Finding cheap car insurance in South Carolina is achievable in the Palmetto State, where rates are close to the national average. South Carolina's mix of coastal areas and rural interior creates varied pricing opportunities for drivers who compare their options.
South Carolina offers a competitive insurance market with options for every budget. Understanding South Carolina car insurance requirements helps you find affordable coverage.
South Carolina Car Insurance Requirements
South Carolina requires minimum liability coverage of 25/50/25—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
South Carolina is a tort state, meaning the at-fault driver is responsible for damages. The mandatory uninsured motorist coverage is important given the state's uninsured driver rate.
What Affects South Carolina Car Insurance Rates
Your location within South Carolina impacts your car insurance rates. Charleston and Columbia have higher premiums due to traffic. The coastal region may have higher comprehensive rates due to hurricane risk.
Hurricane and flood risks along the coast affect comprehensive coverage costs. Tourism areas during peak season may also see higher accident rates affecting South Carolina auto insurance.
How to Save on South Carolina Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in South Carolina. The competitive market offers rate variations between carriers.
Take advantage of South Carolina's discount opportunities including safe driver, multi-policy, good student, and defensive driving discounts. Consider hurricane deductible options for coastal residents.