Car insurance in South Carolina is typically fairly expensive due in large part to allowing drivers to hit the road uninsured if they pay a fee to the state. If you’re looking for the cheapest coverage, it’s a good idea to use a comparison app to get multiple quotes.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in South Carolina. And if you want to learn more about car insurance rates in South Carolina, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in South Carolina
Cheapest minimum coverage car insurance in South Carolina
The minimum required insurance coverage varies depending on your state laws. In South Carolina, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
$25,000 per person and $50,000 per accident uninsured motorist bodily injury
$25,000 per accident uninsured motorist property damage
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in South Carolina:
Additional coverages you might want to consider when shopping for car insurance in South Carolina
Coverage to consider
South Carolina is prone to hurricanes, flooding, tornadoes, and severe thunderstorms. Comprehensive insurance covers any physical damage to your car as a result of a weather event.
Uninsured drivers may drive in South Carolina if they pay a $550 uninsured motorist fee. Higher coverage amounts of uninsured motorist insurance can protect you in the event of a crash with someone who does not have insurance.
Though the minimum insurance requirements in South Carolina are pretty thorough, securing additional coverage is generally a good idea to address state-specific risk factors.
Best carriers for minimum coverage car insurance in South Carolina
If you can’t prove financial responsibility for your vehicle (through either insurance or paying an uninsured motorist fee to the state), you may be subject to harsh penalties in South Carolina. Repercussions include a fine of up to $200, surrendering your registration and license plates, and an SR-22 requirement.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in South Carolina:
Best carriers for full coverage car insurance in South Carolina
Getting quotes from various insurance companies will help you ensure you have the most affordable rate for the coverage you need. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in South Carolina:
To drive in South Carolina, you either need minimum liability insurance or you must pay the state an uninsured driver fee of $550. To truly protect yourself and your vehicle, purchasing full insurance coverage is often your best bet.
Cost to insure your car in South Carolina by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
In South Carolina, a teenage driver is involved in a collision that kills or injures someone every 1.4 hours. Distracted driving, speeding, and non-use of seatbelts often play a role in these incidents.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in South Carolina with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
These violations often remain on your record for at least five years, during which time (and sometimes even after) you’re considered a high-risk driver by insurance companies. They raise their rates to compensate for this increased risk.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Types of discounts that might be available to you in South Carolina
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in South Carolina.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
Who is eligible?
If you insure more than one vehicle on the same policy, many insurance companies offer a discount of up to 20%.
Good student discount
Full-time students ages 16–24 who maintain an average of at least a B may be eligible for savings on their car insurance premium.
Safe driver discount
Maintaining an accident-free record for a certain period of time (often 5 years) can help you secure discounted premiums from your insurer.
Signing up for automatic payments may qualify you for a one-time discount from your insurance company. Discounts may also be available for paperless billing.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
How much does it cost to insure my car make in South Carolina?
Southern folks love their pickups, so it’s no surprise that the Ford F-150 tops the list of popular vehicles in South Carolina. It also makes our list of the top 10 most affordable vehicles to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Insurance rates in South Carolina tend to hover around the national average. Two key things prevent them from being lower: high minimum insurance requirements and a high percentage of uninsured drivers. In fact, drivers who don’t want to purchase insurance can pay the state a $550 uninsured motorist fee to drive without it.
That said, premiums vary within South Carolina depending on a number of local factors.
Here are the top 10 cheapest cities for car insurance in South Carolina:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.