Cheap Auto Insurance for High-Risk Drivers in South Carolina (Top 10 Companies for 2025)
The top providers of cheap auto insurance for high-risk drivers in South Carolina are State Farm, USAA, and Progressive, with rates starting at $64 a month. State Farm limits DMV point surcharges, USAA offers military discounts, and Progressive provides innovative savings for high-risk drivers in SC.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Apr 1, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 1, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
18,154 reviewsCompany Facts
SC High-Risk Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
6,589 reviewsCompany Facts
SC High-Risk Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
13,283 reviewsCompany Facts
SC High-Risk Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsState Farm, USAA, and Progressive are the best providers of cheap auto insurance for high-risk drivers in South Carolina, each offering key advantages for high-risk drivers.
State Farm stands out by reducing DMV point surcharges, helping drivers avoid steep rate increases. USAA provides exclusive discounts for military members, making it the best choice for eligible policyholders.
Our Top 10 Company Picks: Cheap Auto Insurance for SC High-Risk Drivers
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $64 | A++ | Extensive Coverage | State Farm |
 | #2 | $80 | A++ | Excellent Service | USAA |
 | #3 | $103 | A+ | Innovative Discounts | Progressive |
 | #4 | $126 | A+ | Broad Network | Allstate |
 | #5 | $133 | A | Comprehensive Plans | American Family |
 | #6 | $136 | A | Flexible Options | Farmers |
 | #7 | $139 | A++ | Online Tools | Geico |
 | #8 | $148 | A++ | Financial Strength | Travelers |
 | #9 | $161 | A+ | Diverse Discounts | Nationwide |
 | #10 | $225 | A | Customizable Policies | Liberty Mutual |
Compared to other providers, USAA won’t increase rates nearly as high for DMV points compared to insurance points on your license.
In this guide, we break down rates for high-risk auto insurance in South Carolina and highlight key discounts offered by the cheapest companies, providing you with a clear view of your options.
Enter your ZIP code into our free quote comparison tool to start comparing cheap auto insurance in South Carolina today.
- State Farm lowers DMV point surcharges to reduce high-risk driver costs
- High-risk drivers in SC save with discounts and safe driving programs
- Comparing insurers helps find cheap auto insurance for high-risk drivers
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Protection: State Farm present wide-ranging options of coverage. This is a big advantage for drivers who pose high risk in South Carolina.
- Broad Network: With a wide network of agents and repair shops, high-risk drivers in South Carolina can easily access services and support. Learn more in our State Farm auto insurance review.
- Strong Local Presence: State Farm, being well-set in South Carolina, is capable of giving high-risk drivers personal help and support specific to the area.
Cons
- Limited Discounts for High-Risk Drivers: State Farm might have fewer discount options available specifically for high-risk drivers in South Carolina.
- Poor Financial Strength: A.M. Best recently downgraded its financial ratings, so State Farm isn’t the most reliable high-risk auto insurance company in South Carolina.
#2 – USAA: Best for Excellent Service
Pros
- Exceptional Customer Service: USAA has a good reputation for its service, this is especially useful to high-risk drivers in South Carolina who may need help often.
- Tailored Coverage for Military Families: High-risk drivers in South Carolina who are military members or their families can benefit from specialized coverage options and support.
- Strong Financial Stability: The financial stability of USAA guarantees that drivers who are considered high-risk in South Carolina have support. Discover our USAA auto insurance review for a full list.
Cons
- Eligibility Restrictions: USAA’s services are only available to military families, which means high-risk drivers in South Carolina who are not eligible may need to look elsewhere.
- High-Risk Rate Increases: In South Carolina, drivers who carry a high-risk profile might encounter increased premiums even if their service quality is outstanding.
#3 – Progressive: Best for Innovative Discounts
Pros
- Creative Discount Programs: Progressive offers innovative discounts to help high-risk drivers in South Carolina lower their insurance costs. Learn more in our Progressive auto insurance review.
