Low Cost Car Insurance in South Carolina and beyond

For Low Cost Car Insurance in all 50 states, visit the link shown below.

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Or simply scroll down to see how you can grab the lowest possible rates on car insurance in the state of South Carolina.

photo: independentmail.com

Average Auto Insurance Rates

The average annual premium for Low Cost Car Insurance in South Carolina was $1,353 last year. This was right around the national average, which was $1,347 at the time.

Minimum Liability Coverage

South Carolina State law requires a minimum car insurance coverage of 25/50/25 per vehicle.

It's a way of briefly expressing that each car owner in South Carolina must have at least $25,000 in coverage against injury to the driver, $50,000 against injury to others, and $25,000 in coverage against property damage.

Insurance analysts postulate that the minimum coverage needed to cover the actual cost of an auto accident is $100,000 in Personal Injury Protection (also known as PIP) and $300,000 coverage against death or injury to others. Uninsured Motorist Insurance (UMI) is also recommended.

Roughly one out of five vehicles in South Carolina is uninsured.

Penalties for Uninsured Drivers

If you are ticketed for operating an uninsured vehicle in the state of South Carolina, the penalty is a fine of $200, and/or up to a month in jail, for the first and second offenses. 

Drivers convicted of subsequent violations within five years face jail terms of up to six months, followed by huge fines, reinstatement fees, and sky-splitting annual premium rates.

Low Cost Car Insurance

Here are some cool ways for car owners in South Carolina, and all over America, to reduce car insurance costs to a minimum.

1. Pay annual premiums in one lump sum each year, rather than month by month.

2. Accept an increased deductible.

3. Improve your credit score.

4. Move to a zip code where the rates are cheaper (or at least maintain a physical address there).

5. Qualify for every available discount. Among the many discounts offered by car insurance carriers are Good Driver discounts, Good Student discounts, Senior Citizen discounts, Safe Vehicle discounts, and Multiple Policy discounts, to name only a few.

Obtaining Auto Insurance Quotes

According to recent consumer reports, South Carolina's top five auto insurance carriers are

  1. Liberty Mutual
  2. Allstate
  3. Farmers Group
  4. Travelers Insurance
  5. State Farm

At the same time, many South Carolina car owners prefer smaller, regional carriers such as Direct General.

Either way, the trick is to obtain free quotes, both online and by calling local agents.

Ask about discounts and compare rates. Then select the cheapest premium package.

That's how you can save hundreds of dollars each year on car insurance. 

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