Finding out which companies quote the lowest-priced insurance rates for drivers with accidents in South Carolina may require a bit more work in order to find the lowest price. Each auto insurance company uses their own calculation for establishing rates, so let's take a look at the most affordable insurance companies in South Carolina.
Best Car Insurance Prices for Accident Prone Drivers
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,248|
|6||SC Farm Bureau Mutual||$1,260|
|7||National Grange Mutual||$1,361|
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The Hartford may have some of the lowest car insurance rates in South Carolina at around $752 each year. This is $857 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and Southern Farm Bureau also qualify as some of the best South Carolina car insurance companies.
As shown above, if you currently buy coverage from USAA and switched to The Hartford, you might see an annual savings of in the vicinity of $263. South Carolina drivers with Auto-Owners may save as much as $367 a year, and State Auto policyholders might see rate reductions of $386 a year.
To see if your current coverage is too expensive, click here to start your free quote or click through to the companies below.
Understand that those estimates are averaged for all insureds and vehicles and are not factoring in a rate increase for drivers with accidents. So the car insurance company that is best for you may not even be in the top 18 companies in the list above. That is why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The type of vehicle that needs insurance is one of the largest considerations that determines whether or not you can buy low-priced car insurance for drivers with accidents. Vehicles with higher performance characteristics, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models.
The next list outlines insurance costs for the cheapest automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$2,048|
|Ford F-150 XL Regular Cab 2WD||$2,054|
|Honda CR-V EX-L 2WD||$2,109|
|Toyota Tacoma 4WD||$2,297|
|Dodge Grand Caravan Hero||$2,322|
|Chevrolet Impala LT||$2,330|
|Chevrolet Malibu LT||$2,346|
|Ford Edge SEL AWD||$2,399|
|Honda Civic EX 4-Dr Sedan||$2,418|
|Ford Explorer Eddie Bauer AWD||$2,452|
|Toyota RAV4 Sport 4WD||$2,463|
|Honda Odyssey Touring||$2,467|
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Premium data assumes single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Prices do not factor in specific garaging location which can affect rates greatly.
Based on these rates, you can expect models like the Ford Escape, Ford F-150, Honda CR-V, Toyota Prius, and Toyota Tacoma will definitely be some of the most economical vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will trend higher because there is more risk for drivers with accidents, but generally speaking those models will tend to have the lowest insurance prices compared to other types of vehicles.
South Carolina insurance companies
Selecting a high-quality insurer can be challenging considering how many different insurance companies sell coverage in South Carolina. The ranking information in the lists below may help you choose which companies you want to consider comparing prices from. These rankings include major nationwide insurance companies, so companies with more of a regional focus will not be included in these rankings.
Top 10 Large Auto Insurance Companies in South Carolina Ranked by Customer Service
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Companies in South Carolina Ranked by A.M. Best Rating
- Travelers - A++
- USAA - A++
- GEICO - A++
- State Farm - A++
- Titan Insurance - A+
- Esurance - A+
- Progressive - A+
- Nationwide - A+
- The Hartford - A+
- Allstate - A+
How to get discounts on South Carolina car insurance
Car insurance companies that provide policies for drivers with accidents may have price discounts that could potentially reduce rates by as much as 35% or more if you meet specific criteria. A list of insurance companies and a selection of discounts are outlined below.
- American Family includes discounts for air bags, multi-vehicle, good student, Steer into Savings, and good driver.
- State Farm discounts include anti-theft, multiple policy, safe vehicle, good student, good driver, and driver's education.
- 21st Century offers discounts for good student, automatic seat belts, driver training, 55 and older, theft prevention, homeowners, and air bags.
- Travelers offers premium reductions for multi-car, home ownership, payment discounts, new car, good student, and IntelliDrive.
- GEICO has savings for air bags, emergency military deployment, federal employee, multi-policy, driver training, daytime running lights, and membership and employees.
The chart below shows the difference between insurance premiums with and without some available policy discounts. The premiums assume a female driver, no speeding tickets and one accident, South Carolina state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, homeowner, paperless filing, passive restraint, vehicle safety, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on insurance for drivers with accidents is 28% or $559.
Irresponsible driving raises your rates
The best way to maintain low insurance prices for drivers with at-fault accidents is to be a safe driver and not get tickets or have accidents. The example below shows how violations and accident claims raise car insurance costs for different age groups of insureds. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the chart above, the average cost of auto insurance in South Carolina per year with no accidents or violations is $1,219. Get written up for one speeding ticket and the average cost increases to $1,404, an increase of $184 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for drivers with accidents in South Carolina increases to an average of $1,911. That's an increase of $691, or $58 per month, just for not keeping your driving record clean!
How to find low-cost insurance for drivers with accidents
Below you'll find many money-saving ideas that can help South Carolina drivers get low-cost car insurance.
- Drive safely
- Increase the comprehensive and collision deductibles on your policy
- Higher credit scores may earn you cheaper rates
- Prevent price hikes by avoiding at-fault accidents
- Full coverage may not be needed on older vehicles
- Drive a car with a high safety rating
- Shop your coverage around for the best deal
The last item on the list is very significant, as we pointed out in this piece. Auto insurance prices can change considerably in a year, so drivers shouldn't hesitate to change insurance companies if a better rate can be found. Brand loyalty is great, but it's not recommended if that devotion results in you overpaying money that could be going to better use. It takes less than five minutes to shop around and find cheaper car insurance for drivers with accidents.