Car Insurance South Carolina

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What Is Car Insurance In South Carolina?

South Carolina requires drivers to have basic car insurance in order to legally drive a vehicle on their roadways. Car insurance protects you from financial ruin in the event of an accident or theft. Auto insurance provides coverage for property, liability and medical. You pay a car insurance premium to a company that sells you a policy and they in return promise to pay for any repairs, replacements, liability and medical costs as laid out by the policy. You can choose the level of coverage and limits covered by the policy in South Carolina to suit your needs.

What Do I Need To Know About Car Insurance In South Carolina?

Insurance terminology can be difficult. Let's go over some of the more common terms when is comes to car insurance in South Carolina.

This is the initial amount you pay out-of-pocket before your coverage kicks in. In most cases, you'll need to pay your deductible up front, even if the claim wasn't your fault.

The total price you pay for your policy.

Bodily Injury Liability
This is the part of your insurance plan that covers you if you cause an accident that results in injury or the death of another driver. It covers legal expenses and any settlements or lost wages of other drivers. This is something you need to pay special attention to when choosing a policy as not all policies will offer the same amount of coverage.

Collision Coverage
This is what covers the cost of replacing or repairing your car if it is damaged by hitting another car or object like a deer. While it isn't required by law in most states, it's wise to have. Payouts are limited to the cash value of your car at the time of the accident.

Comprehensive Coverage
This is often also known as other than collision coverage. It's what covers your costs if something other than an accident damages your car like theft, broken windows or storm damage.

  • Bundled
  • Homeowner
  • Multi-car
  • Customer loyalty
  • Military service
  • Clean driving record
  • Safe driver
  • Defensive driving course
  • Driver training
  • Good student
  • Senior citizen
  • Low usage
  • Auto-pay
  • Paid in full
  • Advance renewal
  • Anti-theft devices
  • Green/hybrid technology

Age and Gender

It comes as no surprise that young men are some of the most expensive drivers to insure. Young men have more accidents and fatalities than their female counterparts. But fortunately as men get older and demonstrate a record of safe driving, their rates will decrease. Women usually get better rates than men and older drivers with a safe driving record get the best rates.


Drivers that are married tend to have less accidents and claims than those that are single. So if you get married your rates could decrease depending on your previous driving history.


As you have probably heard, most accidents occur near your home so as a result the location of your home will affect your rates. Things like accident rates and theft rates can raise your premiums. Also the price to fix your car can be more expensive in some areas. A big factor is the amount of uninsured drivers in your town or state.

Car Type

Some cars are more expensive than others and some have a higher trend of accidents. Others have great safety features that minimize chance of serious injury. Some cars are more likely to be stolen and some are more likely to break down due to age. All of these are important in determining the cost of your premium and there’s no good way to isolate any one factor. A newer car that looks great and goes fast is going to cost more to insure than a slightly older model that was built for safety and functionality.

Driving Record

Things like accidents, speeding tickets, traffic violations and DUIs will cause your rates to climb. Due to your history, the insurance company thinks your more likely to repeat your previous infractions and you are more expensive than someone who has never made a claim or had anything added to their record. If your driving history has too many blemishes, insurance companies may refuse to cover you at all.

Driving Activity

If you use your car daily as part of your business or put lots of miles on the odometer as part of your commute, the chances of you being in an accident increase and the chances of you filing a claim also increase. Insurance companies will often charge higher premiums to reflect this even if you’ve never been in an accident, are a safe driver and have never made any claims. The reverse of that is if you don’t use your car very often, insurance companies may offer discounts since the chance of you having something to your car is far less.

What Do I Need To Get A Car Insurance Quote In South Carolina?

It is best to have the following information to get an accurate quote in South Carolina:

  • Drivers License
  • Year, Make and Model of Vehicle
  • VIN
  • Vehicle Registration
  • Date of Purchase
  • Desired Coverage Limits

What Are Some Things To Consider When Buying Car Insurance In South Carolina?

  • Minimum amount of coverage required by your state
  • Financial situation if you have to pay for car repairs or replacement
  • Ability to go about your life without a car short-term
  • Your driving record or those you would include under your policy
  • Deductible vs premiums
  • Your car’s age and value
  • The car’s total usage, mileage and type of use

Most Competitve Rates

Travelers Insurance Agent in South Carolina
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Foremost Insurance Agent in South Carolina

For the best insurance prices in Irmo, Chapin, Columbia, Lexington, Ballentine, And Blythewood you can count on the Insurance Shopping Experts to find the best prices on auto, home, renters, classic car, commercial auto, and boat insurance in the area.