Car Insurance in Bluffton, SC

Bluffton, South Carolina, is located along US Route 279 between Hilton Head Island and Interstate 95. Bluffton and the surrounding area have always been popular with tourists, and the city of Bluffton is now one of the fastest-growing municipalities in the state. The population grew from just over 12,000 people in 2010 to nearly 28,000, according to the 2020 census.

The roads in and around Bluffton can get busy with tourists and locals moving around. Car accidents can happen to anyone who lives and drives in Bluffton.

With a reliable car insurance policy, you can have peace of mind. A local independent insurance agent can help you get quotes for the best car insurance in Bluffton, SC.

What Does Car Insurance Cover in Bluffton, SC?

A car insurance policy in Bluffton will have several different types of coverage. All policies must have minimum liability coverage and uninsured motorist coverage as the law requires.

• Bodily injury liability coverage: Protection if you injure or kill someone else while driving your car. It covers an injured party’s claims for damages, including medical expenses, lost wages, and pain and suffering. It also provides for your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.
• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
• Uninsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which types of coverage offer the best protection for your needs.

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How Much Does Car Insurance Cost in Bluffton, SC?

South Carolina is the 31st most expensive state for car insurance, with rates less than the national average in many cities.

• National average annual car insurance cost: $1,311
• South Carolina average annual car insurance cost: $1,210

Car insurance premiums vary depending on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day.

Insurance companies also consider a variety of other risk factors, such as:

• Your age
• Your gender
• Your driving history
• The number of cars and drivers in your household

If your household consists of a single driver, your rates will certainly be lower than for a family of four. But expect that for every driver you add, your car insurance rates will go up.

If you shop around, you increase your chance of finding the best value for your budget. With the help of a local independent insurance agent, you can review quotes from multiple insurance companies to be sure you are betting the best deal.

Is Car Insurance Required in Bluffton, SC?

If you own a vehicle in South Carolina, you must purchase auto insurance. You must have the following coverage at a minimum to comply with the law:

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required
• Uninsured motorist coverage: Required
• Underinsured motorist coverage: Not required (but must be offered)
• Minimum liability limits: 25/50/25; coverage up to $25,000 per person injured in an accident, subject to a limit of $50,000 per accident; and $25,000 coverage for property damage

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.

Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional risk protections that extend to you and your vehicle. An independent insurance agent can help you determine how much liability coverage is necessary to protect you and your family adequately.

Who Are the Best Car Insurance Companies in Bluffton, SC?

It can be simple to find the best car insurance companies in South Carolina. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Bluffton, SC?

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.