- Flexible Payment Options: Progressive provides flexible payment plans, which can be useful for high-risk drivers in South Carolina managing their budgets.
- Usage-Based Insurance: With programs like Snapshot, high-risk drivers in South Carolina can potentially lower their premiums based on their driving behavior.
Cons
- Higher Rates for High-Risk Drivers: Despite discounts, Progressive may still charge higher base rates for high-risk drivers in South Carolina.
- Discount Eligibility Limits: Depending on their specific risk factors, some innovative discounts might not be available to all high-risk drivers in South Carolina.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Allstate: Best for Broad Network
Pros
- Wide Network of Agents: Allstate’s broad network ensures high-risk drivers in South Carolina have easy access to agents and support services.
- Extensive Repair Shop Network: A large network of approved repair shops can benefit high-risk drivers in South Carolina needing quick and reliable repairs.
- Variety of Coverage Options: High-risk drivers in South Carolina can choose from a range of coverage options to best suit their needs. Read our Allstate auto insurance review to learn what else is offered.
Cons
- Higher Premiums for High-Risk Profiles: Allstate possibly will demand higher payments from drivers who are considered high-risk in South Carolina.
- Discount Availability: Some discounts may not be as accessible for high-risk drivers in South Carolina, potentially limiting savings.
#5 – American Family: Best for Comprehensive Plans
Pros
- Broad Coverage Options: American Family gives complete plans that offer full protection for drivers with high risk in South Carolina.
- Flexible Coverage Levels: High-risk drivers in South Carolina can tailor their coverage to fit their specific needs and risk level, as you can see in our American Family auto insurance review.
- Discounts for Safe Driving: The American Family gives discounts to people who drive safely. This can be good for drivers in South Carolina who are considered high-risk but start driving better.
Cons
- Premiums for High-Risk Drivers: Because of their risk characteristics, high-risk drivers in South Carolina may face higher premiums with American Family.
- Discount Limitations: Some reductions might be less for drivers who pose high risks in South Carolina.
#6 – Farmers: Best for Flexible Options
Pros
- Discounts for Bundling: High-risk drivers in South Carolina can lower premiums by bundling auto insurance with home or renters insurance through Farmers.
- Multiple Policy Discounts: Farmers offers more discounts to high-risk drivers in South Carolina than other companies. Get a full list of Farmers auto insurance discounts.
- Occupational Rewards: High-risk drivers who are first responders, federal employees, or members of approved organizations can earn additional discounts on SC auto insurance.
Cons
- Low Claims Satisfaction: Farmers has the worst insurance customer satisfaction in the region, and most SC high-risk drivers find better service elsewhere.
- Limited Discounts for High-Risk Drivers: While Farmers offers discounts, high-risk drivers in South Carolina might find fewer opportunities for savings compared to other providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – Geico: Best for Online Tools
Pros
- Discount Opportunities: Geico offers various discounts that can help high-risk drivers in South Carolina reduce their insurance costs. Read more in our review of Geico auto insurance.
- User-Friendly Tools: Geico’s online tools make it easy for high-risk drivers in South Carolina to manage their policies and access quotes.
- Highly-Rated Mobile App: High-risk drivers in South Carolina can easily manage policy changes and claims from their phones or tablets.
Cons
- Coverage Limitations: For some drivers who have more risks in South Carolina, they might see that the insurance plans from Geico are not as complete as what other companies offer.
- Customer Service Variability: The quality of customer service can vary, which may be a concern for high-risk drivers in South Carolina who need more frequent support.
#8 – Travelers: Best for Financial Strength
Pros
- Financial Strength: Travelers has a superior A++ rating from A.M. Best and can reliably cover high-risk auto insurance claims in South Carolina.
- Solid Coverage Options: South Carolina high-risk drivers can benefit from solid coverage options and support during the claims process.
- Flexible Policy Terms: Travelers offers flexible policy terms that can cater to the needs of high-risk drivers in South Carolina. For a complete list, read our Travelers auto insurance review.
