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South Carolina Car Insurance Requirements
This is a great place to start when looking for South Carolina Full Coverage Car Insurance quotes. After all, it is the Law.
South Carolina Law dictates that drivers have at minimum Liability limits of 25/50/25. This means that if you are at-fault in an accident, you are covered at $25,000 per person in bodily injury up to $50,000 per incident and $25,000 in property damage. These coverage limits are for the damages of the other party.
For the Best South Carolina Car Insurance Check Some Rates Below:
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| South Carolina | 25/50/25 | $537 |
| Carrier | Price (Average) |
|---|---|
| Dairyland | $79 |
| The General | $87 |
| Bristol West | $92 |
| Mendota Ins. Company | $95 |
| Geico | $104 |
| AssuranceAmerica | $105 |
| National General | $105 |
| Progressive Insurance | $114 |
For South Carolina, however, there is another coverage requirement for the State. That coverage is Uninsured Motorist Coverage Bodily Injury and Property damage. This is a coverage requirement that covers YOU if you are hit by an uninsured driver.
Now what if having Liability Only at the State Minimum is not enough coverage for you and your vehicle? Then you may opt for Comprehensive and Collision Coverage make your Policy FULL COVERAGE.
“Should I get Full Coverage?” Calculator
WHAT IS COVERED UNDER FULL COVERAGE?
As discussed, Full Coverage is adding Comprehensive and Collision to your policy that has liability coverage at the State minimum at least. Meaning you are covered regardless of fault and others are covered if you hit them!
DEFINITION OF TERMS
COMPREHENSIVE : A Policy with Comprehensive coverages protects your vehicle in the case of Non-Collision damages. An example of Non-Collision damages would include: theft, vandalism, an animal, or a weather related event.
COLLISION : A Policy with Collision coverage protects your vehicle when it collides with another vehicle or property.
It is important to note that Full Coverage does not cover everything. Some think that this gets you Rental, Towing, Medical Payments, and other coverages. IT DOES NOT.
DEFINITION OF MORE TERMS
MEDICAL PAYMENTS – Regardless of fault, this coverage helps to pay for the medical expenses of yourself or any passengers with you in the vehicle up to a certain limit. This even includes lost wages.
UNDERINSURED MOTORIST COVERAGES – If you are not-at-fault in an unfortunate accident, and the amount of money the at-fault party has to pay for damages runs out…. this coverage steps in to help pay for the rest, similar to the way uninsured motorist coverages act. (Remember Uninsured Motorist Coverage is required for SC.)
RENTAL COVERAGE – In the case of an accident that leaves your vehicle in the shop, the insurance company will help to cover the cost of a rental vehicle up to a certain amount. This is only in cases when your vehicle is in repair due to a FULL COVERAGE loss. NOT due to vehicle age or out of town vacation rental. (Typically this is covered in the form of reimbursement.)
HOW MUCH IS CAR INSURANCE IN SOUTH CAROLINA PER MONTH?
| CARRIER LIABILITY ONLY | LOW END | HIGH END |
|---|---|---|
| Dairyland | $110.00 | $180.00 |
| The General | $80.00 | $145.00 |
| Bristol West | $110.00 | $180.00 |
| Mendota Ins. Company | $100.00 | $145.00 |
| Geico | $110.00 | $180.00 |
| Assurance America | $110.00 | $180.00 |
| National General | $110.00 | $180.00 |
| Progressive Insurance | $110.00 | $180.00 |
| Acceptance RTR | $90.00 | $145.00 |
| Farmers | $65.00 | $120.00 |
| Nationwide | $110.00 | $180.00 |
| State Auto | $95.00 | $120.00 |
| USAA | $80.00 | $115.00 |
| 21st Century | $110.00 | $200.00 |
| Safeco | $80.00 | $110.00 |
| Travelers | $80.00 | $110.00 |
| State Farm | $105.00 | $160.00 |
| Allstate | $90.00 | $155.00 |
| GAINSCO | $85.00 | $115.00 |
| American Family | $110.00 | $200.00 |
| Liberty Mutual | $110.00 | $200.00 |
By looking at this chart, you will notice a LOW END and HIGH END to the amount you will pay. Obviously, we all want to be on the low end, while having the best South Carolina car insurance possible. So how do you score that?
Well it tends to boil down to rating factors. These are a series of statistics used by the carrier to determine the degree of risk that you are. Increasing your rate to compensate for the loss they believe they’ll suffer by taking you on. Or decreasing your rate because of the lower percentage of a risk you are, passing savings on to you.
Adding Coverage options like rental, uninsured motorist, or other additional coverages will raise the rate as well. Notice the rate for cheap full coverage insurance SC:
| BEST SOUTH CAROLINA CAR INSURANCE CARRIERS FULL COVERAGE | LOW END | HIGH END |
|---|---|---|
| Travelers | $145.00 | $180.00 |
| National General | $160.00 | $195.00 |
| The General | $145.00 | $180.00 |
| USAA | $145.00 | $180.00 |
| American Family | $155.00 | $210.00 |
| Progressive Insurance | $145.00 | $180.00 |
| 21st Century | $140.00 | $190.00 |
| Bristol West | $140.00 | $190.00 |
| State Farm | $130.00 | $175.00 |
| Acceptance RTR | $175.00 | $215.00 |
| Farmers | $160.00 | $180.00 |
| Mendota Ins. Company | $150.00 | $185.00 |
| Allstate | $135.00 | $160.00 |
| AssuranceAmerica | $140.00 | $170.00 |
| Nationwide | $145.00 | $195.00 |
| Geico | $120.00 | $160.00 |
| GAINSCO | $150.00 | $185.00 |
| Dairyland | $145.00 | $185.00 |
| Liberty Mutual | $145.00 | $185.00 |
| State Auto | $175.00 | $220.00 |
| Safeco | $175.00 | $220.00 |
Looking for South Carolina car insurance quotes BUT the prices still too high for you even in the low end? Speaking of the low end, how do you receive those prices? Well let us focus on ways to improve your rate!
