Affordable Liability Only Car Insurance in South Carolina
If you’re looking for cheap liability only car insurance in South Carolina, you’re not alone. Many drivers want the most affordable coverage possible while still meeting the state’s legal requirements. Liability insurance is often the lowest-cost option, making it ideal for drivers with older vehicles, tight budgets, or those who simply want to meet South Carolina’s minimum insurance requirements.
At Upstate’s Choice Insurance, we help drivers across Greenville, Simpsonville, and the entire state of South Carolina find affordable liability-only car insurance policies from trusted insurance companies.
Whether you need coverage today or you’re shopping for the best rate, our independent agency can help you compare options and save money.
What Is Liability Only Car Insurance?
Liability-only insurance covers damage or injuries you cause to other people in an accident. It does not cover damage to your own vehicle.
This type of policy includes two primary coverages:
Bodily Injury Liability
Pays for medical expenses if you injure another person in an accident.
Property Damage Liability
Pays for damage you cause to someone else’s vehicle or property.
Liability insurance is required by law in South Carolina.
Minimum Liability Insurance Requirements in South Carolina
South Carolina requires drivers to carry at least the following coverage limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
- $25,000/$50,000 uninsured motorist coverage
These limits represent the minimum required coverage to legally drive in the state.
Many drivers choose liability-only insurance because it meets the legal requirements at the lowest cost.
Who Should Consider Liability Only Insurance?
Liability-only coverage can be a great option for certain drivers.
Drivers With Older Vehicles
If your vehicle has a low market value, full coverage may not be worth the cost.
Budget-Conscious Drivers
Liability-only policies are usually significantly cheaper than full coverage.
Drivers Who Own Their Vehicle Outright
If your vehicle loan is paid off, you typically are not required to carry full coverage.
High-Risk Drivers
Drivers who need SR22 insurance or have previous violations often choose liability-only to keep costs down.
Average Cost of Liability Only Car Insurance in South Carolina
Liability-only insurance is typically much cheaper than full coverage.
Average monthly costs may range from:
- $40 – $90 per month depending on the driver
- Age
- Driving history
- Location
- Type of vehicle
Drivers with violations or SR22 requirements may pay more, but an independent agency like ours can help find the lowest available rates.
How to Get Cheap Liability Only Insurance
There are several ways to lower your insurance costs.
Compare Multiple Companies
Different insurers price drivers differently. Comparing options can lead to big savings.
Maintain a Clean Driving Record
Fewer violations usually mean lower premiums.
Increase Your Deductible
Although liability-only policies typically don’t have deductibles, additional coverage options might.
Work With an Independent Insurance Agency
Independent agents can shop multiple companies at once to find the best rate.
Why Choose Upstate’s Choice Insurance?
At Upstate’s Choice Insurance, we specialize in helping drivers find affordable coverage quickly.
Benefits of working with our agency include:
- Multiple insurance companies available
- Fast quotes
- Local experts in South Carolina insurance
- Same-day policies available
- Help for high-risk drivers
We help drivers across:
- Greenville
- Simpsonville
- Mauldin
- Greer
- Easley
- Anderson
- Spartanburg
- and throughout South Carolina.
Get a Quote for Cheap Liability Only Insurance Today
If you need cheap liability-only car insurance in South Carolina, our team can help you find the right coverage at the lowest possible price.
Contact Upstate’s Choice Insurance today for a free quote and see how much you could save.
Frequently Asked Questions
Is liability-only insurance the cheapest option?
Yes. Liability-only policies are usually the most affordable coverage available.
Can I add SR22 to a liability-only policy?
Yes. Many drivers who need SR22 insurance use liability-only policies to keep costs low.
Does liability-only insurance cover my car?
No. It only covers damage or injuries you cause to others.