Cheap Car Insurance Quotes SC

Cheap Car Insurance Quotes SC

A Guide to Budget-Friendly Car Insurance Quotes in South Carolina:

Car insurance refers to a type of insurance policy that provides financial protection against damage, theft, or accidents involving a vehicles. This policy is designed to help cover the cost associated with repairing or replacing  a vehicle, as well  as medical expenses for the injuries sustained by the driver, passengers and other that has acquired injuries in the accident.

South Carolina car insurance include different types of coverage, such as liability coverage (which pays for damages  to others if your are at fault in an accident), collision coverage (which pays for the damages of your own vehicle in a collision) and comprehensive coverage (which covers for damages from events like theft, vandalism, or natural disaster). The specifics of car insurance policy ca vary depending on factors such  as the  insurance company, the type of vehicle you are driving, the drivers history and the state’s insurance regulations.

Car insurance in South Carolina SC is cheaper than the national average by about 27%. If you find a good deal with a low  cost insurance company, you might save even more money. On average, a full coverage  for a car insurance cots around $ 1, 887 per year in SC, while the minimum coverage  is about $ 660 annually. In other to help you in finding  a cheap insurance for your car, this article looked at quotes from Quadrant Information services.

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Who Offers A Cheap Insurance Quotes In SC ( South Carolina)

In South Carolina, drivers eligible for USAA membership can access the state’s most budget-friendly average rate, standing at $1,084 annually. For those not eligible, Auto-Owners Insurance provides the lowest average yearly rates at $1,180.

Conversely, Farmers exhibits the highest average annual rate, reaching $4,791. It is essential to understand that these rates are illustrative, and your actual car insurance expenses are influenced by various factors. Insurers take into account elements like age, location, vehicle type, and driving record when calculating costs. Therefore, the rates you incur may vary from those outlined in this analysis.

Which Companies Offers A Cheap Insurance Quotes In SC

There are a lot of companies that offers cheap insurance quotes in South Carolina including the following:

• Geico
• State Farm
• Travelers
• Nationwide
• Allstate

How Much Car Insurance You Need In SC

In South Carolina, drivers must have a minimum level of car insurance coverage. This includes:

• $25,000 of bodily injury coverage per person
• $50,000 of total bodily injury coverage per accident
• Additionally, drivers must carry at least $25,000 of property damage coverage.

Furthermore, uninsured motorist coverage is mandatory in South Carolina, with minimum amounts matching the liability coverage (25/50/25). Drivers can opt for higher limits of uninsured motorist coverage if desired.

Cheap Car Insurance Quotes For Teens In SC

Auto-Owners Insurance offers the most affordable average annual rate for 17-year-old female drivers in South Carolina, coming in at $2,708. Conversely, for male teen drivers, Southern Farm Bureau presents the lowest average rate at $3,319 per year.

These figures notably undercut the statewide averages of $5,535 for female teens and $6,126 for male teens. Progressive records the highest average rates in our analysis for both female and male teen drivers, amounting to $13,677 and $15,187 per year, respectively.

Allstate:

• 17-Year-Old Female: $4,173
• 17-Year-Old Male: $5,326

American Family:

• 17-Year-Old Female: $4,472
• 17-Year-Old Male: $4,355

Auto-Owners Insurance:

• 17-Year-Old Female: $2,708
• 17-Year-Old Male: $3,679

Farmers:

• 17-Year-Old Female: $10,650
• 17-Year-Old Male: $11,063

Geico:

• 17-Year-Old Female: $3,958
• 17-Year-Old Male: $4,071

Cheap Car Insurance Quotes For Young Adults In SC

USAA:

• Average Rate for 25-Year-Old Male Drivers: $1,329 per year
• Average Rate for 25-Year-Old Female Drivers: $1,316 per year

Auto-Owners Insurance (for those not qualifying for USAA):

• Average Rate for 25-Year-Old Male Drivers: $1,433 per year
• Average Rate for 25-Year-Old Female Drivers: $1,453 per year

Statewide Average Annual Rates:

• For 25-Year-Old Males: $2,262
• For 25-Year-Old Females: $2,179

Farmers:

Highest Sample Annual Rates:

• For 25-Year-Old Male Drivers: $6,169 on average
• For 25-Year-Old Female Drivers: $5,828 on average

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Cheap Car Insurance Quotes For Adults SC

In South Carolina, USAA offers the most affordable car insurance rates on average for married 35-year-old drivers, coming in at $1,009 for males and $994 for females. Following closely behind is Auto-Owners Insurance with the second-lowest average annual rates for both genders, totaling $1,093.

On average, married adults of this age bracket pay around $1,660 annually for males and $1,656 for females. Conversely, Farmers stands out with the highest average rates among insurers analyzed for this demographic, with male drivers facing an average annual cost of $4,144 and female drivers at $4,189.

Allstate:

• 35-Year-Old Female: $1,725
  35-Year-Old Male: $1,721

American Family:

• 35-Year-Old Female: $1,271
• 35-Year-Old Male: $1,283

Auto-Owners Insurance:

• 35-Year-Old Female: $1,093
• 35-Year-Old Male: $1,093

Farmers:

• 35-Year-Old Female: $4,189
• 35-Year-Old Male: $4,144

Geico:

• 35-Year-Old Female: $1,306
• 35-Year-Old Male: $1,306

 What Is The Required South Carolina Car Insurance

The auto insurance regulations in South Carolina focus primarily on liability coverage without added complexities. Liability insurance is designed to cover injuries and damages caused by the policyholder to others. In the event that another driver is deemed liable for an accident, you have the option to file a claim against their liability insurance or pursue legal action against them. In South Carolina, car owners are required to obtain liability coverage with at least the following minimum limits:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident
• $25,000 for damage to property in one accident

However, the state’s minimum coverage can prove insufficient in the event of a costly accident. For instance, if you cause injuries to multiple individuals, medical expenses could easily exceed South Carolina’s $50,000 coverage minimum. Consequently, you may face lawsuits for damages beyond what your insurance policy covers.

Additionally, South Carolina mandates uninsured motorist coverage. This type of coverage compensates for injuries and property damage if an uninsured driver collides with your vehicle. It is required that you purchase uninsured motorist coverage with minimum limits of:

• $25,000 for bodily injury to one person
• $50,000 for bodily injury to multiple people in one accident
• $25,000 for damage to property in one accident

Getting Cheap Car Insurance Quotes In SC

Each prominent insurer included in our examination provides various discounts aimed at attracting South Carolina drivers to purchase coverage, and these discounts are largely consistent across companies. Typical discounts available for car insurance comprise:

• Bundling policies, such as insuring your car and your home with the same company.
• Paying your policy in full, rather than opting for monthly installments
• Being a safe driver, including using a telematics device like an app to track your driving habits.
• Membership discounts, such as for AAA or AARP, can also yield lower rates.

Obtaining cost-effective car insurance in South Carolina is not just possible but imperative for maintaining responsible driving habits. By exploring the different of choices provided by leading insurers and taking advantage of available discounts, drivers can obtain insurance quotes that suit their financial constraints without sacrificing essential coverage. Visit the official website of your preffered insurance companies for more details.

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