Cons
- Poor Customer Satisfaction: Car insurance from Travelers for high-risk drivers in South Carolina has been rated as not so good when it comes to claims and customer service.
- Discount Availability: Possibilities for discounts could be less available to drivers with high risk in South Carolina. This can have an impact on their total savings.
#9 – Nationwide: Best for Diverse Discounts
Pros
- Variety of Discounts: Nationwide offers diverse discount options, which can benefit all types of high-risk drivers in South Carolina looking to lower their insurance costs.
- Bundling Opportunities: Drivers who insure multiple drivers and vehicles or bundle home and auto coverage can earn discounts on SC high-risk auto insurance.
- Tailored Coverage Plans: Nationwide provides coverage plans that can be tailored to the specific needs of high-risk drivers in SC. Learn how in our Nationwide auto insurance review.
Cons
- Less Competitive Rates: In some cases, Nationwide’s rates for high-risk drivers in South Carolina may not be as competitive as those offered by other top insurers.
- Discount Limitations: Not all discounts may be accessible to high-risk drivers in South Carolina, potentially limiting overall savings.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Coverage: Liberty Mutual gives the option of personalized policies for drivers with high risk in South Carolina.
- Flexible Payment Plans: High-risk drivers in South Carolina can benefit from flexible payment options to manage their insurance budget. Find out more in our Liberty Mutual auto insurance review.
- Discounts for Safety Features: Liberty Mutual provides discounts for vehicles equipped with safety features, which can help lower SC high-risk insurance costs.
Cons
- Higher Costs for High-Risk Drivers: Liberty Mutual has the most expensive South Carolina high-risk auto insurance on this list.
- Complex Policy Options: Many high-risk drivers in South Carolina might feel confused by the many changes they can make, which can make it hard for them to choose a good policy.
Comparing South Carolina Auto Insurance Rates for High-Risk Drivers
In South Carolina, auto insurance for high-risk drivers varies widely. We found that State Farm is the cheapest, with monthly rates starting at $64 for minimum coverage and $156 for full coverage.
South Carolina High-Risk Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
$126 $306
$133 $322
$136 $329
$139 $337
$225 $546
$161 $389
$103 $250
$64 $156
$148 $358
$80 $195
USAA and Progressive also offer low rates. Liberty Mutual is the most expensive, with minimum coverage at $80 a month and full coverage at $103 a month. Selecting the right auto insurance is key for high-risk drivers in SC to balance costs and coverage.
High-risk drivers in SC lower rates by comparing insurers. In particular, higher deductibles reduce monthly costs.Dani Best Licensed Insurance Producer
While lower rates are appealing, ensure you also consider coverage value and service quality. Choose a provider that offers affordability and comprehensive protection and compare rates and discounts from top insurers to find the best fit.
High-Risk Drivers in South Carolina Can Impact Their Auto Insurance Rates
Your driving record is one of the top factors that affect auto insurance rates. If you’re a high-risk driver with accidents, speeding tickets, or DUIs, expect your South Carolina insurance costs to go up.
What about the other factors impacting your rates? Keep an eye on these key elements to save money on high-risk car insurance where you can:
- Credit Score: In South Carolina, insurers often use credit scores to gauge risk. A lower credit score can lead to higher insurance rates, as it’s believed to correlate with a higher likelihood of filing claims.
- Vehicle Type and Usage: Rates are influenced by the make, model, and age of your vehicle, as well as how much and where you drive. High-risk drivers with expensive or high-performance vehicles and high annual mileage may face higher premiums.
- Location: Your ZIP code can affect your SC insurance costs due to factors like local crime rates, traffic density, and accident frequency. High-risk drivers living in areas with higher accident rates may see increased premiums.
If you select to have more coverage beyond the South Carolina minimum auto insurance requirements, your monthly payment will be higher. Choosing lesser limits of coverage or greater deductibles can influence your premium amount.
Those drivers considered high risk could be recommended to change these elements to obtain reduced rates. However, it might also mean insufficient protection if a claim occurs. Understanding the key factors that influence auto insurance rates for high-risk drivers in South Carolina is essential for managing your premiums effectively.
