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Looking for cheap auto insurance in Columbia, SC? If you don't compare low rate quotes from different companies, you may wind up paying too much.

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South Carolina Auto Insurance Required

In South Carolina, owners of vehicles are required to provide proof that any vehicle being operated on public roads is insured. When you register your vehicle in South Carolina and each time your vehicle registration is renewed, you are required to provide the name of your insurance company to the South Carolina Department of Motor Vehicles.

SCDMV will verify electronically that you have coverage. If the insurance policy for which you provided the information cannot be verified, your driver's license and your vehicle registration may be suspended or never issued.

If a law enforcement officer stops you, it is required that you produce proof that the vehicle you are operating is insured. If you fail to produce that proof, the officer may write you a citation. You may also be subject to a fine and/or imprisonment.

State Minimum Car Insurance Coverage

The required minimum amount of liability insurance coverage for a vehicle in South Carolina is $25,000 for bodily injury for one person; $50,000 bodily injury for two or more people and $25,000 property damage.

25,000 /50,000 /25,000


The law in South Carolina requires that insurance companies notify the Department of Motor Vehicles when a liability insurance policy is cancelled. The notice (called the Notice of Cancellation of Policy - Form FR-4) is forwarded to SCDMV and then forwarded to the owner. The owner is then required to update SCDMV with current insurance information or surrender the vehicle plate/registration.

If the owner fails to submit verification that the vehicle is currently insured (or otherwise advise the department of the current disposition,) that will result in the suspension of the owner's driver's license and the vehicle plate/registration. If those are suspended, the owner may be required to pay a reinstatement fee up to $400.00.


Speed limit changes often occur in work zones. Most of the time, motorists will be notified of those changes as they approach a work zone. Those speed limit reductions are intended for the safety of the workers and motorists. If there are no reduced speed limit signs, drivers should obey the normal speed limit.

Tips For Entering A Work Zone:

1. Slow Down. Obey all posted speed limits.

2. Follow posted sign instructions as well as those given by a flagger.

3. Pay attention to lane shifts and closures. They can change daily.

4. Use extra caution in a work zone at night.

5. Observe traffic around you. Prepare to react quickly to what traffic is doing.

6. Keep a safe distance between you and any traffic barriers, construction equipment and workers.

7. Don't Tailgate.

Motor Home Owners

If you will be operating a motor home that weighs more than 26,000 lbs. gross vehicle weight, you MUST obtain a Class E license through the State of South Carolina. Further, if you will be operating a motor home that weighs more than 26,000 and will also be towing a trailer or other vehicle, you must have a Class F license.

For more information about Class E and Class F licenses, please see the South Carolina Department of Motor Vehicles website.

* FYI *

There were 2,836 vehicle thefts in the Columbia SC metropolitan area in 2010.

This figure is provided by the NICB (National Insurance Crime Bureau.)

When you request quotes, you should be aware that there are several factors which contribute to the final quote given by each insurance company. One of the main factors is the number of automobile thefts in your area. A few of the other factors are:

- your driving history
- your vehicle type
- where your automobile is regularly parked
- high-risk drivers in your household

Save Money on Auto Insurance in Columbia SC:

* * Do not buy a car that thieves often steal.

* * Increase your deductibles

* * Don't pay monthly. Instead pay quarterly, semi-annually, or annually.

* * Remove all risky drivers from your policy.

* * Buy a car with safety features, such as an alarm system or steering wheel lock.

Thank you for visiting our site. We want you to get all the information you can about auto insurance in Columbia SC to make a quality decision. Enter your zip code in the form above and get started getting the quotes you need. Then purchase the policy that's right for you!
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Auto Insurance Agents & Agencies In Columbia, SC:

Klosterman Insurance Agency
10248 Two Notch Rd
Columbia, SC 29229

All Risk Auto Agency
7384 Two Notch Rd
Columbia, SC 29223

Bully Farr Insurance Agency
4240 W Beltline Blvd
Columbia, SC 29204

Abercrombie Insurance Services
2211 Lake Murray Blvd
Columbia, SC 29212

David A Perry & Assoc Inc
4240 W Beltline Blvd
Columbia, SC 29204

The Brunetto Agency
10008 Two Notch Rd
Columbia, SC 29223

Breedlove Insurance Agency
3012 Millwood Ave
Columbia, SC 29205

Lawrence C Farley Agency
108 Greystone Blvd
Columbia, SC 29210

Theodore & Associates
1700 Laurel St
Columbia, SC 29201

Gary Williamson Ins Agcy
132 Harbison Blvd Suite 100
Columbia, SC 29212

Consultative Ins Grp Inc
776 Saint Andrews Rd
Columbia, SC 29210

Chichester Ins Agency
7340 Parklane Rd
Columbia, SC 29223

The Heard Agency
5350 Farrow Rd
Columbia, SC 29203

Lawrence C Farley Agency
8313 Two Notch Rd
Columbia, SC 29223

Russell-Massey & Co
1320 Elmwood Ave
Columbia, SC 29201

Wise Insurance Agency
607 Meeting St
Columbia, SC 29269

Mike Boyd Insurance Agency
5205 Forest Dr Suite 2
Columbia, SC 29206

Garris Insurance Agency
2300 Devine St
Columbia, SC 29205

Isaac Insurance Agcy Inc
1920 Bull St
Columbia, SC 29201

Sauls Insurance Agency
4064 W Beltline Blvd
Columbia, SC 29204

J Vasarhelyi Insurance Agency
791 Greenlawn Dr Suite 1
Columbia, SC 29209

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