Average Cost of Car Insurance in South Carolina in 2022 | Bankrate
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Read more: Best car insurance companies for 2022
How much does car insurance cost in South Carolina?
The price each driver pays for car insurance rates in South Carolina is determined by a number of factors. Which ZIP code you live in, your old age, drive record, make and model of the vehicle and coverages needed all matter when purchasing car indemnity. Rates for South Carolina are just below the average cost of car indemnity in the U.S., which is $ 565 for state minimal indebtedness coverage and $ 1,674 for full coverage per class .
South Carolina car insurance rates by company
As you can see by the board below, the price of car policy in South Carolina varies by carrier, tied when using the same tug profile. When trying to find the best and cheapest car policy in South Carolina, shopping for multiple quotes is normally the easiest manner to find a company for your car insurance needs .
South Carolina car insurance rates by city
To give an estimate of how cable car indemnity costs differ by city in South Carolina, we analyzed quotes from the clear 20 cities in the state by population. The table below outlines the average annual premium for full coverage and the share deviation based on the state of matter average of $ 1,512 per year .
|City||Average annual premium for full coverage||% difference from state average annual premium|
South Carolina car insurance rates by age
cable car indemnity rates besides change by long time, with younger, inexperienced drivers paying the most for car insurance. In South Carolina, drivers in the 50- and 60-year-old historic period group pay the least amount per class for cable car indemnity on median. *16 year old calculated on parent ’ mho policy disclosure
South Carolina car insurance rates by driving record
No matter what state you live in, bum car insurance rates are easier to find for drivers without tickets and accidents on their drive record. Drivers in South Carolina with a speeding tag pay on median 19 % annually more than drivers without a ticket. If you get into an at-fault accident, you will see on average a 42 % increase in your car indemnity premiums. Getting a DUI in South Carolina will cause rates to go up by about 70 % .
|Driving incident||Average annual full coverage premium in South Carolina||% increase of average annual premium|
How to save on car insurance in South Carolina
When shopping for car insurance in South Carolina, there are a few ways you may be able to save on coverage costs. Finding low-cost car insurance rates may be harder if you have a ticket, accident or DUI on your record, but using these tips may help you get cheaper coverage besides :
- Do an annual review: If you have not reviewed your car insurance policy within the last year, you could be leaving valuable savings on the table. Review your policy with your insurance agent to make sure you only have coverages you need and nothing you do not.
- Get multiple quotes: If you do not want to change coverage but want more affordable car insurance rates, shopping around for quotes and switching carriers may be the way to go. Compare the same coverages with all companies to know which one offers the best rates for the coverage you need.
- Increase a deductible: The higher your deductible is, the lower the car insurance rate, but that does not mean it is the best option for everyone. If you choose to go with a higher deductible, make sure you can pay the full amount out-of-pocket in case you have to file a claim in the future.
- Know rates before you buy a car: One mistake people can make when purchasing a new car is focusing only on the monthly car payment and not factoring in the cost of car insurance. When shopping for cars, get quotes to compare different makes and models to determine what you can truly afford.
- Take advantage of discounts: Most car insurance discounts are stackable so the savings can really add up if you qualify for several. By bundling auto and home, allowing the insurance company to track your driving habits and paying in full, you may be able to reduce your car insurance rates to save more money.
Frequently asked questions
Who has the cheapest car insurance in South Carolina?
Rates for car insurance vary by aircraft carrier and person drive profiles. To find the cheapest car indemnity options in South Carolina for your specific needs, shop with respective companies to compare quotes with the same coverage .
How much is car insurance per month in SC?
On average, drivers in South Carolina pay $ 126 per month for full coverage car insurance. For drivers with country minimum liability coverage, the average driver pays $ 46.50 per month. These rates are based on a driver with a clean drive commemorate and may be different from the rates you are offered by South Carolina car policy companies .
Do you need car insurance in South Carolina?
Yes, South Carolina requires drivers in the state to carry minimal liability cable car policy coverage. Drivers must carry at least 25/50/25, which is $ 25,000 per person for bodily injury, $ 50,000 for all people for bodily injury and $ 25,000 for property damage liability. Auto insurance companies are required to offer the lapp limits for uninsured motorist coverage but you are not required to buy it .
Is SC a no-fault car insurance state?
No, South Carolina is an at-fault car policy state, meaning fault is determined based on the circumstances of the accident. Whoever is deemed at fault is creditworthy to pay for the other person ’ south injuries and property price which is why drivers are encouraged by license insurance agents to purchase angstrom much car indemnity coverage they can afford .
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive criminal record, estimable recognition and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ south requirements. Our free-base visibility drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum.
These are sample rates and should entirely be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our base visibility with the following incidents applied : clean read ( base ), at-fault accident, individual accelerate ticket, individual DUI conviction and sink in coverage .
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