Read More: How Credit Score Affects Auto Insurance Rates
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Best Insurance Discounts for High-Risk Drivers in South Carolina
High-risk drivers in South Carolina can access various discounts from top auto insurers. Allstate offers discounts for safe driving and early signing.
Auto Insurance Discounts From the Top SC Providers for High-Risk Drivers
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Multi-Policy, Anti-Theft Device, Early Signing |
| Safe Driver, Multi-Vehicle, Good Student, Defensive Driver |
| Signal App, Multi-Policy, Good Student, Homeowner |
| Defensive Driving, Multi-Policy, Anti-Theft Device, Good Student |
| Multi-Policy, Good Student, Newly Married, Vehicle Safety Features |
| Defensive Driving, Multi-Policy, Safe Driver, Accident-Free |
| Multi-Policy, Homeowner, Continuous Insurance, Snapshot Program |
| Defensive Driving, Multi-Policy, Good Student, Safe Driver |
| Safe Driver, Multi-Policy, Homeowner, Early Quote |
| Defensive Driving, Multi-Policy, Safe Driver, Vehicle Storage (if applicable) |
American Family and State Farm provide savings for safe driving, good students, and multiple policies. Travelers also offers multi-policy discounts and savings for getting early quotes, while USAA offers discounts for defensive driving and vehicle storage.
Even high-risk drivers can earn safe driving discounts by improving their habits over time. Farmers, Geico, Liberty Mutual, and Progressive offer multiple policy discounts, with additional savings for defensive driving, homeowners, or using specific apps. Nationwide provides discounts for safe and accident-free driving. Learn how to get a good driver auto insurance discount.
More Ways to Lower Auto Insurance Rates for High-Risk Drivers in South Carolina
Finding affordable car insurance in South Carolina as a high-risk driver can be challenging, but several strategies can help reduce your rates. Improving your driving record by avoiding accidents and taking defensive driving courses can qualify you for lower premiums. Compare multiple auto insurance quotes using online tools to find the best rate.
Adjusting coverage, increasing deductibles, and seeking discounts for safe driving, bundling, and low mileage can reduce costs. Also, choose a safer vehicle and maintain continuous coverage to improve your risk factors and lower your rates.
Read More: Best Auto Insurance Companies for High-Risk Drivers
Find Affordable Auto Insurance in South Carolina for High-Risk Drivers
Get cheap auto insurance for high-risk drivers in South Carolina starting at $64 a month with providers like State Farm, USAA, and Progressive. Other notable companies include Allstate, American Family, and Farmers.
Maintaining continuous coverage is key to securing lower rates in SC. For instance, insurers often charge more if you have a lapse in coverage.Justin Wright Licensed Insurance Agent
To lower high-risk auto insurance costs, improve your driving record, compare quotes, adjust coverage, and seek discounts for bundling policies. Check out our list of auto insurance discounts to ask for to get the most savings.
Factors like driving history, credit score, and vehicle type significantly impact rates. Then, enter your ZIP code into our free comparison tool to see which companies have the cheapest car insurance in South Carolina.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is the best insurance for high-risk drivers?
State Farm, USAA, and Progressive offer the best high-risk auto insurance in South Carolina. These companies provide extensive coverage, excellent service, and innovative discounts tailored to high-risk drivers.
Who has the cheapest full coverage auto insurance in South Carolina?
What is the cheapest full coverage insurance in South Carolina? State Farm offers the cheapest full coverage insurance in South Carolina, with rates starting at $156 a month for high-risk drivers. Geico and State Farm also provide affordable full coverage with discounts for safe driving and policy bundling.
What is the average cost of auto insurance in South Carolina?
The average cost of auto insurance in South Carolina varies widely depending on the driver’s profile. For high-risk drivers, it can be significantly higher. You can find the cheapest auto insurance in South Carolina by entering your ZIP code into our free comparison tool.
