As an independent agent in Lexington, SC, I shop multiple carriers to find you the right car insurance coverage at the lowest available rate.
Auto insurance in South Carolina is a contract between you and an insurance carrier that protects you financially if your vehicle is involved in an accident, theft, or damage. South Carolina state law requires every driver to carry minimum liability coverage of 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage — plus matching uninsured motorist coverage. Most SC drivers carry higher limits than the state minimum.
A typical SC auto insurance policy includes:
Every driver's situation is different. We find the right combination of coverage for your vehicle, your budget, and South Carolina's requirements.
Required by South Carolina law. Covers bodily injury and property damage you cause to others in an accident. We make sure you have adequate limits — not just the minimum.
Pays to repair or replace your vehicle if it's damaged in a collision, regardless of fault. Important if you have a newer or financed vehicle.
Covers non-collision damage — theft, hail, flooding, deer strikes, and more. South Carolina weather makes this coverage worth having.
Covers medical expenses for you and your passengers after an accident, regardless of who was at fault.
Protects you when the other driver has no insurance or not enough. South Carolina has a significant uninsured driver population — this coverage matters.
Towing, flat tire, battery jump, and lockout services. Often available as an affordable add-on that can save you hundreds when you need it.
There are more ways to lower your premium than most people realize. Here are some we look for on your behalf.
Combining your auto and homeowners policies with one carrier often saves 10–25% on both premiums.
Increasing your deductible from $500 to $1,000 can meaningfully lower your monthly premium if you're a safe driver.
Clean driving records are rewarded. We find carriers that offer the biggest discounts for your specific history.
Insuring more than one vehicle on the same policy typically results in a per-vehicle discount.
Rates change every year. We review your policy at renewal and re-shop if a better rate is available.
Many carriers offer a discount if you pay your 6-month or annual premium in full rather than monthly.
Learn More
In-depth articles from Ben Mauldin covering everything South Carolina drivers need to know about auto insurance.
Learn the 10 factors every SC insurer uses to calculate your premium — and which ones you can actually control.
Read the guide →Bundling is the fastest way to lower your insurance costs — but only when done right. Here's how it works.
Read the guide →Rates vary significantly across South Carolina. See what Lexington and Midlands drivers typically pay and what drives the difference.
Read the guide →Takes just a few minutes. No pressure, no obligation — just honest comparison from a local Lexington agent.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com