- Laws & Requirements: South Carolina Liability Insurance
- South Carolina Insurance Requirements
- Coverages Explained: South Carolina Car Insurance
- Required South Carolina Liability Coverage
- Full Coverage
- Additional Coverages
- What We Do at A Plus Insurance
- Average Cost for Liability Insurance in South Carolina
- Cost For Liability Only (By City)
- Liability Insurance South Carolina: Tips for getting the BEST quote!
- Discounts: How to Save Money on South Carolina Liability Insurance!
- Need an SR22 but Don't Own a Vehicle in South Carolina?
- SR22 Insurance Process
- Full Coverage VS Liability Only Insurance South Carolina
- Who Has The Lowest Liability Price? (By City)
- Should I Upgrade To Full Coverage? Cost By City
- FAQ: South Carolina Liability Insurance
- Q1: What is South Carolina liability insurance and what does it cover?
- Q2: How can I find affordable South Carolina liability insurance rates?
- Q3: Are there any specific requirements for liability insurance in South Carolina?
- Q4: What is the minimum liability insurance in South Carolina?
- Additional Helpful Links
South Carolina Insurance Requirements
The state of South Carolina requires all drivers to have minimum liability and uninsured motorist coverage. The limits are the same for both coverages.
South Carolina car insurance laws requires liability and uninsured motorist protections at the limits below:
$25,000 per Person in Bodily Injury
$50,000 Bodily Injury Maximum per Accident
$25,000 in Property Damage
Coverages Explained: South Carolina Car Insurance
We are here to help everyone understand what their car insurance in South Carolina actually covers. Below you will find a breakdown of not only what is required by law but additional optional coverages.
If you need help understanding or need help determining what coverages you need – please feel free to reach out to one of fantastic agents.
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Required South Carolina Liability Coverage
Liability:
Liability is the portion of your auto policy that covers bodily injury and property damages to others. This coverage applied when you are found at fault in an accident.
While South Carolina has a minimum requirement this coverage can be increased.
Uninsured Motorist:
South Carolina also requires uninsured motorist. This coverage pays for you and your passengers bodily injury as well as property damage when another drive is found at fault and DOES NOT have auto insurance.
Similar to liability coverage this coverage may also be increased but cannot exceed your liability limits.
Full Coverage
What Is Full Coverage?
Full coverage insurance consists of comprehensive and collision coverage. With full coverage insurance you will need to pay a deductible first. Typically deductibles will either be $500 or $1,000. However, some insurance carriers may offer lower or higher amounts as well.
Comprehensive:
Comprehensive coverage in auto insurance is a type of protection that goes beyond basic liability and collision coverage. It provides financial safeguarding for your vehicle in case of non-collision-related incidents. This includes events such as theft, vandalism, damage from natural disasters (e.g., hail, floods), encounters with animals (e.g., hitting a deer), and damage from falling objects (e.g., tree branches).
In essence, comprehensive coverage helps cover the cost of repairing or replacing your vehicle due to unforeseen and uncontrollable events, offering peace of mind and broader protection for your investment beyond accidents on the road. However, it’s essential to understand the policy’s terms, deductibles, and coverage limits to ensure it meets your specific needs and circumstances.
Collision:
Collision coverage in auto insurance is a type of protection that covers the cost of repairing or replacing your vehicle in the event it’s damaged as a result of a collision with another vehicle, object, or in some cases, a single-vehicle accident, such as hitting a tree or a pothole. This coverage helps you mitigate the financial burden of repairing your car, regardless of who is at fault in the accident.
Collision coverage is typically optional, but it’s essential for those who want to safeguard their vehicle, especially if it’s relatively new or has significant value. It can provide peace of mind by ensuring that repair or replacement costs are covered, reducing the out-of-pocket expenses associated with accidents. However, it’s important to consider factors like deductibles and policy limits when choosing collision coverage to ensure it aligns with your specific needs and budget.
