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Motorcycle Insurance with A Plus Insurance

South Carolina Motorcycle Insurance Requirements

Motorcycle Insured is required by law in SC but our agents are here to help!

South Carolina is known for its shoreline of subtropical beaches and marsh-like sea islands. The abundance of natural beauty is a motorcyclist’s paradise.  So whether you are passing through the Palmetto State on two wheels or you have just taken up residence, here are some things you should know.

The South Carolina Law requires of you to carry insurance whenever you ride your motorcycle on the state roads. In South Carolina Motorcycle Insurance required amounts of liability insurance are as follows:

$25,000―per person for bodily injury
$50,000―per accident for bodily injury
$25,000―per accident for property damage

While it is mandated by the state to carry liability insurance, you should also add physical damage coverage as well as uninsured/underinsured motorist and medical payments to your policy.  

Physical damage is also known as comprehensive, and collision will provide coverage if your bike is stolen or damaged by hail. Read more about other coverages on a motorcycle policy here.

South Carolina Motorcycle Insurance Statistics

South Carolina is considered one of the most dangerous states for motorcyclists.

There were 135 motorcyclist deaths on South Carolina roads in 2016. While insurance can protect you financially, you should always wear a helmet. 

Approximately three-quarters of motorcycle riders who died on roads in South Carolina over the past ten years did not have on a helmet at the time of their crash.

While there other contributors such as unsafe roads and distracted driving, deaths related to no helmets can be prevented.

South Carolina Motorcycle Insurance : Follow these Pointers for Safe Riding

South Carolina Motorcycle Insurance
South Carolina Motorcycle Insurance

Wear a Helmet

Never ride without a helmet with a face shield or protective eyewear. Using a helmet is the only way to protect against critical head injuries. A motorcyclist not wearing headgear is five times more likely to suffer from a severe head injury.

Dress Appropriately

Make sure to wear gear and clothing that will protect and minimize the number of injuries caused by an accident or a skid. Protective gear includes wearing leather clothing, boots with nonskid soles, and gloves. You may also consider adding reflective tape to your jacket to make it easier for other drivers to see you.

Always Obey the Rules of the Road

Follow the speed limit; remember the faster you go, the harder it is to stop. Know the local traffic laws and rules of the road.

Ride Safely & Alert

Never assume other drivers can see you, as nearly 60 percent of all motorcycle accidents occur when other drivers do not yield the right of way to riders. Keep your headlights on; avoid other driver’s blind spots; use signals well before any change in direction, and keep an eye out for vehicles that are turning.

Stay Educated

Take a formal riding education program, get licensed and take additional riding courses when possible to promote excellent riding techniques.

Never Drink & Ride

Never drink and ride; it is illegal, and you could cause harm to yourself or others. Fatigue and drowsiness also impair your ability to react, be sure that you are well rested when you hit the road.

South Carolina Motorcycle Insurance : Planning To Ride

Prepping your motorcycle for the road is just as important as practicing safe riding and maintaining South Carolina Motorcycle insurance coverage. Should something be wrong with your bike, it will be in your best interest to find out before hitting the road. Here are some checks you can perform to ensure that your bike is in good working order:

  • Tires: Look for any cracks or bulges, or other signs of wear in the treads (blowouts are the result of low tire pressure and other anomalies)
  • Under the motorcycle: Check for oil or gas leaks
  • Headlight, taillight, and signals: Make sure that all lights are functioning and test for high and low beams
  • Hydraulic and Coolant fluids: Ideally, levels should be checked weekly
  • Once you are on the motorcycle, complete the following checks:
  • Clutch and throttle: Check that they are working smoothly
  • Mirrors: Clean and adjust all mirrors to ensure the best viewing
  • Brakes: Test front and rear brakes for firmness and hold the motorcycle still when fully applied
  • Horn: Test the horn

South Carolina Motorcycle Insurance : Scenic Motorcycle Routes

Now that you have the proper South Carolina motorcycle insurance knowledge and the best safety tips get out there and try some of these fantastic scenic adventures.

Sumpter National Forest – Short Loop81.6 miles
Junction to Junction Loop86.4 miles
Lake Moultrie Loop96 miles
Great Falls to Camden34.1 miles
Savannah River Scenic Byway112 miles
Ride for Kids: Greenville IMS Twisties86 miles
Ride for Kids: Greenville IMS Pickens Loop96 miles
Ride for Kids: Greenville IMS Brevard Route99 miles
Road2ACure: Walterborugh SC to Louisville KY728.7 miles
Huger Loop94 miles
South Carolina Motorcycle Insurance

When it comes to motorcycle insurance in South Carolina, here are some tips and tricks to consider:

