South Carolina Auto Insurance
From the majestic Blue Ridge Mountains across the stately antebellum plantations to the breathtaking beaches, South Carolina has something to offer everyone who lives there. But in most cases, you need a vehicle to explore all the wonderful corners of this great state. And if you do a great deal of driving on South Carolina roads, you should make sure that you safeguard yourself against the unforeseen expenses that stem from being involved in auto accidents.
Auto insurance rates in South Carolina can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.
Required Auto Insurance in South Carolina
If you want to remain in good legal standing, you'll need to purchase auto insurance before taking to the highways and byways of South Carolina. First, state law requires you to obtain and maintain liability insurance, or to register with the state as an uninsured motorist. Anyone who is involved in an accident which you cause can be compensated for their medical bills and/or vehicle damage. In addition to liability insurance, you must also buy uninsured motorist coverage. This type of policy is to protect you in case you or your passengers are injured in a crash caused by an uninsured motorist.
State Minimum Liability Coverage in South Carolina:
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $25,000 per accident
State Minimum Uninsured Motorist Coverage in South Carolina:
- $25,000 per person, per accident for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in South Carolina to Consider
You should always keep in mind that the term "auto insurance" refers to much more than the minimum policies as required by state law. There are several types of optional policies that can help guard against financial problems that stem from inadequate coverage. They can also help you get your car up and running again in a timely fashion by taking care of the necessary repair costs.
Below are some examples you may want to consider:
- Collision Coverage - Many people cannot easily survive without a functioning vehicle. And if they cause an accident or strike a heavy object with their vehicle, they may be hard pressed to find enough money to get it out of the repair shop. Collision coverage pays to fix any vehicle up to the policy's maximum limits, which can be the difference between getting a vehicle up and running in a week or having it sit idle in an auto shop for several weeks.
- Comprehensive Coverage - Unfortunately, auto theft is all too common in South Carolina. And liability insurance won't reimburse you for the value of your stolen vehicle. Comprehensive coverage protects your vehicle from everything bad that can happen to it other than a collision. Therefore, this policy is equally valuable in situations where a vehicle is damaged by hail, flooding, fallen objects, fire, or vandalism.
- Higher Bodily Injury Limits - Do you remember the last hospital bill you saw? You probably couldn't believe how expensive health care can be. If you cause an accident that puts someone else in the hospital (especially for a long time), you'll be responsible for paying that bill. And if your liability coverage limits are set too low, you'll have to shell out money for whatever costs aren't reimbursed by the insurer. To avoid this scenario, consider increasing your bodily injury coverage limits on your liability policy.
- Higher Property Damage Limits - It's true that $25,000 sounds like a lot of money when it comes to property damage. But with the minimum amount of coverage, that sum could vanish quickly if you run into a building, collide with a luxury vehicle, or cause a multi-car accident. Maybe you would feel safer if you raised the property damage limits on your liability policy as well.
There's no law on the books that says you have to purchase any one of these optional policies. But for many drivers, the slight increase in premium is more than worth the peace of mind they receive from being covered against more serious calamities. If you think you could benefit from these optional coverages contact an AIS agent to find out more information.
South Carolina Auto Insurance Discounts
Now, here's the fun part: looking for discounts on your auto insurance! Almost every South Carolina driver can qualify for discounts on not only mandatory policies, but also the optional coverages listed above.
Examples of discounts include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
In order to live and work in South Carolina, you will likely want to own a vehicle that's in good working condition. But if it gets involved in a collision and you don't have adequate auto insurance, you could be in a bind. If you need a little help in determining the right level of coverage for you, Auto Insurance Specialists can steer you in the right direction. AIS is well-skilled at finding auto insurance policies that fit your needs without draining your bank account. See how the friendly people at AIS can help you get covered with the correct South Carolina auto insurance - and perhaps save you money in the process!
Start a South Carolina Insurance Quote Today: (888) 772-4247