Additional Coverages
Medical Payments:
Medical payments pays out up to a limit for medical expenses for you and passengers after an accident, regardless of who was found at fault. If you have passengers in your vehicle frequently or do not have health insurance this could be a great additional coverage for you to consider adding.
Underinsured Motorist:
Underinsured motorist is coverage that will raise the liability limits of the other drive who was found at fault in an accident if they have coverage that does not meet the South Carolina limit or will raise them to your liability limits if you carry higher then the South Carolina required liability.
Roadside Assistance:
Roadside Assistance coverage does depend on your carrier however it typically covers towing due to a breakdown, lockout service, gas delivery when you run out, and potentially more. It is recommended that you speak with an agent to verify what the carrier does cover under this additional coverage.
Rental Reimbursement:
This is a coverage that caries by carrier but typically it only covers up to a certain limit per day with a max of 30 days coverage for the cost of a rental vehicle while yours’ is being repaired after a covered loss. For example, if you are in an accident and you car needs to be in the shop insurance will reimburse you for a rental vehicle.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Average Cost for Liability Insurance in South Carolina
The table below gives the average cost per month by insurance company. While these are not guaranteed rates they are here to give you a general idea.
Please note that depending on many factors your rate may be higher. Things such as driving history, claims history, age, vehicle type, and current insurance status.
| Company | Average Monthly Cost |
|---|---|
| Progressive | $80 |
| The General | $93 |
| Geico | $95 |
| National General | $95 |
| Mendota | $97 |
| USAA | $105 |
| Travelers | $109 |
| AssuranceAmerica | $112 |
| 21st Century | $115 |
| Dairyland | $118 |
| GAINSCO | $125 |
| Bristol West | $135 |
Cost For Liability Only (By City)
| City | Price |
|---|---|
| Cayce | $109.00 |
| Beaufort | $94.00 |
| Welcome | $89.00 |
| Red Hill | $90.00 |
| Laurens | $96.00 |
| Greer | $109.00 |
| Woodfield | $105.00 |
| Fort Mill | $107.00 |
| Berea | $92.00 |
| Dentsville | $95.00 |
| Lugoff | $101.00 |
| Sans Souci | $103.00 |
| Myrtle Beach | $92.00 |
| Sangaree | $100.00 |
| York | $95.00 |
| Seneca | $87.00 |
| Socastee | $97.00 |
| Aiken | $86.00 |
| Bennettsville | $106.00 |
| Lancaster | $104.00 |
| Port Royal | $87.00 |
| Easley | $108.00 |
| St. Andrews | $96.00 |
| Five Forks | $107.00 |
| Bluffton | $103.00 |
| Simpsonville | $109.00 |
| Columbia | $94.00 |
| Sumter | $93.00 |
| Lake Wylie | $99.00 |
| Newberry | $101.00 |
| Oak Grove | $97.00 |
| Ladson | $97.00 |
| Tega Cay and Forest Acres | $94.00 |
| Florence | $86.00 |
| Lexington | $93.00 |
| Hartsville | $95.00 |
| Orangeburg | $109.00 |
| Hanahan | $87.00 |
| Garden City | $108.00 |
| Irmo | $94.00 |
| Boiling Springs | $96.00 |
| North Myrtle Beach | $92.00 |
| Goose Creek | $96.00 |
| Anderson | $109.00 |
| Hilton Head Island | $110.00 |
| Georgetown | $87.00 |
| North Charleston | $87.00 |
| Mauldin | $100.00 |
| Mount Pleasant | $104.00 |
| Fountain Inn | $89.00 |
| Powdersville | $98.00 |
| Clemson | $95.00 |
Liability Insurance South Carolina: Tips for getting the BEST quote!
There are several things you can do to receive the best and most accurate quote for liability insurance in South Carolina.
First thing is to give your agent the most accurate information you can. Make sure you let them know about any accidents, violations, and insurance claims you’ve had in the last 5 years.
