South Carolina Car Insurance Requirements

South Carolina car insurance regulations require minimum insurance coverage of 25/50/25. If you do not have these minimum requirements, you will face several penalties and fines. South Carolina auto insurance laws are governed by the tort system and have their own requirements. Learn more in our free guide below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 10, 2020

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South Carolina law requires minimum insurance coverage of 25/50/25. If you do not maintain the minimum coverage requirements, you can face several penalties and fees. The insurance rules in South Carolina are governed by the tort system and have their own requirements.

Similar to North Carolina insurance laws, South Carolina follow a tort system. This system requires that someone must be found
at fault for causing an accident and is then responsible for paying related expenses. The specific rules can vary from state to state but the general concept is the same.

Required Coverage

All personal vehicles in South Carolina require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, South Carolina requires the following coverage:

  • Uninsured / Underinsured Motorist Bodily Injury
  • Uninsured / Underinsured Motorist Property Damage
Minimum South Carolina Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $25,000 Limit
Uninsured/Underinsured Bodily Injury $25,000 / $50,000 Limit
Uninsured/Underinsured Property Liability $25,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Comprehensive and collision insurance coverage are usually packaged together by insurance companies. They each help provide additional coverage for your vehicle if it needs repairs or replacement. Comprehensive is the “non-collision” type of coverage which pays for damages to your vehicle anytime other than when it has been in a collision such as after a hurricane or being stolen. Collision pays for repairs or replacement of your vehicle if it is involved in any type of accident. Regardless if your car isn’t listed as one of the most stolen vehicles in South Carolina, you should consider adding comprehensive coverage.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Registering as an uninsured motorist with the state and paying a fee of $550 per year. This provides no liability protection in the event of an accident.

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Policy Binder

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When obtaining or transferring your license or permit
  • When restoring your license after having it revoked or suspended
  • When obtaining a title or registration for your vehicle

Failure to Maintain Financial Responsibility Penalties

If you cancel your insurance coverage and do not notify the DMV of new coverage, you can face one of the following penalties:

  • Suspension of your license
  • Suspension of your license plates and vehicle registration
  • A reinstatement fee of $200
  • A fee of $5 for each day your vehicle was uninsured up to a maximum of $200

If you are caught driving a vehicle you do not own while uninsured, you can face the following penalties:

  • Suspension of your license for 30 days
  • A reinstatement fee of $100

If you are caught driving a vehicle you own while uninsured, you can face the following penalties:

  • Suspension of your license and registration until the DMV receives a $550 reinstatement fee
  • Requirement to file an SR-22 for the following 3 years

South Carolina Insurance Agents

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