The cheapest car insurance in South Carolina depends on a number of factors that providers review to determine your rates. When insurers start appraising rates, they leverage things like your credit score, driving record, marital status, and ZIP code. Because different providers specialize in different types of coverage, you’ll find that the cheapest company will vary from person to person.
Direct Auto, for example, specializes in insurance for high-risk drivers. Although Direct Auto might offer the cheapest rates for someone with a DUI on their record, you can probably find a better offer if you don’t have a history of traffic violations, accidents, or claims.
Read on for a detailed look at the cheapest auto insurance companies, and look out for categories that highlight your unique background and driving experience.
The more coverage you gain on your policy, the higher your insurance costs will be. In South Carolina, the cheapest rates you can find for both full and minimum coverage are well below the state averages. South Carolina’s state averages for full coverage and minimum coverage are $1,353 and $824, respectively.1
As we mentioned above, companies offer different specializations and insurance types for a wide range of customers. Providers like GEICO and State Farm, for example, offer all-around low rates for most drivers. USAA, on the other hand, offers the best auto insurance for military members, veterans, and military families.
Speak to an agent, or call one of AutoInsurance.com’s Perfect Policy Connectors to search for a plan and provider that fits your needs.
|Full coverage annual cost
You probably won’t be surprised to learn that people with a bad driving record tend to pay more for car insurance. Even with the cheapest option, you can expect to pay more than the state average if you have a poor driving record. Here’s what those numbers look like for most drivers in the Palmetto State.
|Driving record status
|Good driving record
|Bad driving record
Unsure what constitutes a poor driving record? Here’s a list of things that can hurt your driving record and increase your car insurance premiums:
- A history of claims
- A history of accidents
- Several points on your driving record
- Moving violations
- Serious driving offenses, like a DUI or hit-and-run
- Traffic violations (like driving without a license)
South Carolina is one of 46 states that allow insurance providers to use credit scores in their appraisal process. If you have bad credit, you will probably have to pay more for car insurance. In some cases, insurance providers may even deny your application, refuse to renew your plan, or cancel an existing plan if your credit is bad.