Insurance in Aiken, SC

South Carolina requires liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Aiken drivers can meet this with any major carrier.

Many Aiken drivers pay $140–$210 monthly for full coverage, though age, record, and vehicle type affect rates.

Progressive and Geico often lead for younger drivers, while State Farm and Allstate are competitive for families.

Yes, insurers in South Carolina use credit-based scores in rating unless restricted by state rules.

Yes, Progressive and several other carriers electronically file SR22s with the South Carolina DMV. Learn more in the South Carolina SR22 guide.

Same day once the policy is active. Digital proof available instantly.

Typically three years, though court or DMV may set different requirements. See timelines in the SC SR22 overview.

Yes, non-owner policies are offered for drivers who don’t own a vehicle but need proof of insurance.

Dwelling, other structures, personal property, liability, and loss of use. Flood insurance is separate.

Yes, bundling with carriers like Progressive, Nationwide, or Travelers can save 10–25%.

Renters coverage averages $15–$20 monthly and can reduce your auto premium when bundled.

Yes, insurers may use insurance scores when determining rates.

Multi-car, home/auto, and renters/auto bundles are common. Savings range 10–25%.

Yes, Snapshot telematics is available and rewards safe driving with possible 30% discounts.

Yes, carriers like State Farm, Progressive, and Allstate provide discounts for qualifying grades.

Yes, some carriers extend discounts for military members, educators, or certain professions.

Yes, Progressive and other carriers offer motorcycle coverage for Harley, Yamaha, Kawasaki, and more.

Yes, many specialty vehicles can be insured through endorsements or separate policies.

Yes, RV coverage is available. Bundling with auto can lower costs.

Yes, agreed value policies are offered for collector vehicles.

File online, via app, or through your agent. Many carriers offer 24/7 claims service.

Yes, most carriers allow flexible billing dates with auto-pay setup.

Yes, digital ID cards are accepted at traffic stops and DMV visits.

Comprehensive claims usually raise rates less than at-fault accidents. Severity and history matter.

Rates are typically average compared to larger metro areas like Columbia or Charleston.

Yes, storm risks can influence homeowners and comprehensive auto coverage rates.

Commonly insured vehicles include Ford F-150, Chevy Silverado, Toyota Camry, and Honda Civic.

Yes, ZIP-specific data like accident rates and theft risk influence premiums.