South Carolina Car Insurance Requirements (Updated for 2025)
South Carolina law requires all drivers to carry minimum liability insurance coverage. Failure to comply can lead to fines, license and registration suspension, and other penalties.
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Minimum Liability Coverage in South Carolina
As of 2025, the minimum required liability insurance limits are:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
Underinsured motorist coverage is offered but optional; you must reject it in writing if you choose not to carry it.
Proof of Insurance Requirements
Drivers must carry proof of insurance, either a physical insurance card or an electronic version on a mobile device. Law enforcement can verify insurance electronically via the SCDMV database. Failure to provide proof can result in penalties.
Penalties for Driving Without Insurance
- First Offense: $550 fine plus $5 per day uninsured motorist fee, with license and vehicle registration suspension until proof of insurance is provided.
- Second Offense: Higher fines, longer suspension periods, and potential jail time.
- Third Offense: Misdemeanor charge, possible jail time, and extended suspension of driving privileges.
Optional Coverages to Consider
- Collision Coverage
- Comprehensive Coverage
- Medical Payments (MedPay)
- Rental Reimbursement
- Roadside Assistance
Average Insurance Rates
Premiums vary based on factors such as driving history, vehicle type, and location. Comparing quotes from multiple insurers can help you find the best rates.
FAQs
Is South Carolina a no-fault state?
No, South Carolina is an at-fault state where the at-fault driver is responsible for damages.
Can I drive without insurance if I can pay for damages out of pocket?
No, all drivers must maintain minimum liability insurance per state law.
What if I can’t afford car insurance?
Consider low-cost insurance options or state assistance programs if eligible.