Auto Insurance in South Carolina – Protecting You on the Road

Coverage built for South Carolina homes
Your home deserves coverage that matches life in the Upstate. The Sullivan Agency helps families compare homeowners insurance in Greenville SC, Anderson, Spartanburg, Taylors, and nearby communities—so your dwelling, belongings, and liability are addressed without guesswork. From downtown Greenville to Travelers Rest and Simpsonville, we explain options clearly and tailor protection to your address.

Coverage That Makes Sense for SC Drivers

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Understanding what your car insurance actually covers shouldn’t feel like decoding a legal document. We break it down and help you build a policy that works for your lifestyle:


  • Liability Coverage (Bodily Injury & Property Damage)
    Required by SC law to pay for injuries or damages you cause in an at-fault accident. We’ll help you choose limits that go beyond the minimums to protect your assets.

  • Collision Coverage
    Covers your vehicle repairs after a collision, whether it's with another car, a tree, or a pothole off Pelham Road.

  • Comprehensive Coverage
    Protects against non-collision incidents like theft, vandalism, hailstorms, or that unexpected deer near Paris Mountain.

  • Uninsured/Underinsured Motorist Coverage
    South Carolina requires you to carry this—so if another driver hits you and doesn’t have enough insurance (or any at all), you’re still protected.

  • Medical Payments (MedPay)
    Helps cover medical expenses after an accident, no matter who was at fault.

Additional Auto Policy Options Available

Want to customize your plan? We offer add-ons that provide extra peace of mind:

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Roadside Assistance

Towing, flat tire, battery jump, or lockout help

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Rental Car Reimbursement

Coverage for a rental while your car is being repaired

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Custom Equipment Coverage

For aftermarket wheels, sound systems, or other upgrades

Ways to Save on Auto Insurance in Greenville

Getting the right coverage doesn’t mean overpaying. We help you find every available discount, including:

  • Multi-policy bundling – Save more by combining [Auto Insurance] with [Homeowners Insurance] or [Renters Insurance]
  • Safe driver discounts – For clean records and accident-free history
  • Good student discounts – For high school and college drivers with strong grades
  • Low-mileage or telematics-based options – Great for work-from-home professionals or retirees

We’ll make sure you’re only paying for what you need—and nothing you don’t.

High-Risk Drivers & SR-22 Filings? We Can Help

If you need an SR-22 filing to reinstate your license, or you're classified as high-risk, we’ll walk you through what’s required and match you with carriers who accept SR-22 filings in South Carolina.

Even if you don’t own a vehicle, we offer [Non-Owner Insurance] policies that provide liability protection when you borrow or rent a car.


Learn More About SR-22 Insurance →
Explore Non-Owner Coverage →

Why Local Drivers Trust The Sullivan Agency

We’re not a faceless online platform. We’re an Upstate SC agency that knows the area, understands state laws, and genuinely wants to help. Our team—led by Gary Sullivan with decades of claims experience—goes beyond quotes. If you’re ever in an accident, we guide you through the claims process step-by-step.



From severe weather risks to rising repair costs, we know what matters to drivers here—and we’re ready to help you stay protected on every road ahead.

Common Questions About Auto Insurance in SC

  • How much auto insurance do I need in South Carolina?

    SC requires drivers to carry at least 25/50/25 in liability limits plus uninsured motorist coverage. But we often recommend higher limits for better protection—especially if you own a home, have savings, or drive frequently.

  • What’s the average cost of car insurance in Greenville?

    Rates vary based on your driving history, vehicle, credit, and coverage limits. Most local drivers pay between $75–$150/month for standard policies. We compare options to help you get the best rate.

  • Do I need uninsured motorist coverage?

    Yes—South Carolina requires it. It protects you if you're hit by someone with no or not enough insurance.

  • How does SR-22 insurance work in SC?

    It’s a certificate that shows you have the required liability coverage. We handle filings and help you find carriers that offer it.


    More on SR-22 Requirements →


Ready to Drive with Confidence?

Whether you're switching providers, buying your first car, or needing a better deal, we’re here to help you get the auto insurance coverage that makes sense for you.

Get a Free Auto Insurance Quote