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Low Auto Insurance Rates in South Carolina

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In 2011, South Carolina auto insurance premiums approximately mirror the national average; South Carolina drivers pay an average of $1,416 whereas that average nationwide is $1,440.

Annual Changes

Auto insurance premiums in South Carolina decreased 6% for 2011, which was the same decrease shown between 2009 and 2010. Prices for car insurance in South Carolina are not fixed or regulated by the state or the industry, so that each company is free to set its own rates. Drivers are advised to check our site for the latest car insurance prices in South Carolina so that they can make sure to get the best possible prices.

Seasonal Changes

South Carolina annual premiums fluctuated quite frequently in 2010. The spring and early summer months saw a steady rise in premiums, and although premiums did fall in June it was only in August that they fell back to the levels of the beginning of the year. By September, rates started to fall substantially, only to rise again in December, although the winter 2010 level was still lower than the pre-reduction rate. Such volatility can occur again in South Carolina, so that drivers are urged to be sure to keep track of auto insurance rates.

Insurance Requirements

In South Carolina, minimum required insurance limits are set at $25,000 per person/$50,000 per accident for bodily injury with a $25,000 property damage liability limit. In addition, there is now mandatory uninsured and underinsured motorist coverage for both bodily and property damage, and all limits are set at the same levels as standard coverage. Nevertheless, the state works under a tort system, where one party must be judged responsible for any accident. That party is then held liable for the entire cost of the accident. Higher limits are therefore recommended to protect assets in the event of a lawsuit.

Advice for Getting the Best Deals

South Carolina auto insurance policies are issued by both national and regional insurance companies. Since every company uses different criteria to determine its premiums for each driver, no insurer can consistently offer the lowest rates. Experts recommend obtaining multiple quotes from reliable insurance companies which are rated A or higher by A. M. Best. It is also advised to check the J. D. Power ratings for consumer service related information.

This site serves drivers in South Carolina who use it to obtain multiple quotes as well as up-to-date insurance information that helps them get the lowest prices for auto insurance.

 

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