Enter your ZIP code:

South Carolina Auto Insurance

South Carolina automobile insurance provides essential protection against personal liability and lawsuit in case of an accident. But finding the right, affordable policy can sometimes be difficult.

That’s where InsureMe comes in. We’ve been helping consumers like you find the South Carolina auto insurance policy best fitting their needs since 1993. We’ll get you up to five competitive quotes from leading insurers who can tailor your auto insurance policy to your needs.

Protect yourself with South Carolina auto insurance before you hop in your car. Act today!


The South Carolina Auto Insurance Marketplace

State law allows you to legally drive without South Carolina auto insurance. However, if you do so and cause an accident, you may find yourself financially responsible for the other driver’s losses, including property damage, medical expenses, lost wages, and pain and suffering due to the accident. This is because South Carolina is a “tort” state, which means the person not at fault in an accident may pursue an insurance claim against the party who caused it.

South Carolina auto insurance protects you from the burdens you might face if you are involved in an accident. It also pays for your defense in any associated lawsuit or claim filed against you.

South Carolina auto insurance companies do not have to insure you. They have the authority to make this decision based on your claims risk. But if you have a good driving record, put a limited number of miles on your car, take a driver’s education course and/or live in a suburban area, you should be able to purchase the South Carolina auto insurance protection you need.

Minimum Limits

Minimum South Carolina auto insurance limits for liability and uninsured motorist coverage are referred to as 15/30/10. This means you must carry at least $15,000 bodily injury per person; $30,000 bodily injury per accident and $10,000 property damage per accident.

You are not required to purchase underinsured motorist coverage.

Know Your Rights

Knowing and understanding your rights concerning your South Carolina auto insurance policy can save you a lot of time and heartache, should you need to file a claim. Take note of these rights and keep them where you can find them, should you need to:

  • A South Carolina auto insurance provider may not refuse to cover you for reasons of race, income level, national origin, marital status or military service.
  • If your policy has been in effect for 90 days or more, your insurance company may not cancel your policy for the remainder of the term unless you don’t pay the premium on time or you have your license suspended or revoked.
  • If your policy is cancelled, your South Carolina auto insurance company must give you written notice telling you why you are being cancelled or nonrenewed.
  • Your auto insurer may not nonrenew your policy based solely on military service, a lack of driving experience, a claim from an accident that is not your fault, or violations or accidents occurring more than three years previously.

Shopping for Auto Insurance

When you start your search for South Carolina auto insurance, be prepared to give the following information to each insurance agent or company for an accurate quote:

  1. A complete description of your vehicle and how it is used
  2. Your driver’s license number
  3. The types of coverage and limits you need
  4. Information concerning your driving record
  5. Accident claims information
  6. Proof of previous insurance
  7. Proof of vehicle ownership

Keep in mind that different insurance companies charge different amounts for the same coverage. So compare costs and coverage, ask about any discounts which may help bring your premiums down, give yourself plenty of time to shop around before your renewal date, and make the most informed South Carolina auto insurance purchase possible.

What Affects Your Rates

South Carolina auto insurance companies base premiums on a variety of factors. Your premium consists of a base rate, plus or minus certain amounts reflecting your age, driving pattern, marital status, claims history and location, as well as your car’s make, model and year.

Insurance premiums are calculated not only according to your own record, but also according to the records of other drivers living in your household. This includes other family members and roommates. So keep this in mind when looking for your South Carolina auto insurance.

Age

Statistics show that drivers under the age of 30 have more accidents than the remainder of the population. Thus, younger drivers (and households containing younger drivers) tend to have higher insurance premiums.

Driving Pattern

The more you drive your car, the higher your rates will be. This includes both miles driven to and from work and those driven for “pleasure.”

Marital Status

Married couples tend to have fewer accidents than single persons. Rates reflect this difference.

Claims History

The more claims you have had, the higher your rates will likely be. Most companies apply a surcharge to drivers who have a history of accidents.

Location

Both a high number of accidents and a high crime rate within an area can raise comprehensive premiums. South Carolina auto insurance companies are allowed to base premium rates on addresses, even though you may drive to other areas.

Get the insurance you need now!

Driving without South Carolina auto insurance is simply not wise. But neither is spending a lot of valuable time calling auto insurance agents and looking for the protection you need.

