Auto Insurance in SC – Affordable Coverage for Drivers in South Carolina

Protect your car, wallet, and peace of mind with customized auto insurance plans designed for South Carolina drivers.

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Why You Need Auto Insurance in South Carolina

Auto insurance is not just a legal requirement—it’s essential for protecting your:

Finances: Avoid paying out of pocket for accidents or damages.
Vehicle: Cover repairs for collisions, vandalism, or natural disasters.
Passengers: Protect your loved ones with medical payments coverage.
Peace of Mind: Drive confidently knowing you’re protected in any situation.

Types of Auto Insurance Coverage Available

Finding the right auto insurance policy is essential for protecting yourself, your vehicle, and others on the road. At Brabham Griffin Insurance, we offer customizable coverage options to fit your needs, ensuring peace of mind whether you’re commuting, running errands, or taking long road trips.

Liability Coverage

Required by law in most states, liability insurance covers bodily injury and property damage you cause to others in an accident.

Collision Coverage

Helps pay for repairs or replacement of your vehicle after a collision, regardless of fault.

Comprehensive Coverage

Protects against non-collision incidents, such as theft, vandalism, fire, and natural disasters.

Uninsured/Underinsured Motorist Coverage

Provides financial protection if you’re in an accident caused by a driver with little or no insurance.

Medical Payments (MedPay) & Personal Injury Protection (PIP)

Covers medical expenses for you and your passengers after an accident, regardless of fault.

Roadside Assistance & Rental Car Reimbursement

Optional add-ons that provide extra convenience and support in case of breakdowns or extended repairs.

South Carolina Auto Insurance Requirements

To legally drive in South Carolina, you must meet these minimum coverage limits:

Bodily Injury Liability: $25,000 per person / $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage

Optional Coverage: Consider adding underinsured motorist protection or collision coverage for additional peace of mind.

How Much Does Auto Insurance Cost in South Carolina?

The average cost of auto insurance in South Carolina is $1,668 per year (about $139 per month), but your premium depends on factors like:

Location (urban areas may have higher rates).
Driving history and age.
Vehicle type and chosen coverage limits.

Tip: Bundling your policies or maintaining a clean driving record can significantly reduce costs.

Common Questions About Auto Insurance in SC

What are the minimum auto insurance requirements in South Carolina?

South Carolina requires liability coverage with limits of $25,000/$50,000 for bodily injury and $25,000 for property damage.

How can I lower my auto insurance premium?

Bundle policies, maintain a clean driving record, and take advantage of discounts like low mileage or good driver.

What happens if I drive without auto insurance in SC?

Driving without auto insurance in SC can lead to serious consequences.

You may face fines, license and registration suspension, and be required to file an SR-22, which can increase your future insurance premiums. If you’re in an accident while uninsured, you could also be held personally responsible for any damages.

It’s best to stay insured to avoid legal and financial trouble.

Does auto insurance cover natural disasters?

Yes, with comprehensive coverage, damages from floods, storms, or fires are covered.

How Can I Save on auto insurance in SC?

You can lower your auto insurance premiums by taking advantage of available discounts. Safe drivers with a clean record may qualify for good driver discounts, while insuring multiple vehicles under the same policy can lead to multi-car savings. Bundling auto and home insurance is another great way to reduce costs. If you drive fewer miles, you may be eligible for a low mileage discount, and vehicles equipped with anti-theft systems or advanced safety features can also help you save.

What Affects rate on Auto Insurance in SC?

Auto insurance rates depend on both driver and vehicle factors. A clean driving record helps lower costs, while accidents and traffic violations increase rates. Younger, less experienced drivers typically pay more, and credit scores can also impact pricing. How often and why you drive—whether for commuting or leisure—affects your premium as well.

Your vehicle type matters too. Luxury and high-performance cars cost more to insure, while older cars often have lower premiums. Safety features like anti-theft systems and advanced technology may qualify for discounts.

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Don’t wait for an accident to happen. Protect your business with affordable, reliable commercial general liability insurance.

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