Auto Insurance in South Carolina

The rising cost of car insurance seems to have been arrested in the first quarter of 2010 and many states have seen premiums lowered for the first time in three years. This is true of South Carolina where the average price of a policy fell by 1% during the first three months of the year. The average price of an auto insurance policy in South Carolina is now $1,534 compared to the national US average of $1,576.

Residents in South Carolina who use their vehicle regularly are also making use of cheaper car insurance policies offered online by major insurers and their standalone websites or the growing number of price comparison facilities that are nationally advertised on television and radio.

Motorists in the Palmetto State are legally obliged to carry a minimum level of auto insurance before using their vehicles. South Carolina is a Tort system state so accountability is always factored in to an accident so that other motorists involved in an incident can make a claim from the insurance company of the party deemed to be at fault. The minimum levels of auto insurance in South Carolina are set as follows:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $25,000 worth of property damage coverage
  • $25,000 of protection against uninsured or underinsured motorists per person
  • $50,000 of protection against uninsured or underinsured motorists per accident
  • $25,000 of uninsured motorist property damage cover

Although the state of South Carolina have not made personal injury protection compulsory, it is still highly advisable to carry this particular form of insurance coverage.

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