Cheap Auto Insurance Quotes in Lexington, SC, for 2023

Car Insurance in Lexington, SC

Lexington is the largest town in Lexington County, South Carolina. It’s also one of the fastest-growing areas, making it a prime location for many drivers in the state who are looking to lower their car insurance costs. Those who want to secure cheaper car insurance should start their buying journey by using a quote-comparison site to compare car insurance quotes.

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Cheap Car Insurance South Carolina

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Cheapest Car Insurance in Lexington, SC

There is a large range of premium prices in Lexington, and with the right steps, drivers can secure the cheapest rates. The table below is a great example of how you can save money on auto insurance if you shop around to compare insurers.

Minimum Car Insurance Requirements in South Carolina

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Carolina^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.

Lexington Car Insurance Rates by Driving and Accident History

Insurers offering coverage in Lexington check your driving history before giving you a quote^[1]. The fewer infractions on your record, the cheaper your auto insurance can be. A history of speeding tickets, at-fault accidents, DUIs, and failures to stop can put you in the high-risk category, making your car insurance premiums more expensive.

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High-Risk Car Insurance South Carolina

DUI Car Insurance South Carolina

Lexington Car Insurance Rates by Credit Tier

While South Carolina law doesn’t allow insurers to refuse to issue car insurance coverage based on credit score, they can use it as a factor in determining your premiums^[1]. The table below shows a noticeable difference in how much you pay for car insurance depending on your credit rating. Maintaining a score of “average” or better can lower your auto insurance rates.

How to Get the Cheapest Car Insurance in Lexington

Cheaper car insurance is easy if you practice safe driving habits to keep a clean record and maintain an “average” or better credit score. Another simple way to lower your premiums is to shop around for coverage to compare rates. With Insurify, you can compare car insurance quotes quickly and easily.

The streamlined platform shows you rates from multiple insurers side by side. Then, you can customize your policy with the right coverage limits, deductible, and add-on options to get the cheapest auto insurance policy for you and your family. Drivers should also consider bundling their car insurance with renters insurance or homeowners insurance for hefty discounts.

Frequently Asked Questions

Insurify Insights

How Lexington Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lexington, South Carolina below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lexington drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Lexington

#37

City with the Most Speeding Tickets Rank in South Carolina

#25

City with the Most Moving Violations Rank in South Carolina

#79

City with the Most DUIs Rank in South Carolina

#61

City with the Most Suspended Licenses in South Carolina

• Accidents in Lexington

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lexington drivers rank 43 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #43
  • Percent of drivers in Lexington with an accident: 12.8%
• DUI/DWIs in Lexington

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lexington drivers rank 79 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #79
  • Percent of drivers in Lexington with a DUI: 0.9%
• Reckless Drivers in Lexington

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Lexington drivers rank 28 in the number of reckless driving offenses per driver.

  • Rank within state: #28
  • Percent of drivers in Lexington with a reckless driving offense: 1.4%
• Rude Drivers in Lexington

  The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Lexington drivers rank 33 in rude driving infractions.

  • Rank within state: #33
  • Percent of drivers in Lexington with a reckless driving violation: 1.5%
• Speeding in Lexington

  Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Lexington drivers rank 37 in the number of speeding infractions per driver.

  • Rank within state: #37
  • Percent of drivers in Lexington with a speeding ticket: 14.2%
• Safest Drivers in Lexington

  Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lexington drivers rank 103 in clean driving records across all cities in South Carolina.

  • Rank within state: #103
  • Percent of drivers in Lexington with clean record: 72.1%
• Hybrid/Electric Vehicle Ownership in Lexington

  As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lexington drivers rank 40 in hybrid and electric vehicle ownership across all cities in South Carolina.

  • Rank within state: #40
  • Percent of drivers in Lexington with a hybrid/electric vehicle: 0.77%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.