However, rates can vary based on factors such as your driving history, age, and specific location within the state.
In South Carolina, the minimum liability insurance requirements are:
Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
These minimums ensure that drivers can cover certain costs if they’re at fault in an accident. However, opting for higher coverage limits can provide additional financial protection.
To obtain the most accurate and personalized insurance rates, it’s advisable to compare quotes from multiple insurance providers. Companies like Progressive and GEICO offer online tools and calculators to help determine the appropriate coverage levels and provide customized cost estimates based on your unique circumstances.
Liability Limits: $25,000 each person $50,000 each accident $25,000 Property Damage
Uninsured Motorist: 25/50/25
Underinsured Motorist: Rejected
Medical Payments: Rejected
Comprehensive/Collison Deductible: Rejected
In some states, it IS permissible to reject uninsured motorist coverage.
Liability Sample Quote: Insurance Rate Factors
State: South Carolina
Gender: Male
Age Group: 60s
Legal Marital Status: Single
Prior Insurance: Yes
Violations: No
SR-22: No
Discounts Applied to this Liability Sample Quote:
Education Discount
Paid-in-Full
Paperless Discount
Multi-Vehicle Discount
Automatic Payments
Driving App
Bundle/Multi-Policy Discount
Homeowner
Continuous Insurance
5-Year-Accident-Free: Good Driver Discount
Additional Notes: This person has a good driving record!
Disclaimer: The purpose of this page is to showcase an estimate of what insurance may cost an individual with these products and/or circumstances. This is based on a real liability sample quote.
What Is Liability?
Liability car insurance is a type of auto insurance coverage that helps pay for damages and injuries you may cause to other people or their property while driving your car. This insurance typically covers the cost of damage to the other driver’s car, medical expenses for any injuries sustained, and any property damage that occurs as a result of the accident.
Liability car insurance is mandatory in most states in the United States, and it is typically required by law to ensure that drivers can financially compensate others if they cause an accident. Liability insurance does not cover the cost of damage to your own car or any injuries you may sustain in an accident. For this reason, many people choose to purchase additional coverage, such as collision or comprehensive insurance, to protect themselves and their vehicle.
Liability insurance typically has two types of coverage limits: bodily injury liability and property damage liability. Bodily injury liability covers the cost of medical expenses, lost wages, and pain and suffering for the other driver and their passengers if you are found to be at fault for the accident. Property damage liability covers the cost of repairing or replacing the other driver’s car or any property that is damaged as a result of the accident. The coverage limits for liability insurance vary by state and by insurance company.
Does Credit Affect Your Auto Insurance Rates?
Yes, your credit score can affect your auto insurance rates in many states in the United States. Insurance companies use various factors to determine your insurance premium, and credit history is one of the factors considered.
Insurance companies use credit-based insurance scores, which are different from credit scores used by banks and other financial institutions. Credit-based insurance scores are used to predict the likelihood of you filing a claim, and they are based on your credit history, payment history, outstanding debt, and other financial factors.
Studies have shown that there is a correlation between credit-based insurance scores and insurance claims. People with poor credit scores tend to file more insurance claims, and as a result, they may be charged higher insurance premiums. However, not all states allow insurers to use credit-based insurance scores, and some states have restrictions on how credit scores can be used to determine insurance rates.
If you’re concerned about how your credit score might be affecting your auto insurance rates, it’s a good idea to check with your insurance company or agent to find out if they use credit-based insurance scores in your state. You can also work to improve your credit score by paying your bills on time, reducing your debt, and monitoring your credit report for errors.
6-Month Premium:
$ 1,810.00
Monthly Installments:
$301.64
Curious to see what YOUR quote would be? Click here to fill out an online form to receive a estimate or give us a call at 888-445-2793.
Need Some Proof? Check Out Some of Our Reviews!
Lauren saved me a few hundred dollars at my 6 month renewal. She was kind and helpful, makes the process easy for people that don’t want to spend time comparing quotes from all possible options.
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Nathan W.
7/18/2022
My agent Amanda Moss did an outstanding job. I got Mossed tonight and now I can get my license. Thanks Amanda
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Albert L.
12/24/2023
Owner Response: Thank you Thaka, we appreciate you being a long time customer with our company!
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Amaru T.
5/21/2022
She was extremely kind and helpful, very patient and helps find the best plan for you
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Jasmine “.
11/21/2021
Jola was very helpful and helped me get my insurance switched over to progressive very quickly
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Kayla K.
7/21/2021
Katie was so patient and very helpful. I received the most reasonable insurance rate from this company. Thank you.
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V
1/21/2022
Both Katie and Justine were SUPER helpful, got me exactly what I needed and fast!!! Thank you!!
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Nathan O.
8/21/2021
Crystal is exceptional , the process was painless . She is magnificent with her ability to explain what I needed for my SR 22 and the importance of not letting my coverage lapse in the future. I highly recommend Calhan auto insurance. She also submitted my SR 22 to the DMV for me, saving me an additional step In the process.
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Earl G.
8/11/2022
This car insurance agency was the best I’ve used so far! I was able to find the best quote for what I could afford. Marlon, the agent who helped me was really professional and friendly. During this stressful time in my life, I found this company to be extremely helpful. Customer service was over and beyond my expectation.
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Ashley J.
7/14/2022
Veronica was very pleasant as well as professional. Most definitely knew how to do her job proficiently. I will definitely use her again in 6 months when its time to renew my policy.
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Embry B.
7/04/2022
I was in need of insurance and quickly, behold I stumble across Marlon. The best customer service I’ve ever received. Marlon made finding insurance and setting up a policy waaaay easier than I thought it was going to be! I will forever be thankful for Marlon, I will always think of you. Thank you so much Marlon!!!!!!!!!!! 💖
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Ashawna C.
3/01/2023
Made it super easy to get setup. The best part is I got offered rates from many companies and my personal information was kept private!
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Simon D.
8/14/2022
Chrystal was great! She made obtaining insurance painless and saved me a significant amount on my premium! I highly recommend her services.
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Ddoc H.
12/21/2021
Katie has helped me before and yet again she was stellar! She's so nice and explains everything perfectly. She's wonderful!
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Jeff K.
7/21/2021
Great staff very helpful made sure I'm saving the most money absolutely the best quote I received by like 30$ so I definitely recommend going threw them to find the best deals and Lauren was absolutely amazing
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Gabriel M.
10/21/2021
Insurance provisions: first time resident 55 acquire fast home insurance print UT Prior insurance: None... Looking to bundle auto insurance for Subaru.
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Young J.
7/14/2022
Amazing and patient!
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Brittany L.
10/25/2022
The agents their are amazing
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Mike H.
10/21/2021
Very friendly and made the whole process easy! Will definitely recommend to friends and family!
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Rachael S.
7/21/2021
Crystal Farley did an excellent job finding the best policy at the most affordable rate! She is very knowledgeable and a pleasure to work with! I highly recommend A Auto Insurance!!
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Jason
6/23/2023
I have been dealing with your company for many years. I called spoke with your agent Crystal she was able to get me the best and lowest rate possible. She is is very helpful and courteous person, I am glad she is part of your team. I wish her the best.
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Berhe H.
3/01/2023
Katie has been so kind and helpful. She was understanding, worked hard, and was able to get me a lower rate.
Notes: Married couple with a youthful driver. Looking for Auto insurance on 2015 CHRYSLER TOWN & COUNTRY and 2005 FORD MUSTANG investment friendly options for renters insurance snapshot Discount. WI Prior insurance Discount through Bristol West.