What is the minimum auto insurance coverage in South Carolina?
In South Carolina, the minimum auto insurance coverage requirements mandate that drivers must have at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
How much is auto insurance in South Carolina per month?
Car insurance rates in South Carolina can vary, but for high-risk drivers, monthly premiums for minimum coverage can start as low as $64. Discover the average auto insurance costs per month and compare quotes to save.
What is the term for high-risk insurance?
High-risk insurance is often referred to as “non-standard auto insurance” or “high-risk auto insurance.” It is designed for drivers who have been classified as high-risk due to factors like driving record, age, or credit history.
What are four examples of risky driving?
Risky driving includes speeding, distracted driving (texting or eating), driving under the influence, and reckless lane changes. These behaviors increase the likelihood of accidents and higher insurance rates.
Does The General cover high-risk drivers?
Yes, The General specializes in high-risk drivers, offering coverage for those with poor driving records, multiple violations, or past insurance lapses. Monthly rates vary based on driving history and state requirements.
What factors affect auto insurance rates for high-risk drivers in South Carolina?
Factors that influence auto insurance rates for high-risk drivers include driving record, credit score, vehicle type, location, and the selected coverage options.
Can high-risk drivers in South Carolina get discounts on auto insurance?
Yes, high-risk drivers can access various discounts. Providers like State Farm, Progressive, and USAA offer discounts for safe driving, bundling policies, and using specific apps or services that promote safe driving habits.
Why is State Farm considered the top overall pick for high-risk drivers in South Carolina?
State Farm is considered the top overall pick because it combines affordability with comprehensive coverage options, excellent service, and a wide range of discounts. This makes it ideal for high-risk drivers seeking quality insurance at competitive rates.
What options are available for low-income car insurance in South Carolina?
Low-income car insurance is available in South Carolina with providers like USAA and Progressive, offering minimum coverage from $80 a month. Discounts for safe driving, bundling, and defensive driving courses can help lower costs further.
What strategies can high-risk drivers use to lower their auto insurance rates in South Carolina?
High-risk drivers can lower their rates by improving their driving record, taking defensive driving courses, comparing quotes, opting for higher deductibles, and seeking out discounts for safe driving, low mileage, and bundling policies. Learn how to get a low-mileage auto insurance discount.
How can I qualify for an SC auto insurance reduction?
To get an SC auto insurance reduction, maintain a clean driving record, complete a defensive driving course, or bundle multiple policies. Insurers like Progressive and Travelers offer savings for safe drivers and policyholders who pay in full.
Where can I find affordable auto insurance in Spartanburg, SC?
For affordable auto insurance in Spartanburg, SC, consider State Farm, USAA, or Progressive, with rates starting at $64 a month. Compare quotes and ask about discounts for good drivers, military service, or multi-car policies.
What qualifies for an auto insurance discount in South Carolina?
South Carolina auto insurance discounts are available for safe drivers, good students, and policy bundlers. Companies like Allstate and Nationwide offer savings for defensive driving, paperless billing, and low mileage.
Who offers cheap car insurance in Orangeburg, SC?
For cheap car insurance in Orangeburg, SC, State Farm, USAA, and Progressive offer minimum coverage starting at $64 a month. Discounts for multi-car policies, defensive driving, and upfront payment can further lower rates. Find the best Orangeburg, South Carolina auto insurance today.
Where can you find cheap car insurance in South Carolina with no deposit required?
Some insurers offer cheap auto insurance in SC with no deposit, allowing you to start coverage with just the first month’s payment. Geico and Progressive provide flexible payment options to reduce upfront costs.
How can you get cheap car insurance in South Carolina online?
To secure cheap car insurance in South Carolina online, compare quotes from State Farm, USAA, and Travelers. Many insurers offer discounts for signing up online, using paperless billing, or bundling multiple policies.
What coverage options does Erie Insurance offer for high-risk drivers in South Carolina?