  1. Understand Minimum Coverage Requirements: South Carolina requires motorcyclists to carry liability insurance coverage, including bodily injury and property damage liability. Make sure you understand the minimum coverage limits mandated by the state.
  2. Consider Additional Coverage: While meeting the minimum requirements is essential for legal compliance, it may not provide adequate protection in all situations. Consider additional coverage options such as uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments coverage, and roadside assistance.
  3. Shop Around for Quotes: Insurance rates can vary significantly between providers, so it’s essential to shop around and compare quotes from multiple insurance companies. Consider factors such as coverage limits, deductibles, and any available discounts when evaluating quotes.
  4. Bundle Policies for Savings: If you have other insurance policies, such as auto or homeowners insurance, consider bundling them with your motorcycle insurance policy from the same provider. Many insurers offer discounts for bundling multiple policies.
  5. Maintain a Good Driving Record: Your driving record can impact your insurance premiums. Avoid traffic violations and accidents to maintain a clean driving record, which can help you qualify for lower insurance rates.
  6. Take a Motorcycle Safety Course: Some insurance companies offer discounts to motorcyclists who have completed an approved motorcycle safety course. Taking such a course not only enhances your riding skills but can also lead to savings on your insurance premiums.
  7. Consider the Value of Your Motorcycle: When choosing coverage limits for comprehensive and collision insurance, consider the value of your motorcycle. It may be worthwhile to opt for higher coverage limits if you own an expensive or valuable bike.
  8. Review Your Policy Regularly: Life circumstances and insurance needs can change over time. Periodically review your motorcycle insurance policy to ensure it still meets your needs and provides adequate coverage.
  9. Ask About Discounts: Inquire with your insurance provider about available discounts that you may qualify for. Common discounts include those for safe riders, multi-policy discounts, anti-theft device discounts, and more.
  10. Read the Fine Print: Before purchasing a motorcycle insurance policy, carefully review the terms, conditions, and exclusions outlined in the policy documents. Ensure you understand what is covered and what isn’t to avoid surprises in the event of a claim.

What types of coverage are available in South Carolina Motorcycle Insurance?

South Carolina Motorcycle Insurance typically offers coverage options such as liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and accessory coverage.

How can I get a quote for Motorcycle Insurance in South Carolina?

To get a quote for Motorcycle Insurance in South Carolina, you can visit our website or call our office directly to speak with an agent who will assist you in obtaining a personalized quote.

Need help with Motorcycle Insurance in South Carolina?

Feel free to call us at 1.888.445.2793 for assistance with Motorcycle Insurance in South Carolina. Our team is here to help you with your insurance needs.

Additional Helpful Links

Cheap Car Insurance Elgin
South Carolina Insurance Guide
SR22 Insurance in South Carolina
Auto Insurance Greenville
Motorcycle Insurance Greenville
Anderson, SC Insurance
Belton, SC Auto Insurance
Bluffton, SC Auto Insurance
Fort Mill, SC Auto Insurance
South Carolina Homeowner’s Insurance
South Carolina Motorcycle Insurance


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FAQs About A Plus Insurance and Motorcycle Insurance in South Carolina

What types of motorcycle insurance does A Plus Insurance offer in South Carolina?

A Plus Insurance in South Carolina offers various types of motorcycle insurance, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. We can help you tailor your motorcycle insurance policy to meet your specific needs.

How can I obtain a motorcycle insurance quote from A Plus Insurance for my South Carolina bike?

Requesting a motorcycle insurance quote from A Plus Insurance in South Carolina is simple. You can visit our website and use our online quote request form to receive a personalized insurance quote for your motorcycle. Alternatively, you can contact our South Carolina office by phone, and our experienced agents will assist you in finding the right motorcycle coverage.

What are some factors that can affect my motorcycle insurance rates in South Carolina?

Several factors can influence your motorcycle insurance rates in South Carolina, including your riding history, the type of motorcycle you own, your coverage choices, and your location. Additionally, factors like your credit score and the number of claims you’ve made in the past may also impact your premiums. A Plus Insurance can help you find ways to potentially lower your rates.

How much is motorcycle insurance in South Carolina?

The cost of motorcycle insurance in South Carolina varies based on several factors, including the type of motorcycle, your driving record, and the level of coverage you choose. A Plus Insurance can provide you with a detailed estimate tailored to your specific situation.

Does South Carolina require motorcycle insurance?

Yes, South Carolina requires all motorcycle owners to have motorcycle insurance. The state mandates a minimum amount of liability insurance to legally operate a motorcycle on the road. A Plus Insurance can help ensure you meet these legal requirements with the appropriate coverage.

What is the cheapest motorcycle insurance provider in South Carolina?

Finding the cheapest motorcycle insurance provider in South Carolina depends on various factors, including your specific needs and circumstances. A Plus Insurance works with multiple insurance carriers and can help you compare rates to find the most affordable option for you.

Last Updated on by Marlon Moss

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