Car Insurance Quotes Charleston sc
Car Insurance Quotes Charleston sc
Protect yourself from the costs of replacing your vehicle unexpectedly or paying for repairs or medical costs after an accident with an effective auto insurance policy. The age of a driver impacts car insurance rates in Charleston. Teenagers face the highest average six-month premium at $2,502, while drivers in their 50s pay $656. Premiums for other age groups include $971 for drivers in their 20s, $721 for drivers in their 30s, $693 for drivers in their 40s, $676 for drivers in their 60s, and $818 for drivers in their 70s. The difference in rates between teenage drivers and drivers in their 20s is the largest, amounting to $3,061.
Charleston, SC, requires all drivers to maintain minimum car insurance coverage to ensure financial responsibility in case of an accident. These minimums include bodily injury liability coverage of $25,000 per person and $50,000 per accident, property damage liability coverage of $25,000 per accident, and uninsured motorist coverage equal to the minimum bodily injury and property damage liability limits. While these minimums provide basic coverage, they may not be enough to cover the full extent of damages in a major accident.
several optional car insurance coverages are available in Charleston. Collision coverage pays for damages to your car in an accident, regardless of fault. Comprehensive coverage protects your car from non-collision events like theft, vandalism, and extreme weather. Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver whose insurance is insufficient to cover your medical bills and car damages.
Driving without insurance in Charleston, SC, can result in significant penalties. Drivers must provide proof of at least the state-mandated minimum insurance when applying for or renewing a driver’s license. If a policy is cancelled, the DMV is notified, and the driver has 20 days to provide proof of new coverage. Failure to do so results in the suspension of license plates, driver’s licenses, and registration. Driving without proof of insurance can lead to a ticket, and failure to provide proof of insurance within 30 days results in the suspension of driving privileges until proof is provided and a $550 fee is paid, along with $5 per day for each day the vehicle was uninsured, up to $20
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Charleston Car insurance Rates by age
According to our research, 32% of Charleston drivers are between the ages of 30 and 39. Drivers in their 50s make the lowest car insurance premiums in Charleston, paying an average of $656 for a six-month policy. Individuals in their 60s do not pay much extra, $676.
Teenagers are the Charleston drivers with the highest insurance costs. As you grow, you pay less. The difference in rates paid by teenage drivers and drivers in their 20s in Charleston is $3,061, the largest such difference between any two age groups.
Age bracket Avg. 6 Mo. Premium
Teenagers………………….$2,502
20s……………………………$971
30s……………………………$721
40s……………………………$693
50s……………………………$656
60s……………………………$676
70s…………………………….$818
Minimum State Coverage Requirements
To make sure that all drivers are held financially liable for any injuries they may cause while driving, the state of South Carolina, which includes North Charleston, requires a minimum level of car insurance coverage. The minimum is as follows:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Coverage: Equal to the minimum bodily injury and property damage liability limits
You and other drivers are covered for unforeseen events. They might not, however, be enough to pay for major accident expenses. As a result, try and add more coverage
Additional Car Insurance Charleston sc
The following optional coverages are worth getting if you want more than liability insurance:
- Collision coverage
Collision insurance pays for your car’s damages in the event of an accident involving another car or object, regardless of who is at fault.
- Comprehensive coverage
In the event of non-collision events, such as damage from theft, vandalism, extreme weather, and more, comprehensive insurance protects the car.
- Uninsured/underinsured motorist coverage
You are protected by uninsured/underinsured car insurance coverage if you are in an accident with someone whose insurance is not enough to cover your medical bills and any damage to your car.
What Are the Penalties for Driving Without Insurance in Charleston?
When applying for or renewing a driver’s license, all Charleston sc drivers must provide documentation that they have at least the state-mandated minimum insurance. If you cancel your policy, your insurance company will let the DMV know. You will then have 20 days to show proof of new insurance coverage; failure to have this means DMV will suspend your license plates, driver’s license, and registration.
You must always keep proof of your car insurance in your car. If you are pulled over by police without it, you may receive a ticket. If you receive a ticket, your driver’s license, registration, and license plates will be suspended unless you can provide proof of insurance within 30 days. In addition to paying a $550 fee and $5 per day for each day your automobile is uninsured up to a maximum of $200, you will need to provide proof of insurance to get them back.
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