South Carolina Car Insurance
A state that has beautiful mountain roads, roads along the ocean, and roads that crisscross through many amazing cities in the state, South Carolina is a place that people travel to from all over the country. For people living in the state, driving is an essential part of getting around and taking advantage of everything South Carolina has to offer. To drive legally in the state, you must meet the minimum requirements for automobile insurance coverage. If you are unable to provide proof of insurance or do not have insurance at all, the penalties and costs can be vast.
Auto Insurance Requirements In South Carolina
Before you start looking into free car insurance quotes on this website, you will want to have the best information available about automobile insurance requirements in the state you are in or moving to. Car insurance requirements in South Carolina include property damage liability coverage of $25,000 per accident, as well as bodily injury liability coverage of $25,000 per person and $50,000 per accident.
Uninsured motorist bodily injury coverage in the amounts of $25,000 per person and $50,000 per accident are also required, as well as UIM bodily injury coverage of $25,000 per person and $50,000 per accident. Uninsured motorist property damage of $25,000 per accident with the $200 deductible is also a requirement in South Carolina, as well as UIM property damage coverage in the amount of $25,000 per accident. Keep in mind that UIM bodily coverage and UIM property damage coverage can be rejected in the state of South Carolina.
While those are the only requirements for car insurance in the state, keep in mind that many other people do choose to get automobile insurance coverages of different types as well. These different types of automobile insurance coverage can include collision insurance coverage, comprehensive insurance coverage, lease gap insurance, and others.
Average Cost of Coverage in South Carolina
The average costs for car insurance in South Carolina are five percent less than the national average, even with larger amounts of coverage than many other states require. Save the most by looking into the cheapest car insurance companies in the state.
Cheapest Car Insurance Companies in South Carolina
If you want to find out who has the cheapest car insurance policies in South Carolina, look no further. With many different auto insurance companies offering car insurance policies in the state, it is important to get at least three quotes for auto insurance before making your selection. Some good companies to get free auto insurance quotes from in the state of South Carolina include Southern Farm Bureau, State Auto, National Grange Mutual, Allstate Insurance, and State Farm Insurance.
These companies may fall below the state average, but getting auto insurance quotes from other companies can also be helpful. Rates for automobile insurance policies can vary from one city to the next, and since automobile insurance company look at risk factors differently, your individual situation will have a large impact on the rates you pay for automobile insurance.
Cheapest Car Insurance In South Carolina By City
A number of cities in South Carolina have rates on average that are lower than the states average. These include cities like Seneca, Greenwood, Walhalla, Simpsonville, and Anderson. Each of these cities falls below the state average for car insurance and make the list of cheapest cities for car insurance in South Carolina.
Most Expensive Car Insurance In South Carolina By City
Knowing which cities are more expensive than others in terms of car insurance and other insurance types as well can help people make decisions on where to rent or purchase apartments or homes. The more expensive cities for automobile insurance in the state of South Carolina include Lawrence, Winnsboro, Kingstree, Hartsville, and Dylan.
Laws, Rules And Penalties in South Carolina
When it comes to South Carolina car insurance, drivers can expect severe penalties if they are caught driving with no insurance. For people who are pulled over and do not have insurance, or do not have proof of insurance, they will be issued a ticket and have to pay fines.
It is possible that they will be arrested as well, depending on the circumstances. In some cases, a person’s driving privileges can be suspended or revoked, which also involves a costly reinstatement fee at $550. There are other penalties for driving without insurance in the state as well, making driving uninsured an expensive proposition.
How To Save Money On Car Insurance In South Carolina
Saving money on auto insurance in South Carolina is similar to saving money on insurance in other states. Comparing multiple car insurance companies and policies can help you get the top rates for car insurance. In addition, there are many discounts that drivers can get to help lower costs even more. Perhaps the biggest way to save money, however, is to make sure that you get a policy that adequately fits your needs. Car accidents can be very expensive, so making sure that a good amount of car insurance coverage is part of your life is essential.