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Car Insurance Requirements in South Carolina

When looking for car insurance in South Carolina, it is important that you understand the state minimum on getting car insurance, as well as the penalties for failing to do so. To find the cheapest car insurance, many South Carolina motorists compare different providers. It is a well-known fact that you can save money by comparing auto insurance quotes. With various auto insurance rates available in the state, it is easy for residents to find the coverage that meets requirements and satisfies their financial needs. Additionally, it is important to understand the uninsured motorist fee that is implemented in the state. To learn about cheap auto insurance in South Carolina and what it covers, read the following sections.

South Carolina Auto Insurance Requirements

When looking for new car insurance in South Carolina, it is crucial that you understand the state minimum requirements to ensure that you do not pay additional fines for a lapse in coverage or coverage that does not meet state requirements. In South Carolina, you must get car insurance that meets both liability and uninsured motorist coverage requirements. The liability coverage car insurance minimum requirements are as follows:

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

The above auto coverage requirements are often referred to as 25/50/25 insurance. Liability insurance covers the damages and injuries to the other party if you caused the accident, while uninsured motorist insurance pays for the damages and injuries that you suffer if your accident is caused by a driver who does not have insurance. The minimum uninsured motorist coverage vehicle insurance that you must have is as follows:

  • $25,000 for property damage
  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident

South Carolina full coverage car insurance may be required when you purchase a vehicle. It includes collision and/or comprehensive coverage and is often required if you have a lender or lien on your motor vehicle. Find cheap car insurance options here.

Penalty for Failing to Buy Auto Insurance in South Carolina

Having car insurance in South Carolina is incredibly important, as SC is one of the few states that monitors the coverage that its motorists maintain. A lapse in coverage or a lack of coverage could result in a fine. Motorists can be fined an additional charge per day of lapse up to a certain amount. These fines do not include ticket penalties should uninsured drivers be pulled over by law enforcement and not have proof of financial responsibility. Therefore, it is important to research car insurance quotes online, as it is the most convenient way to get a policy before fines become applicable.

Many motorists may be wondering, “How much is car insurance in South Carolina?” and fortunately you can find out today. If you are looking for cheap car insurance quotes, then you can save money by comparing auto insurance quotes here.

Compare Auto Insurance in South Carolina Against the Uninsured Motorist Fee

If you are wondering, “What is the cheapest car insurance in South Carolina?” because you feel it is too high an expense, then know that state law does allow for a legal way to drive without proof of financial responsibility. Rather than choose discount auto insurance, you have the option of choosing to pay the state an uninsured motorist fee. When considering car insurance cost, you may feel that paying the annual uninsured motorist fee is preferable. If stopped by a law enforcement officer, then you would show proof of this payment as your proof of financial responsibility. However, it does not cover any damages or injuries should you cause an accident. If you cause an accident, then you will be completely liable for damages, even if the other driver has met his or her uninsured motorist coverage minimum. It is recommended that you instead look up car insurance prices in order to find the best car insurance premium available to you. Researching auto insurance quotes can help save you money and avoid the consequences of being uninsured. Save time and find online car insurance quotes today by clicking here.

How to Get Car Insurance in South Carolina

Finding vehicle insurance in South Carolina has never been easier. You can compare coverage policies over a variety of reputable auto insurance agencies. Keep in mind that you can always obtain additional coverage that is above the South Carolina coverage limits to lessen your potential expenses as a result of an accident. Get auto insurance quotes here.