South Carolina Car Insurance Calculator

Many factors can impact how much car insurance costs, so our South Carolina car insurance calculator takes them all into account and provides an estimated estimate. You can also use it to make more informed decisions regarding coverage – for instance a minimum policy would cost less than one that offers more protection than state requirements; and our tool also shows you the total costs for adding collision and comprehensive policies, helping you determine whether full coverage is worth its higher premium costs, or whether dropping it will save on premiums instead.

Your choice of coverage can have a dramatic effect on the cost of car insurance in South Carolina. For instance, selecting higher limits of liability coverage will raise rates more than selecting lower ones; also consider your vehicle type as this can impact rates as expensive repairs or accidents tend to lead to higher premiums. Our South Carolina car insurance calculator lets you compare price estimates across coverage levels while taking mileage into account as well.

No matter which amount of coverage you select, it’s crucial to keep your driving record clean and continuous coverage uninterrupted. Drivers with clean records tend to pay less for car insurance. Furthermore, insuring yourself for only short periods can cause premiums to spike significantly and may disqualify certain discounts that were previously eligible.

Insurance providers take all these factors into consideration differently when setting premiums; that’s why the cheapest auto insurer may not always be the most suitable for someone else. For instance, USAA might be an affordable solution for drivers under 25, while someone with multiple traffic violations on their record could do better with GEICO.

When considering your car insurance costs, it’s also essential to factor in its total value. The average vehicle in America costs roughly $18,500 – so consider that when setting the amount of insurance. Buying an inexpensive used vehicle that requires minimal repairs could be an ideal way to cut back costs.

South Carolina requires its drivers to have at a minimum bodily injury and property damage liability coverage as well as uninsured/underinsured motorist coverage, with bodily injury liability coverage of at least $100,000 and uninsured/underinsured motorist coverage of at least $10,000 each. These coverages provide financial protection in case of an at-fault accident. Lenders or lease agreements might require you to purchase additional comprehensive policies including collision and comprehensive protection; for most drivers this additional coverage might not be necessary as one with state minimum coverage plus $500 deductible will typically only cost approximately $49 monthly or $591 annually on average.