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Best South Carolina Auto Insurance

Here's what you need to know...
  • S.C. is a no-fault state
  • S.C. requires drivers to have bodily injury, property damage liability, uninsured motorist bodily injury and uninsured motorist policy
  • Liability has 3 levels: personal injury, auto repairs and medical expenses

Who are the best South Carolina car insurance companies? Well, that depends on who ask. Or should I what you are looking for. South Carolina has auto insurance premiums lower than most nationwide.

You must consider the state mandated requirements. Do you want full or liability? South Carolina does not require it’s residents to have liability insurance. S.C. is a no-fault state.

If you are in an accident and are found to be responsible for the fracture of the person or property, you will pay. Uninsured motorist policies won’t help at all.

When defining a car insurance company as being the best, do you go by the highest reported customer satisfaction rate, low price, fast response time?

Does the option of having a choice of the rental factor in? How about speaking to a live operator? There are several ways up can find information to help you choose the right fit for you. The

The South Carolina Department of Insurance offers a plethora of information. You just have to know where to look.

Comparison guide listings rate the insurance companies. Non standard and standard will each have a quote to make your policy more unique.

Right now the listed companies show competitive rates for State Farm, Geico, Esurance, and Nation Wide. The site has a Trend tool to help navigate the most recent numbers.

All active meet the South Carolina insurance requirements. Brochures offers will be found there.along with the other specials.

Compare state car insurance with our free comparison tool above!

South Carolina Insurance Requirements

AdobeStock_83230289-1600x1600Here are some of South Carolina’s car insurance requirements:

  • Bodily Injury Liability- $25,000/ $50,000 limit.Property damage liability-$25,000 limit
  • Uninsured motorist Bodily injury- $25,000/ $50,000 limit.Uninsured Motorist Property- $25,000 limit.

Liability car coverage has three levels.

  • $15,000 coverage for injuries to a single driver
  • $30,000 coverage for medical expenses of any and all vehicles, injured passengers
  • $10,000 coverage for auto repairs to both public and private property caused by the accident, including any damages inflicted on the victim’s vehicle.

Floyd S. Mills III known by ‘Trey Mills’ of Trammell law Firm said that the best South Carolina car insurance companies are State Farm, Farm Bureau, and NationWide & Traveler’s tied for third.

In the next few paragraphs, you will find the comparison of three of the top rated auto insurance companies in South Carolina. The make and model of the car in this auto insurance comparison is a 1999 Chevrolet Lumina L.S. 4 door sedan with dual

The make and model of the car in this auto insurance comparison is a 1999 Chevrolet Lumina L.S. 4 door sedan with dual airbags and anti-lock brakes, with an anti-theft device on it.

Geico Insurance Company

adobestock_26863863-1600x1600Below are some of the specific Geico car insurance.

  • Bodily Injury liability $25,000/$50,000 $81.80 for six months
  • Property Damage liability $25,000
  • Uninsured Motorist Bodily Injury $25,000/50,000 $18.10 for six months
  • uninsured motorist Property Damage $25,000 {with $200 deductible} $4.30 for six months

Geico also offers more coverage. You could add medical payments, collision (Coll), rental reimbursement (RR), comprehensive(COM), and emergency roadside service(ERS) to save you more money.

Does that make this one the best? In the next paragraph, I will give you the rates for Allstate.

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All State Insurance Company

All State offers auto insurance discount opportunities with automatic savings. Those discounts are for the following items: performance=$24 per six months, anti-lock brakes $58 per month, good payer discount=$36 per six months. This savings adds up to be $118 over six months.

However, the AllState auto insurance savings listed in this article will vary based upon the driver.

The “Easy Pay Discount” paying your bill online could save you $33 over the six month period of time stated above.

Taking a defensive driving course could save you money on your payments. The driving course is an adult driver training class.

It’s approved by the state and you are entitled to this discount if you passed the required course. Bringing proof of this class will aid you in getting the rate that you want.The guidelines are very simple.

  • Are they the main driver of the vehicle?
  • Are they at least 21 years of age?
  • Has he/she taken the course and completed within the last 3 years of seeking insurance?

21st Century Insurance

adobestock_74638728-1600x160021st Century insurance company is the last of this article. 21st Century Insurance offers their own discounts, as well as side by side quotes.

They give you 24-hour roadside assistance standard. 21st Century has a very fast response time to handle your immediate needs. Look at the chart below to see their prices based on a six month period.

Side by side quote of driver coverage:

  • Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $205.30 cost $229.93
  • Property Damage $25,000 vs $25,000
    • Cost: $168.77 cost $168.77
  • Medical Payments $1,000 vs $1,000
    • Cost: $39.03 cost $39.03
  • Uninsured Motorist Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $49.00 cost $60.57
  • Uninsured Motorist Prop. Damage $25,000 vs $25,000
    • Cost: $13.55 cost $13.55
  • Uninsured Motorist Bodily Injury $25,000/$50,000 vs $50,000/$100,000
    • Cost: $100.59 cost $140.84
  • Uninsured Motorist $25,000 vs $25,000

You have a lot to think about when saying who’s the best car insurance in South Carolina. Many vehicles of information are available to help make it easier to compare car insurance rates around South Carolina.

Some of the rates you will see will be the same. Most are slightly different. Some auto insurance companies offer discounts that others do not.

Then, you have the auto insurance companies that have better people skills. Customer service is very important. The company above 21st Century Insurance had the fastest.

All state Insurance company, Geico insurance company, Esurance insurance company, and Progressive insurance company were the most talked about on many of the sites from above.

When deciding who’s the best auto insurance company, the perception is up to you.

First, Look at every avenue then form your own opinion. Second, enter your zip below and let us do a free car insurance comparison for you!

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