Second have your drivers license number and VIN for any vehicle you plan on having on the policy handy. Without these an agent won’t be able to fully verify your rate.
Third, household member information. Even if your family or roommates don’t drive your car and have their own insurance, carriers want to exclude them from the policy. It is best to do this so that you get an accurate if you purchase a policy and extra household members are discovered and can impact the cost of your policy. Any household member over the age of 15 needs to be excluded.
Lastly, while there are tons of places on the internet you can do a self quote, the way to receive the best rate is by contacting an agent. We have some incredible agents who are very knowledgeable with South Carolina car insurance requirements and would be glad to help you!
Discounts: How to Save Money on South Carolina Liability Insurance!
Everyone ALWAYS wants to save money when it comes to their car insurance. We are here to help you save since here at A Plus Insurance we aren’t focused on money but rather helping others find what they need!
Discounts vary by carrier but one of our agents will do their best to mae you are placed with a carrier that offers maximum savings.
| Discounts Available |
|---|
| Bundle with Another Policy |
| Good Student Discount |
| Multi Vehicle Discount |
| Safe Driver / Accident Free |
| Continuous Insurance |
| Pay in Full Discount |
| Education Discount |
| Smart Vehicle Technology Discount |
Need an SR22 but Don’t Own a Vehicle in South Carolina?
If you require an SR22 in South Carolina you are required to have liability and uninsured motorist coverage that meet the South Carolina minimum requirements.
But what do you do if you don’t own a vehicle?
That is when you ask for a Non Owner’s auto policy. Which our agents would be glad to help you with and answer any questions you may have about a South Carolina Non Owners policy.
What is an SR22?
An SR22 is an added filing to your auto policy that better allows the state to track your insurance status. An SR22 can required for many reasons including but not limited to DUI/DWI, driving without insurance, driving under suspension, or after having a major accident. If you are required to have an SR22 the DMV will notify you.
What is a Non Owners Policy?
A non owners auto policy is a policy that meets the liability requirements for the state of South Carolina when you do not own a vehicle. This type of policy is very restrictive. It does not all for additional coverages such comprehensive and collision to be added. It also does not cover you while driving any vehicle that is registered to you, a household member, or a vehicle that you have regular access. Always double check with your insurance provider to verify restrictions and coverages.
SR22 Insurance Process
01.
Consultation
We gather detailed information, ensuring you have all the facts before making a decision.
02.
Quote
Receive your SR22 insurance quote, customized to your unique needs and credit profile
03.
Filing
We work closely with the insurance carrier to ensure that the sr22 is filed with the state
04.
Policy Management
Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.
Full Coverage VS Liability Only Insurance South Carolina
While liability insurance is required in South Carolina, full coverage is not. However this does not mean that it may be required by another party. Typically if full coverage is required for your vehicle it is due to the company you financed your vehicle through.
When financing a vehicle it is important to consider this as an additional cost. Always double check what deductible is also required by the financer.
If you are considering a new vehicle it is a good idea to see how that vehicle would impact your current auto policy. If you don’t currently have auto insurance it would be beneficial to get quoted for that new purchase.
Our agent would be glad to help you find the coverage that you need for that new vehicle.
If you are uncertain on what coverage you may need feel free to use our handy calculate below!
