Finding the Best Car Insurance

in South Carolina

Facts about Car Insurance in South Carolina

By law, vehicle owners in South Carolina must have car insurance that meets the state’s minimum coverage requirements. Policies must include liability coverage of $25,000 for property damage, and injury coverage of $25,000 per person and $50,000 per accident. Drivers must also carry uninsured motorist insurance in the same amounts.

More South Carolina car insurance facts

  • SC averages $6 million a year in car insurance claims
  • More than 1,000 car accidents occur in SC each year
  • 60% of this state’s accidents occur in rural areas
  • 3.49 of every 1,000 cars in SC are stolen annually 

Average Cost of Car Insurance in South Carolina

On average, Americans pay $1,311 a year for car insurance. In South Carolina, the average rate is just $1,210. That doesn’t mean you don’t have room for big savings. Independent agents can help you compare auto insurance quotes from multiple providers so you can find the policy that offers the coverage you need at the best price.

Average Cost of Car Insurance Per Year

car insurance chart

What Makes Independent Agents in South Carolina so Awesome?

  • Local agents know the coverage needs specific to your city
  • Independent agents work for you, not an insurance company
  • Your agent can help you get great coverage at the best price

Find an independent agent in South Carolina

Our Trusted Choice insurance agent has provided excellent service to our family for over 15 years. They are knowledgeable, caring and easily accessible. We trust them to handle all of our insurance needs and answer all questions honestly and expeditiously.

5 Stars Daphnee of Charleston, SC Review is Obtained from Consumer Affairs

What Does Your Car Insurance Policy Cover? 

Auto insurance includes three main coverage types: liability, collision, and comprehensive. There are also a number of specialized extras available so you can get the right coverage to meet your needs. Here is an overview of what you can expect from each.

  1. Liability insurance: This covers third-party property damage and medical expenses if you are responsible for a collision. Your policy must meet the state’s minimum requirements.
  2. Uninsured motorist coverage: This covers your expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. It is required in South Carolina.
  3. Collision coverage: This covers repairs to your car if you are in an accident, regardless of fault. You drive into a road sign after a day at the beach.
  4. Comprehensive coverage: This covers damage to your car that are not related to a collision. Hurricane flood waters destroy your vehicle.
  5. Personal injury protection (PIP): This covers your medical expenses for injuries caused by an accident, regardless of fault.

Top Insurance Companies that Support Independent Agents in South Carolina 

There are currently 315 independent insurance agents in South Carolina who are ready to help. Did you know that these independent agents can give you multiple policy options to choose from? That way, you’ll receive completely customized coverage that addresses all of your specific coverage needs.

Why go Independent

Why Go Independent when looking for Car Insurance

  • One Call Multiple Quotes
  • Pay Less for More Coverage
  • Expertise in Your Community