South Carolina Car Insurance

South Carolina is a place of natural beauty. they have winding roads, beautiful trails, water bodies and parks galore. We can confidently say that the Avid Adventure doesn’t have time to go through anything else but jumped behind the wheel and start exploring. Aussie we don’t blame you, we do need to make sure that you’re educated enough on car insurance before you start driving. That’s exactly what we’re going to do for you, we’re going to give you all the information you need to know about car insurance in South Carolina and you can say when your current premium as well. Before you jump behind the wheel find out how you can get reliable coverage just by connecting with an insurance company right now.

Required Coverage

Drive in the state of South Carolina you legally required to have car insurance. you are required to have a minimum limit for your car insurance, and here are the outlines of what you need in South Carolina.

  • $25,000 of bodily injury coverage per person
  • $50,000 a bodily injury coverage per accident
  • $25,000 of property damage per accident

You would also need to have uninsured motorist coverage as well. The limits for your uninsured motorist coverage is pretty standard, like most States coverage limits for this policy is the same as your minimum requirement. So, in this case, it’ll be in the form of $25,000 – $50,000 – $25,000 respectively. 

Optional Coverage

You don’t have to only speak with the minimum requirements, there are optional coverages available as well. In most cases, drivers decide to choose higher coverage limits assembly for that extra protection it brings, and also the Peace of Mind.

  • Comprehensive insurance coverage
  • Collision insurance coverage
  • Gap insurance coverage
  • Roadside assistance
  • And more 

Factors that Affect Your Insurance Premium

You may hear that shopping around gives you the best rates, and without a doubt that is true! But how exactly is that the case? Well, insurance companies use various factors in South Carolina to calculate your insurance premium. Keep in mind that all companies have different weighing scales for these variables so shopping around can help you save a few dollars a month. Here are what you should be mindful of:

  • Driving Record
  • Insurance History
  • Make, Model and Year of the Vehicle
  • Age
  • Gender
  • Marital Status
  • Credit-based Insurance
  • Types of Insurance Coverages you’d like
  • Discounts

Is South Carolina a no-fault state?

Put it plain and simple if a fault state. You caused the accident? Your insurance company pays for it.

Average Cost of Insurance in South Carolina

I wouldn’t say South Carolina is cheap oh, but I would say that they’re pretty inexpensive when compared to the national average. They’re about 5% less and you’re looking at about $1350 each month when it comes to insurance.