Who Has The Lowest Liability Price? (By City)
| City | Price |
|---|---|
| Five Forks | The General |
| Columbia | Progressive |
| Red Hill | Geico |
| Garden City | Progressive |
| Seneca | Progressive |
| Murrells Inlet | The General |
| Hartsville | The General |
| Laurens | National General |
| Orangeburg | National General |
| Spartanburg | National General |
| Rock Hill | The General |
| Union | The General |
| Burton | Geico |
| Dentsville | Progressive |
| Charleston | Geico |
| Parker | Progressive |
| Beaufort | Progressive |
| Newberry | The General |
| Mauldin | Geico |
| Clemson | Geico |
| Hanahan | Progressive |
| Cayce | Geico |
| Summerville | Progressive |
| Irmo | Liberty Mutual |
| Florence | Liberty Mutual |
| Gantt | Geico |
| Boiling Springs | Progressive |
| Welcome | Liberty Mutual |
| Bluffton | The General |
| St. Andrews | Farmers |
| Gaffney | Liberty Mutual |
| Anderson | Bristol West |
| Sans Souci | Dairyland* |
| Easley | Geico |
| Sumter | Progressive |
| Lexington | The General |
| Seven Oaks | The General |
| Moncks Corner | Geico |
| Powdersville | Progressive |
| Lancaster | Progressive |
| Fountain Inn | The General |
| Simpsonville | Progressive |
| Georgetown | Geico |
| Myrtle Beach | Geico |
| Mount Pleasant | Progressive |
| Greenville | Farmers |
| West Columbia | Progressive |
| Berea | Progressive |
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
|---|---|
| Socastee | $152 |
| North Myrtle Beach | $150 |
| Lexington | $166 |
| Greenwood | $182 |
| Gaffney | $156 |
| Ladson | $166 |
| Little River | $177 |
| Sumter | $165 |
| Newberry | $146 |
| Hartsville | $157 |
| Parker | $169 |
| Garden City | $171 |
| Burton | $158 |
| Spartanburg | $179 |
| St. Andrews | $168 |
| Beaufort | $179 |
| Five Forks | $146 |
| Greenville | $168 |
| Aiken | $167 |
| Conway | $148 |
| Georgetown | $170 |
| Taylors | $151 |
| Red Bank | $148 |
| Berea | $153 |
| Bennettsville | $170 |
| Murrells Inlet | $152 |
| Clemson | $180 |
| Tega Cay and Forest Acres | $146 |
| Irmo | $146 |
| Myrtle Beach | $146 |
| Laurens | $165 |
| Greer | $174 |
| Rock Hill | $168 |
| Welcome | $157 |
| Columbia | $179 |
| Fountain Inn | $181 |
| Oak Grove | $155 |
| North Charleston | $147 |
| Seven Oaks | $175 |
| West Columbia | $162 |
| Easley | $152 |
| Sans Souci | $163 |
| Goose Creek | $151 |
| Charleston | $177 |
| Summerville | $182 |
| Woodfield | $147 |
| Hanahan | $171 |
| Boiling Springs | $178 |
| Lake Wylie | $177 |
| Moncks Corner | $167 |
| Hilton Head Island | $171 |
| Lugoff | $173 |
| Port Royal | $159 |
| Orangeburg | $164 |
| Union | $168 |
| Clinton | $182 |
| Mauldin | $172 |
| Dentsville | $164 |
| Mount Pleasant | $161 |
| Powdersville | $168 |
| Sangaree | $164 |
FAQ: South Carolina Liability Insurance
Q1: What is South Carolina liability insurance and what does it cover?
South Carolina liability insurance provides coverage for bodily injury and property damage that you may cause to others in an accident. It is a mandatory coverage in the state, and our team at A Plus Insurance can help you understand the specific coverage options available.
Q2: How can I find affordable South Carolina liability insurance rates?
To find affordable South Carolina liability insurance rates, contact A Plus Insurance. We work with multiple carriers to ensure you get the best rates. For personalized assistance and a free quote, call us at 1.888.445.2793.
Q3: Are there any specific requirements for liability insurance in South Carolina?
Yes, South Carolina has specific requirements for liability insurance. Minimum coverage is mandatory, and our experienced agents can guide you through these requirements to ensure you have the necessary coverage. For more information, call us at 1.888.445.2793.
Q4: What is the minimum liability insurance in South Carolina?
The minimum liability insurance requirements in South Carolina typically include coverage for bodily injury liability per person and per accident, as well as property damage liability. These requirements may vary, so it’s essential to consult with our knowledgeable agents at A Plus Insurance for specific details and to ensure you meet the state’s minimum coverage requirements.
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Last Updated on by Marlon Moss