Temporary Auto Insurance in South Carolina

The Zebra
Jan. 18, 2019

If you're seeking some flexibility, you could be interested in a temporary auto insurance policy. Truth is, temporary car insurance contracts are hard to come by for several different reasons.

For one, many insurance underwriters do not offer policy terms for fewer than six months. Since car insurance is legally required in most places in the US, it can be risky to hop between policies. You also risk creating lapses in your insurance record if you swap policies often, resulting in higher rates in the long run.

Good news: car insurance policy terms usually last for just six months. This hasty turnaround allows insurers to “re-rate” — or recalculate — your policy considering your recent driving record and personal info.

The end of a policy period also gives you a timely opportunity to reset your situation by exploring other auto insurance companies. Finding quotes via The Zebra is easy and complimentary, and there’s no penalty for switching auto insurance companies when a policy expires — or in the middle of your policy term, as long as you never let your insurance lapse.


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Car insurance's flexible nature makes it easy to acquire on short notice. If you need a policy before you can drive a new car off the lot, shopping for coverage for a relatively long-term car rental, or seeking coverage on a car you don't own but drive regularly, think about purchasing a six-month policy and cutting the term short as needed.

Temporary car insurance in South Carolina

See below normal auto insurance premiums in South Carolina, organized by popular insurance companies and major cities. If your premiums exceed the rates listed below, think about shopping around.


SHORT-TERM CAR INSURANCE RATES IN SOUTH CAROLINA — BY COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
South Carolina State Average — All Companies$681$113
USAA$634$106
Nationwide$989$165
Allstate$724$121
State Farm$730$122
Progressive$784$131

The cheapest option for short-term car insurance in South Carolina is USAA, through which you can save $59 per month, compared to the next-cheapest choice, Nationwide. In South Carolina, the average monthly cost of auto insurance is $113, or $681 over a six-month period.

The place in which you live has just as large an effect on your car insurance rates as the insurance company you choose. Auto insurance companies take into account the frequency of claims in a given area when drafting prices by ZIP code. Take a look at insurance prices in the biggest cities in South Carolina and compare the amount you pay.


SHORT-TERM AUTO INSURANCE RATES IN SOUTH CAROLINA — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Columbia$601$100
Charleston$630$105
North Charleston$638$106
Mount Pleasant$601$122
Rock Hill$557$93

If your premiums don't match the above, take some time to weigh your options. The short-term duration of an auto insurance contract increases the importance of remaining informed and ready to shop.

Find out more about temporary car insurance or use our search function to compare rates today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.