Question 1

How can I get accurate car insurance quotes in South Carolina?

Accepted Answer

To get reliable car insurance quotes in South Carolina, enter your ZIP code into a quote comparison tool and provide your driving history, vehicle details, and desired coverage. Most tools deliver side-by-side pricing in under 5 minutes.

Question 2

What affects car insurance rates in South Carolina the most?

Accepted Answer

Your driving record, location, vehicle type, credit score, and age all influence car insurance rates in South Carolina. For instance, a driver in Greenville with a spotless record and average credit may pay less than someone in Columbia with an at-fault accident.
Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.

Question 3

What is the average cost of car insurance in South Carolina?

Accepted Answer

On average, South Carolina drivers pay between $110 and $150 per month for car insurance coverage. Rates vary by city, driving record, and coverage type. For example, Charleston and Columbia tend to have higher premiums due to traffic density and accident rates.

Question 4

How does non-owner car insurance work in South Carolina?

Accepted Answer

Non-owner car insurance in South Carolina covers you if you drive but don’t own a vehicle. It includes liability but not collision or comprehensive coverage. It’s useful for people who rent cars often or need to reinstate a suspended license.

Question 5

What’s the minimum car insurance required in South Carolina?

Accepted Answer

South Carolina requires liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Uninsured motorist coverage is also mandatory.

Question 6

Where can I find cheap car insurance in South Carolina with solid coverage?

Accepted Answer

Progressive, Geico, and Acceptance Insurance are among the cheapest car insurance companies in South Carolina, with rates starting around $100 per month. Comparing quotes online can help you lock in a low rate with the coverage you actually need.

Question 7

What are the best auto insurance companies in South Carolina right now?

Accepted Answer

Progressive, Allstate, and Nationwide are among the top picks for 2025. Progressive leads with low rates around $115 per month, while Allstate is popular for its discount options and Nationwide for its balanced coverage.

Question 8

Can I find cheap full coverage car insurance in South Carolina?

Accepted Answer

Yes, full coverage doesn’t have to break the bank. Progressive and Liberty Mutual offer full coverage policies with collision and comprehensive coverage starting around $140 per month, especially when combined with safe driving discounts.

Question 9

Which companies offer the most affordable auto insurance in South Carolina?

Accepted Answer

Progressive and Nationwide offer some of the most affordable auto insurance in South Carolina, especially for drivers with clean records. They&#8217;re also among the cheap car insurance companies that only look back 3 years, making them a smart pick if past issues have since cleared. For basic liability, you could find rates under $90 per month if you qualify for discounts.

Question 10

What options are available for high-risk auto insurance in South Carolina?

Accepted Answer

High-risk drivers in South Carolina—those with DUIs, multiple accidents, or lapses in coverage—often turn to Acceptance Insurance or The General. Expect rates above $200 per month, but many providers offer forgiveness or discounts over time.

Question 11

Where can I get cheap SR-22 insurance in South Carolina?

Accepted Answer

Direct Auto, Progressive, and Dairyland offer SR-22 insurance in South Carolina with filing included. Monthly rates typically range from $120 to $250, depending on your violation and driving record.

Question 12

Are there good options for low-income car insurance in South Carolina?

Accepted Answer

Yes. Acceptance and Direct Auto offer cheap car insurance for low-income drivers with flexible payments and basic liability. Bundling and usage-based discounts can lower costs further.

Question 13

What is the best auto insurance in South Carolina for customer satisfaction?

Accepted Answer

American Family and State Farm score high in customer satisfaction due to responsive claims handling and helpful agents. If service is as important to you as cost, they’re worth considering.
See if you’re getting the best deal on car insurance by entering your ZIP code here.

Question 14

What’s the best car insurance in South Carolina for young drivers under 25?

Accepted Answer

State Farm and Nationwide offer solid plans for young drivers, including good student and driver training discounts. Expect rates to start around $180 per month, but usage-based programs can help bring that number down.

Question 15

Is there cheap liability car insurance in SC that meets minimum legal requirements?

Accepted Answer

Yes. South Carolina’s minimum liability limits are 25/50/25, which includes bodily injury liability coverage to pay for injuries you cause to others. Some providers like Geico and USAA (for eligible members) offer minimum coverage starting under $70 per month, depending on location and driving history.

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