Submit your information today, and let InsureMe find you just what you need. We’re waiting to help you!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!  
Free Life Insurance Quotes!   
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10778
101 Wyoming Auto Insurance youcomparequotes 10676
100 Wisconsin Car Insurance youcomparequotes 10294
99 Wisconsin Auto Insurance youcomparequotes 10380
98 West Virginia Car Insurance youcomparequotes 11299
97 West Virgina Auto Insurance youcomparequotes 10243
96 Washington, D.C. Car Insurance youcomparequotes 11834
95 Washington, D.C. Auto Insurance youcomparequotes 10927
94 Washington Car Insurance Quotes youcomparequotes 11409
93 Washington Auto Insurance Quotes youcomparequotes 11077
92 Virginia Car Insurance youcomparequotes 10734
91 Virginia Auto Insurance Quotes youcomparequotes 10755
90 Vermont Car Insurance youcomparequotes 12974
89 Vermont Auto Insurance youcomparequotes 10025
88 Utah Car Insurance youcomparequotes 10686
87 Utah Auto Insurance youcomparequotes 10499
86 Texas Car Insurance Quotes youcomparequotes 10733
85 Texas Auto Insurance Quotes youcomparequotes 10730
84 Tennessee Car Insurance youcomparequotes 10178
83 Tennessee Auto Insurance youcomparequotes 10959
82 South Dakota Car Insurance youcomparequotes 10625
81 South Dakota Auto Insurance youcomparequotes 9900
80 South Carolina Car Insurance youcomparequotes 10819
» South Carolina Auto Insurance youcomparequotes 10696
78 Rhode Island Car Insurance youcomparequotes 10173
77 Rhode Island Auto Insurance youcomparequotes 10544
76 Pennsylvania Car Insurance Quotes youcomparequotes 10875
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11354
74 Oregon Car Insurance Quotes youcomparequotes 11031
73 Oregon Auto Insurance Quotes youcomparequotes 10686
72 Oklahoma Car Insurance youcomparequotes 10721
71 Oklahoma Auto Insurance youcomparequotes 10619
70 Ohio Car Insurance Quotes youcomparequotes 10341
69 Ohio Auto Insurance Quotes youcomparequotes 10359
68 North Dakota Car Insurance youcomparequotes 10442
67 North Dakota Auto Insurance youcomparequotes 10838
66 North Carolina Car Insurance youcomparequotes 14126
65 North Carolina Auto Insurance youcomparequotes 11119
64 New York Car Insurance Quotes youcomparequotes 10359
63 New York Auto Insurance Quotes youcomparequotes 11210
62 New Mexico Car Insurance youcomparequotes 9816
61 New Mexico Auto Insurance youcomparequotes 9935
60 New Jersey Car Insurance youcomparequotes 10164
59 New Jersey Auto Insurance youcomparequotes 10303
58 New Hampshire Car Insurance youcomparequotes 11198
57 New Hampshire Auto Insurance youcomparequotes 10827
56 Nevada Car Insurance youcomparequotes 10537
55 Nevada Auto Insurance youcomparequotes 10569
54 Nebraska Car Insurance youcomparequotes 10214
53 Nebraska Auto Insurance youcomparequotes 11119
52 Montana Car Insurance youcomparequotes 10239
51 Montana Auto Insurance youcomparequotes 10399
50 Missouri Car Insurance youcomparequotes 10557
49 Missouri Auto Insurance youcomparequotes 10455
48 Mississippi Car Insurance youcomparequotes 10865
47 Mississippi Auto Insurance youcomparequotes 10506
46 Minnesota Car Insurance Quotes youcomparequotes 11002
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11098
44 Michigan Car Insurance youcomparequotes 10191
43 Michigan Auto Insurance youcomparequotes 9921
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17143
41 Massachusetts Auto Insurance Reform youcomparequotes 11008
40 Maryland Car Insurance youcomparequotes 11199
39 Maryland Auto Insurance youcomparequotes 11217
38 Maine Auto Insurance youcomparequotes 10882
37 Louisiana Car Insurance youcomparequotes 11082
36 Louisiana Auto Insurance youcomparequotes 10530
35 Kentucky Car Insurance youcomparequotes 10590
34 Kentucky Auto Insurance youcomparequotes 10342
33 Kansas Car Insurance youcomparequotes 10171
32 Kansas Auto Insurance youcomparequotes 10600
31 Iowa Car Insurance youcomparequotes 10392
30 Iowa Auto Insurance youcomparequotes 10361
29 Indiana Car Insurance youcomparequotes 10433
28 Indiana Auto Insurance youcomparequotes 10398
27 Illinois Car Insurance youcomparequotes 10415
26 Illinois Auto Insurance youcomparequotes 10062
25 Idaho Car Insurance youcomparequotes 10284
24 Idaho Auto Insurance youcomparequotes 10370
23 Hawaii Car Insurance youcomparequotes 10717
22 Hawaii Auto Insurance youcomparequotes 10804
21 Georgia Car Insurance youcomparequotes 10023
20 Georgia Auto Insurance Quotes youcomparequotes 10918
19 Florida Car Insurance Quotes youcomparequotes 11654
18 Florida Auto Insurance Quotes youcomparequotes 10358
17 Find Maine Car Insurance youcomparequotes 10326
16 Delaware Car Insurance youcomparequotes 10615
15 Delaware Auto Insurance youcomparequotes 10494
14 Connecticut Car Insurance youcomparequotes 10411
13 Connecticut Auto Insurance youcomparequotes 10170
12 Colorado Car Insurance Quotes youcomparequotes 10423
11 Colorado Auto Insurance youcomparequotes 9975
10 California Car Insurance Quotes youcomparequotes 10917
9 California Auto Insurance Quotes youcomparequotes 11055
8 Arkansas Car Insurance youcomparequotes 10361
7 Arkansas Auto Insurance youcomparequotes 10595
6 Arizona Car Insurance Quotes youcomparequotes 10550
5 Arizona Auto Insurance youcomparequotes 10983
4 Alaska Car Insurance youcomparequotes 10597
3 Alaska Auto Insurance youcomparequotes 11514
2 Alabama Car Insurance youcomparequotes 10202
1 Alabama Auto Insurance youcomparequotes 10741
XE Login