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Auto Insurance in South Carolina & Georgia

Affordable auto insurance from 30+ top-rated carriers. Total Quality Insurance compares car insurance quotes across South Carolina and Georgia to find you the best liability, collision, and comprehensive coverage. CSRA drivers save an average of 23% when switching to our agency.

Auto Insurance Coverage Types in SC & GA

Understanding your coverage options helps you make smarter choices. Here's what each type protects:

Liability Coverage

Pays for bodily injury and property damage you cause to others in an accident. Required by law in both SC and GA. Protects your assets from lawsuits.

MinimumSC: 25/50/25 | GA: 25/50/25
Recommended100/300/100

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Required by most lenders for financed vehicles.

MinimumNot required by law
Recommended$500 deductible

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, falling objects, animal strikes. In the CSRA, deer collisions and hailstorms are common claims.

MinimumNot required by law
Recommended$250-$500 deductible

Uninsured Motorist

Protects you when hit by a driver with no insurance or inadequate coverage. Critical in GA where 12% of drivers are uninsured.

MinimumSC: Required | GA: Optional
RecommendedMatch your liability limits

Average Car Insurance Costs in Augusta GA, North Augusta SC & the CSRA

Your zip code significantly impacts your auto insurance rate. Here's what drivers typically pay:

8 Ways to Save on Car Insurance in SC & GA

Bundle auto + home insurance — save 15-25%
Maintain a clean driving record (no tickets or accidents for 3+ years)
Raise your deductible to $500 or $1,000
Ask about good student discounts (GPA 3.0+)
Take a defensive driving course for additional savings
Choose a safe vehicle with anti-theft and safety features
Pay your premium annually instead of monthly (avoid installment fees)
Compare quotes from 30+ carriers with an independent agent

Car Insurance FAQ for SC & GA Drivers

Expert answers to your car insurance questions.

Get Your Best Auto Insurance Rate

Compare 30+ carriers in minutes. Average savings: 23%.