Personal Auto & Car Insurance

No matter who you are or what you drive, car insurance is a legal requirement. The costs of a car insurance policy can vary greatly depending on several factors including where you live, how far you drive each day, and what you use your vehicle for. KSA Insurance can help you determine what car insurance coverage is right for you. We work with the nation’s most reputable automobile insurance underwriters and can even work with high-risk drivers to help get you the coverage you need to get back on the road.

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Personal Auto & Car Insurance

No matter who you are or what you drive, car insurance is a legal requirement. The costs of a car insurance policy can vary greatly depending on several factors including where you live, how far you drive each day, and what you use your vehicle for. KSA Insurance can help you determine what car insurance coverage is right for you. We work with the nation’s most reputable automobile insurance underwriters and can even work with high-risk drivers to help get you the coverage you need to get back on the road.

Request A Quote

Types of Car Insurance

Liability Car Insurance will pay for any property damages or bodily injury for which you are deemed responsible. This may also cover legal, medical and lost wage expenses, depending on the situation and limitations of your policy.

Comprehensive Car Insurance covers you for every possible peril, including theft, collision or damage caused by stones kicked up by other vehicles on the road. Other eligible coverages can include loss of use, which will cover the cost of alternative transportation such as a rental car while your vehicle is in repair.

Basic liability coverage is mandated by law, but there are several options that you can add on to your auto insurance policy, depending on your specific needs. Optional car insurance coverage includes:

Collision insurance
Glass replacement insurance
Car theft insurance
Loss or damage due to falling objects, vandalism and more
Uninsured driver insurance: in the event you are involved in an accident with an uninsured driver
Specific perils insurance: fire, lightning, storms, earthquake, hail, and more

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At KSA Insurance, we know that so much rides on your ability to get to where you’re going safely. Our dedicated agents will help you get the best coverage at the best rates. Request a car insurance quote today, or contact us for more information.

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Frequently Asked Questions About Personal Auto & Car Insurance in South Carolina

Is car insurance required in South Carolina?

Yes. South Carolina law requires all drivers to carry minimum liability auto insurance to legally operate a vehicle. Driving without insurance can result in fines, license suspension, and other penalties.

What is the minimum auto insurance required in South Carolina?

South Carolina requires:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage

While these are the legal minimums, higher limits are strongly recommended to protect you financially.

What does liability car insurance cover?

Liability insurance pays for bodily injury, property damage, legal fees, and related expenses if you are found at fault in an accident. It does not cover damage to your own vehicle.

What is comprehensive car insurance?

Comprehensive insurance covers damage to your vehicle caused by non-collision events such as theft, vandalism, falling objects, fire, storms, or hitting an animal. It may also include loss-of-use coverage for rental vehicles.

What is collision insurance?

Collision coverage pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of fault. This coverage is especially important for newer or financed vehicles.

Does auto insurance cover uninsured or underinsured drivers?

Yes. Uninsured motorist coverage protects you if you’re involved in an accident with a driver who has no insurance or insufficient coverage. This coverage is highly recommended in South Carolina.

What optional auto insurance coverages are available?

Optional coverages may include:

Collision insurance
Glass replacement coverage
Theft protection
Coverage for vandalism or falling objects
Uninsured/underinsured motorist coverage
Specific peril coverage (fire, lightning, hail, storms, and more)

Your agent can help customize coverage based on your driving habits and risk level.

What factors affect car insurance rates in South Carolina?

Premiums are influenced by:

Driving history and claims record
Vehicle type and age
Location and daily commute distance
Credit history (where permitted)
Coverage limits and deductibles
Vehicle use (personal vs. business)

Can KSA Insurance help high-risk drivers?

Yes. KSA Insurance works with a wide range of carriers and can help drivers with accidents, tickets, or lapses in coverage find affordable insurance options.

Does auto insurance cover rental cars?

Many comprehensive policies include loss-of-use or rental reimbursement coverage. Coverage details vary, so it’s important to review your policy or ask your agent.

Can I bundle auto insurance with other policies?

Yes. Bundling auto insurance with homeowners, renters, or umbrella insurance often results in discounts and simplified policy management.

How do I file an auto insurance claim?

If you’re in an accident:

Ensure everyone’s safety and call authorities if needed
Document the scene with photos
Notify your insurer as soon as possible

A KSA Insurance representative can guide you through the claims process.

How do I get a personal auto insurance quote in South Carolina?

You can request a quote online or call (843) 408-4232. Providing details about your vehicle, driving history, and coverage preferences helps ensure accurate pricing and proper protection.

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Need help? Call now to speak with one of our customer service representatives.

(843) 408-4232

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