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- Budget Insurance Agency · Auto Insurance · South Carolina
South Carolina Auto Insurance,
Covered the Right Way
South Carolina is one of the few states where uninsured motorist coverage can’t be waived — it’s built into every policy by law. We compare 12+ carriers so you’re properly protected, not just legally compliant.
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South Carolina auto insurance requires 25/50/25 liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 in property damage. What sets South Carolina apart from most states is its uninsured motorist requirement: coverage matching those same limits is mandatory and can’t be waived, even if you want to decline it. South Carolina is an at-fault state, and driving without insurance triggers a $550 uninsured motorist fee to the SCDMV on top of license and registration suspension.
Rates vary across the state — coastal and metro areas tend to run higher than the Upstate:
| City | Estimated Full Coverage (Annual) |
|---|---|
| Charleston | $2,400 |
| Myrtle Beach | $2,200 |
| Columbia | $2,100 |
| Greenville | $1,900 |
| Spartanburg | $1,900 |
Estimates based on regional data — your actual rate depends on your driving history, vehicle, and coverage choices.
Why Budget
Insurance shopping, minus the runaround
We’re not a call center reading a script, we’re your neighbors, doing the comparison work you don’t have time for.
Independent & Unbiased
We work for you, not one insurance company, so the recommendation is actually about your best rate.
35+ Years of Experience
Real expertise finding coverage that fits — not just the cheapest number on the page.
No-Pressure Process
Compare your options, ask questions, take your time. No hard sell, ever.
Fast & Simple
Get a real quote in minutes, online or on the phone with a licensed agent.
Coverage Options
Find the right coverage for where you are in life
Liability Only
Meets your state’s minimum requirement at the lowest possible cost.
Covers damage you cause to others, but nothing for your own vehicle. Meeting the legal minimum satisfies the law — it may not fully protect you financially after a serious accident.
Full Coverage
Adds comprehensive and collision for broader financial protection.
A higher deductible lowers your monthly premium but raises your out-of-pocket cost if you file a claim — choose a deductible you could comfortably cover today, not just afford on paper.
High-Risk / SR-22
Coverage options for drivers with violations, lapses, or DUIs.
Some quotes automatically include safe-driver, multi-policy, or usage-based discounts. Others don’t — always ask, since it can be the biggest swing factor in your final price.
Add-On Coverage
Roadside assistance, rental reimbursement, and more, as needed.
Optional coverage adds cost, but the right add-ons — like rental reimbursement — can save you far more than they cost if you’re ever without a car after an accident.
What Affects Your Rate
Every quote is personal — here's what goes into it
Driving History
Location & ZIP
Vehicle Type
Age & Experience
Credit History
Coverage Level
We Shop These Carriers So You Don’t Have To
25/50/25
South Carolina's minimum liability coverage requirement
South Carolina law requires at least $25,000 bodily injury coverage per person, $50,000 per accident, and $25,000 in property damage coverage to legally drive.
Non-Waivable
South Carolina doesn't let you opt out of uninsured motorist coverage
Unlike most states, South Carolina requires uninsured motorist coverage at the same 25/50/25 limits on every policy — and you can’t decline it, even if you want to.
How It Works
Three steps. No headaches.
1
Compare
Tell us a little about you — we shop 12+ carriers for your best rate.
2
Choose
Review your options with a real agent — no jargon, no pressure.
3
Get Covered
Finalize your policy and drive with confidence, often same-day.
Online Tools vs. A Local Agent
Fast isn't always the same as complete
| What matters | Online Quote Tools | Budget Insurance Agency |
|---|---|---|
| Speed | Instant | ✓ Minutes, by phone or online |
| Compares multiple carriers | Sometimes — often just one | ✓ 12+ carriers, every time |
| Catches coverage gaps | Rarely flagged | ✓ Reviewed by a licensed agent |
| Explains what you're buying | Self-service only | ✓ Real person, plain language |
| Follow-up if something's wrong | Call center queue | ✓ Direct line to your agent |
Real example: Amanda came to us after an online quote left out uninsured motorist coverage — critical protection in a hit-and-run or against an uninsured driver. One phone call fixed the gap and restructured her policy to save her over $600 a year.
Smart Savings
5 ways to lower your premium without cutting coverage
Bundle auto with home or renters coverage
Join a usage-based or telematics program if you're a safe driver
Raise your deductible if you have emergency savings
Compare rates every year to stay competitive
Ask about low-mileage or defensive-driving discounts
What Drivers Say
Real reviews from real customers
FAQs
Common questions about car insurance in South Carolina
What is the cheapest car insurance in South Carolina?
Liability-only policies typically offer the lowest rates, but the best way to find the cheapest option is comparing quotes based on your specific driving profile.
Is South Carolina a no-fault state for car insurance?
No — South Carolina is an at-fault state. The driver who causes the accident is responsible for the damages.
Is uninsured motorist coverage required in South Carolina?
Yes, and unlike most states, it can’t be waived. Every policy must include UM coverage at the same 25/50/25 limits as liability coverage.
Can I get affordable car insurance in South Carolina with a lower credit score?
Yes, though your rate may be higher. Comparing multiple carriers can help you find more forgiving pricing.
What happens if I drive without insurance in South Carolina?
Your license and registration can be suspended, and you’ll owe a $550 uninsured motorist fee to the SCDMV to reinstate — plus your insurer must verify continuous coverage with the state for the next three years.
Where We Serve in South Carolina
Cities we serve across South Carolina
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