South Carolina Car Insurance Calculator

Your auto insurance premium depends on numerous factors, and every insurer considers them differently. To help you gain insight into which aspects influence it the most, MoneyGeek conducted an in-depth analysis of average car insurance rates in South Carolina by rating factor.

Insurance companies take several factors into account when calculating premiums, including age, driving history and coverage levels. Furthermore, your vehicle type and credit score play an integral part. Your costs could increase if an at-fault accident or speeding ticket appear on your record; adding another driver could also jack up premiums significantly; for instance a teenager can cause your full coverage auto insurance in South Carolina to multiply up to threefold!

Considerations should also be given to your choice of liability coverage and collision and comprehensive policies, which is required by South Carolina with minimum amounts set at $25,000 per person and $50,000 per accident for minimum liability requirements. You might wish to protect yourself further through comprehensive or collision policies which cover vehicle damages caused by an accident; these options can either be purchased separately or bundled into a package policy with state minimum liabilities coverage.

South Carolina car insurance rates tend to be higher than national average, yet you can still obtain affordable coverage. To find the cheapest auto insurance rates in South Carolina, it’s wise to shop around multiple companies; most insurers won’t increase your rates until your policy comes up for renewal; waiting can save up to 15 percent!

If your driving record is less than stellar, it’s essential that you work towards improving it. A defensive driving course may help lower rates; additionally, paying off traffic tickets and avoiding serious infractions (like DUI conviction) will all go a long way toward improving it.

Credit score can also have an effect on your South Carolina car insurance rate. Drivers with poor credit ratings tend to file more claims, so their policies tend to be more expensive. You can increase your score by keeping debt under control and making timely payments on debts such as student loans.

When shopping for car insurance rates in South Carolina, use our free online tool to compare quotes from top companies. In just minutes you’ll have a personalized quote tailored just for you based on your zip code and driving record; choose the policy with the best balance between affordability and service quality; for military personnel we may have discounts with USAA which offers some of the lowest premiums in South Carolina while Geico, State Farm and Farmers also have top rated policies available to them – get started below by entering your personal information!