| New Customers in South Carolina Save on Average | $600.55 |
| Number of Eggs you could buy | 5415 |
| Pound of bananas you could buy | 1157 |
| Pound of Potatoes you could purchase | 853 |
| Number of Candy bars you could buy | 435 |
| Months of Netflix you could afford with your savings | 43 |
| Number of Peanuts you could buy | 107568 |
Our first order of business in striving to save you money is to hunt for the discounts throughout the entire process! This is how you get the best South Carolina car insurance quotes!
There are savings opportunities by being married, paying automatically with an account and routing number, having no serious violations, and so much more. That is why it is smart to partner with a Brokerage like us!
With the chart below you can see the impact on the rate from Mild to Very High in some cases.
| Impact on Rates | Discounts Available |
|---|---|
| Mild | Homeowners |
| Mild | Married |
| High | Advanced Quote |
| Mild | Multi Policy |
| Mild | Education Discount |
| Mild | Military |
| Very High | Continuous Insurance |
| Mild | Multi Vehicle |
| High | Auto Pay |
In many cases there are different discounts by the carriers!
 |
| Advanced Quote |
| Education Discount |
| Multi Policy |
| Paid in Full |
| Homeowners |
| Military |
| Paperless Discount |
| No Accidents or Violations |
| Multi Vehicle |
| Continuous Insurance |
| Married |
| Auto Pay |
 |
| Military |
| Multi Policy |
| Continuous Insurance |
| Auto Pay |
| Paid in Full |
| Multi Vehicle |
| No Accidents or Violations |
| Homeowners |
| Married |
SOUTH CAROLINA CAR INSURANCE QUOTES – TIPS TO IMPROVE YOUR RATE
So let us break down these discount features and other tips to improve your rate that you CAN control.
Whether is it a discount, a rating factor, or other tips there are ways to improve your rate that you can control. Let’s define each of these really quickly:
RATING FACTOR: Rating factors are pieces of data that is used by the Insurance Carrier to determine your rate.
 |
| No Accidents or Violations |
As you can see above if you have ZERO violations or accidents that is a signal to the Carrier that you have a pattern of safe driving. This Positive rating factor improves your rate giving you monthly premiums in the $130’s for Full Coverage and Liability with Gainsco. As a reminder, accidents and violations will impact your rates heavily for at least for 3 years.
| GAINSCO | $138 |
| GAINSCO | $179 |
DISCOUNTS: Discounts are price decreases to your rate if you take advantage of certain features.
 |
| IntelliDrive Participation |
If you notice the small chart above you will see a discount that Travelers Insurance offers to their customers.
You have the option of opting into an App feature that monitors phone usage and harsh stops associated with speeding resulting in significant discounts of up to 30%. This program is called IntelliDrive, like any discount it is optional.
Other Tips on Savings: Certain carriers offer discounts through other means to save you money. Why? The answer is due to statistics, if an individual matches certain criteria, than the likelihood of paying out for their damages is less by being accident free for more than three years.
Did you know that the WAY YOU PAY can impact your rate?
 |
| Auto Pay |
Assurance America offers a discount when you set up auto pay with a card. If you want the cheapest payment route, go with an account and routing numbers from your bank account.
In fact, every carrier we do business with offers a significant discount when setting up Auto pay.
Here is an even bigger piece of advice! If you PAY-IN-FULL, it offers even greater discounts. This option is paying for your entire premium in one payment instead of spreading it out over the 6 months to a year.
BEST SOUTH CAROLINA CAR INSURANCE CARRIER RESOURCES
| SUNCOAST INSURANCE |
| MENDOTA/ADVANTAGE AUTO |
| BRISTOL WEST |
| DAIRYLAND |
| PROGRESSIVE |
DIRT CHEAP CAR INSURANCE – LIABILITY ONLY
If you are looking for dirt cheap South Carolina car insurance quotes then you are looking for Liability Only. If you do not need a Full Coverage policy then reject them, pair down your coverage choices to be exactly what you need to be legal on the road.
| Cheapest Liability Insurance Rates in South Carolina Rank | Company | Average Price |
|---|---|---|
| 1 | Dairyland (Viking) | $87.00 |
| 2 | Progressive | $103.00 |
| 3 | Mendota | $111.00 |
| 4 | Bristol West | $112.00 |
| 5 | The General | $122.00 |
| 6 | Travelers | $130.00 |
| 7 | Liberty Mutual | $142.00 |
You can bundle your auto policy with other insurance needs, this can lead to major savings. Just ask us and we can offer some fantastic opportunities that can save you money.
OTHER HELPFUL LINKS: FOR SOUTH CAROLINA INSURANCE
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Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Alexis Karapiperis