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South Carolina car insurance

South Carolina Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

South Carolina mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to provide proof of insurance will incur a ticket and possible imprisonment. Anyone caught driving without proper insurance coverage will have 15 days to prove otherwise or will have their license suspended indefinitely.

South Carolina Minimum Liability Coverage
Each state sets its own minimum liability amounts. In South Carolina they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $25,000

South Carolina Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

South Carolina does not require this coverage.

No Fault Insurance
In South Carolina, you are not required to carry no-fault insurance. South Carolina is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.