South Carolina Car Insurance

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Key takeaways...
  • South Carolina requires all drivers must have minimum levels of liability car insurance otherwise face drivers license suspension and fines
  • The South Carolina Department of Motor Vehicles enforces car insurance laws and requires all drivers to show proof any vehicle being operated has minimum car insurance coverage in the amount of 25/50/25
  • Make sure you compare prices for the type of coverage you need to ensure you aren’t overpaying for your coverage

South Carolina is home to a very competitive car insurance market but how do you find the best South Carolina car insurance rates?

First, you need to understand South Carolina car insurance laws. Currently, all drivers must have minimum levels of liability car insurance otherwise face drivers license suspension and fines.

The good news is car insurance premiums in South Carolina average some of the lowest rates in the nation. Compare rates with our free quote tool above! 

South Carolina Car Insurance Requirements

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The South Carolina Department of Motor Vehicles enforces car insurance laws and requires all drivers to show proof any vehicle being operated has minimum car insurance coverage in the amount of 25/50/25.

These numbers represent:

  • $25,000 coverage for injuries per person per accident
  • $50,000 coverage for injuries of all persons per accident
  • $25,000 property damage insurance

South Carolina also operates under the tort system where you can be sued for almost any type of car accident which means these limits of coverage are probably far lower than you really need.

In no-fault car insurance states, drivers have the luxury of avoiding nuisance lawsuits however without no-fault car insurance laws you really need to consider higher limits as any kind of minor accident can quickly reach this minimum with medical expenses alone.

It’s very common for South Carolina drivers to obtain more than $100,000 in coverage for only a small adjustment to standard car insurance rates.

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South Carolina Car Insurance Companies

Almost all national car insurance companies offer auto insurance plans to South Carolina drivers.

Some of the better-known brands include GEICO, Esurance, and State Farm but South Carolina is also home to many local and regional car insurance companies who offer quality service and just may even have more intimate knowledge of the South Carolina marketplace.

When shopping for a new car insurance company its imperative never to base your decision solely on premiums but make an educated decision comparing all policy details.

Some of the most important things to look at when comparing car insurance policies are:

Although affordable car insurance is the goal of every South Carolina driver premiums should always be your last factor since you need a car insurance company you can trust much more than simply choosing cheap car insurance quotes.

Get started South Carolina car insurance comparison today. Enter your ZIP code for FREE car insurance quotes online!

FREE Car Insurance Comparison

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