Erie Insurance provides liability, collision, and comprehensive coverage, with accident forgiveness and rate lock benefits. High-risk drivers in South Carolina may qualify for lower monthly rates through safe driving programs and bundling discounts.
Why should high-risk drivers in South Carolina consider American National auto insurance?
American National auto insurance offers cashback rewards for safe driving and accident waivers after claim-free periods. High-risk drivers in South Carolina can reduce costs with multi-policy discounts and flexible payment options. Read our American National auto insurance review to learn more.
What makes Auto-Owners Insurance a good choice for high-risk drivers in South Carolina?
Auto-Owners Insurance provides competitive rates and strong customer support, making it a solid option for high-risk drivers in South Carolina.
What is the best car insurance for risky drivers?
The best car insurance for risky drivers includes State Farm, USAA, and Progressive, offering competitive rates and discounts. State Farm minimizes rate increases for drivers with DMV points, while Progressive provides usage-based savings to help lower monthly costs.
Does Allstate accept high-risk drivers?
Yes, Allstate accepts high-risk drivers and offers policies with accident forgiveness and vanishing deductibles. High-risk drivers in South Carolina can also qualify for discounts by taking defensive driving courses or bundling policies.
What is the cheapest insurance for people with bad records?
USAA, Geico, and State Farm offer some of the cheapest rates for drivers with bad records. USAA starts at $64 a month for minimum coverage, while Geico provides discounts for improving driving habits over time. Get cheap auto insurance for a bad driving record and start saving on coverage now.
Does Geico have safe driving programs?
Yes, Geico offers the DriveEasy program, which tracks driving behavior and provides discounts for safe driving habits. Through this program, high-risk drivers in South Carolina can lower their rates by improving their driving scores.
Why is car insurance so expensive in South Carolina?
Car insurance in South Carolina is expensive due to high accident rates, uninsured drivers, and severe weather risks. High-risk drivers often see even higher premiums, but discounts and comparison shopping can help reduce monthly costs.
What is the best company for high-risk drivers?
State Farm, Progressive, and USAA are among the best companies for high-risk drivers. State Farm reduces penalties for DMV points, while Progressive offers usage-based discounts through Snapshot.
How can you get out of high-risk insurance?
To get out of high-risk insurance, maintain a clean driving record, complete a defensive driving course, and avoid claims or violations. Many insurers reassess risk status after three to five years of improved driving behavior. Find out how auto insurance companies check driving records and ways to lower your premiums.
What type of risk is uninsurable?
Risks considered uninsurable include intentional damages, racing vehicles, and drivers with multiple DUIs within a short period. Some insurers may also refuse coverage.
How many accidents make you uninsurable?
While insurers vary, three or more at-fault accidents within a short period can make you uninsurable with standard providers. High-risk drivers may need non-standard insurance or state-assigned risk pools.
What type of driver is most at risk?
High-risk drivers include those with multiple accidents, DUIs, reckless driving violations, or lapses in coverage. Younger drivers and those with poor credit scores may also face higher insurance rates.
What is the biggest risk in insurance?
The biggest risk in insurance is insuring high-risk drivers who have a history of frequent claims or severe violations. Insurance companies assess risks based on accident history, driving behavior, and overall financial responsibility. Learn what happens after at-fault accidents and how they affect your policy.
What is the minimum insurance in South Carolina?
South Carolina requires a minimum of $25,000 in bodily injury per person, $50,000 per accident, and $25,000 for property damage. Uninsured motorist coverage with the same limits is also required.
What is a high-risk driver?
A high-risk driver is someone with multiple accidents, DUIs, reckless driving violations, or a history of lapses in coverage. These drivers typically pay higher insurance premiums due to the increased likelihood of filing claims.
How do you identify a risk driver?
Frequent traffic violations, at-fault accidents, DUI convictions, or gaps in auto insurance coverage can identify a risk driver. Insurers classify these drivers based on their claims history and driving record. Don’t let expensive insurance rates hold you back. Enter your ZIP code and shop for the cheapest insurance in SC from the top companies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.