really personalize your policy to what you want and need. You’ll hear terms like minimum and full coverage, but these are just guidelines; minimum coverage is the minimum amount of car insurance you need to have to drive in South Carolina, while full coverage includes liability, comprehensive, and collision.
But that’s not all. Here are all of your coverage options:
These are the main buckets of coverage that you can choose from to build out your policy. As long as you’re satisfying state minimum requirements (more on that later), you can choose what to leave out and what to include based on your unique needs.
But these aren’t all the situations in which you could benefit from insurance. This is where riders or endorsements come into play. We’ll review those next.
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Every driver needs car insurance—it’s the law. But exactly how much car insurance they need varies by state. In South Carolina, you’ll need the following coverage to get behind the wheel legally:
This means that all you need to have is coverage that protects other drivers in an accident you cause. The above requirements don’t actually protect you or your vehicle in an accident that you’re at fault for, so it’s strongly recommended to get more than the minimum amount of coverage. Otherwise, you’re on the hook for your own medical bills, car repairs, and more.
Luckily, full coverage is more affordable than you might think. Next, we’ll cover costs and savings to give you a better idea.
While we know everyone would like to have more insurance than they could need, the cost is a major factor. Here’s the low down on average rates in SC:
These numbers are designed to give you a better idea of what you’ll pay but your actual rates will depend on a number of factors, including:
This is because each insurance provider uses a different formula for calculating rates based on the above factors.
But there are things you can control, like choosing a safer vehicle, maintaining a clean driving record, and if moving to South Carolina, choosing a cheaper town for car insurance like Salem instead of Crocketville, which pays the highest rates in South Carolina.
Tip: South Carolina is known for its slow living, incredible golf, and beautiful beaches. Where better to retire? If you’re thinking about your golden years, grab our free retirement planning guide to help make sure you’ve covered all your bases.
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The above-average rates should give you an idea of what you can expect to pay for car insurance in SC. But if the rates sticker shocked you, don’t worry: we’ve got helpful tips and tricks to get you savings on car insurance.
Here are the best ways to save on car insurance:
Saving on car insurance can take a little bit of legwork, but it’s worth it when that money is back in your pocket. If you can only do one thing, make sure to compare multiple quotes before signing on the dotted line.
We make it easy for you. Get access to free quotes here, and you’ll be on your way to saving on car insurance in South Carolina.
Now that you’re an expert on car insurance, it’s time to get you the best deal possible. You deserve to have affordable car insurance that you can rely on.
As you know, the first step now is to gather quotes. Be sure to compare them for not just cost, but also factor in discounts you’re eligible for, customer service ratings, financial stability, and other perks that you might enjoy like a mobile app.
Affordable coverage is out there. Let’s get you it, South Carolinians. Start by getting access to car insurance quotes here.
We’ve got you covered.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
