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Finding the cheap auto insurance in South Carolina you've been looking for is easier than ever. Whether you need the cheapest auto insurance in Columbia, or cheap auto insurance in Charleston, use the handy zipcode form above and find out why we're rapidly becoming the largest source of SC auto insurance providers. From North Charleston to Sumter, from Mount Pleasant to Greenville, it's the cheap SC car insurance you're looking for.
The minimum insurance required to drive a car in South Carolina is 25/50/25. This puts South Carolina auto insurance requirements almost in the middle of what others require as their minimum for insurance coverage. Just because a state may have low insurance coverage requirements does not mean insurance is more inexpensive in that state. New Jersey has one of the lowest insurance requirements, but one of the highest insurance rates. And that is just the reason for their low requirements, few people could afford to drive if the requirements were higher. South Carolina auto insurance also falls right in the middle of states in the higher and lower statistic related to the cost of premiums. South Carolina is rated as 25th, which means 24 state have higher auto insurance rates and 25 state have lower rates. South Carolina has a point system for determining when a driver needs to seek defensive driving due to points accumulated as a result of traffic tickets. If a driver accumulates 12 points, he is eligible for suspension of his license. However, a driver can avoid suspension if he takes a defensive driving course in the state of South Carolina before his license is suspended. Otherwise, he will have to serve his suspension. Defensive driving courses may only be taken once in a three year period, but points are reduced by half in a 12 month period from the date of issuance of the ticket. Points will determine the rate of a South Carolina auto insurance policy. As all other states of the Union, South Carolina requires a driver to prove financial responsibility before being issued a drivers license or a tag for their car. There are two ways to show financial responsibility in South Carolina, one is through the purchase of a liability insurance policy. The other is through registering as an uninsured motorist and paying a fee of $550.00 per year. Purchasing this registration does not insure you, and if you are in an accident and are cited as at fault, you will be responsible for whatever damages your car inflicted on the other vehicle. You will also be responsible for any medical bills associated with the crash. Since South Carolina is a tort state, that would mean you would be going to court to defend yourself. The expenses associated with that process would place you at greater expense and risk than the purchase of a South Carolina auto insurance liability policy. Industry experts predicy rising car insurance rates nationwide in 2012 and South Carolina should be no exception. Check instant online quotes to determine just how much you could save on your auto insurance in SC in the coming months alone.
 
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