Anderson Car Insurance

Everything You Need to Know About Car Insurance in Anderson, SC

Find the right car insurance policy for you.

Anderson is a small city in South Carolina’s upstate area. Many residents in the “Electric City” own vehicles. Some may use them for trips to larger cities like Charlotte or Atlanta – both of which are an easy drive away – to enjoy some of the amenities that only a larger city can offer; others may stay local and only use their vehicles to drive to church and the grocery store. Regardless of how much or how little you drive, if you own a vehicle in Anderson, SC, you are required by law to carry Anderson auto insurance that meets or exceeds the state-required coverage minimums.

By comparing quotes from at least three different insurance companies, you can be certain that you are not overpaying for your policy. This process is easy when you opt to work with an independent insurance agent in our network. These agents can quickly provide you with a selection of affordable Anderson car insurance quotes from competing insurance companies. They can also explain your coverage options and answer your insurance-related questions. Find an agent near you to learn more.

  • National average cost per year: $1,311
  • South Carolina average cost per year: $1,210
  • 31st most expensive auto premium in U.S.

Car insurance rates in South Carolina are a bit lower than the national average, and that is good news for Anderson residents. Of course, rates can and do vary significantly from one person to the next because they are based on several factors. When calculating your Anderson car insurance quotes, insurance companies will consider these factors:

  • The make, model and year of your vehicle(s)
  • The age, sex and marital status of all licensed drivers in your household
  • The history of claims on your record
  • The location where you live and park your car
  • The amount of coverage you are requesting
  • The deductible you are requesting
  • In some cases, even your credit score

Insurance companies calculate rates in different ways. That is why it is so important to compare a variety of quotes before you choose your policy.

South Carolina Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25: Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

South Carolina requires its citizens who own vehicles to carry auto insurance coverage that meets or exceeds the state-mandated minimums. This insurance shields you from excessive financial losses if you are responsible for a collision while driving your car. Unfortunately, with the rapidly increasing cost of medical care, these state-mandated minimums may not always be high enough to fully cover you, particularly if you cause an accident that involves significant injuries – or worse, a fatality. For this reason, you may want to further protect your assets by buying Anderson car insurance with higher liability limits. An agent can help you determine how much coverage is right for you.

Number of Uninsured Motorists in South Carolina

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured South Carolina drivers: 7.7%

Driving without insurance in South Carolina is illegal. If you are caught driving an uninsured vehicle that you do not own, you may lose your driver’s license for 30 days and be required to pay a $100 reinstatement fee. If you are caught driving an uninsured vehicle that you do own, you may lose your driver’s license and registration privileges until you have paid a $550 reinstatement fee. Despite this, nearly 8 percent of the drivers you encounter on South Carolina’s roadways do not have insurance coverage. 

If one of these drivers, or a hit-and-run driver, is responsible for an accident that causes you property damage or injuries, you may find it difficult or impossible to collect compensation from them. That is why you may want to seriously consider including uninsured motorist coverage as part of your Anderson auto insurance policy. When you have this coverage, your insurance company covers your losses and then tries to collect reimbursement from the offending driver on its own behalf.

Number of Auto Thefts in South Carolina

  • National number of thefts per 1,000 vehicles: 2.94
  • South Carolina number of thefts per 1,000 vehicles: 3.49

The rate of car theft in the state of South Carolina exceeds the national average and is even higher in Anderson. In recent years, there were 140 auto thefts reported in this city. That equates to 5.22 car thefts per every 1,000 vehicles. You can safeguard your vehicle by taking preventive measures such as parking in well-lit, attended lots when possible, always locking your car when leaving it unattended, and never leaving your keys in the car. 

If your car does happen to be stolen or damaged by vandals, you can only collect compensation if your Anderson auto insurance policy includes comprehensive, also referred to as “other-than-collision,” insurance as one of its policy options. If you financed the purchase of your vehicle, your lender likely requires you to carry this coverage until the loan is paid in full.

Find an Anderson Car Insurance Policy

If you are looking for an affordable Anderson auto insurance policy that will deliver the right amount of coverage for you and your family, you can benefit from working with an independent agent in our network. These agents have relationships with a number of different insurance companies, so they can make comparison shopping easy by collecting policy information and costs for you. There are several local agents with offices throughout the state of South Carolina, and many are located in and around the city of Anderson. 

Find an agent near you to learn more about your coverage options, and you can soon start comparing Anderson car insurance quotes for policies that have been customized to meet your specific coverage needs. 

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