South Carolina car insurance: requirements & free quotes
South Carolina requires liability and uninsured motorist coverage, and it follows an at-fault system. Hurricanes and flooding along the coast make comprehensive coverage especially relevant.
Minimum coverage in South Carolina
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident / $25,000 property damage
Shown as 25/50/25 + UM 25/50/25. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in South Carolina
- Consider adding underinsured motorist coverage, which insurers must offer.
- Comprehensive coverage covers hurricane and flood damage.
- Ask about discounts for bundling and safe driving.
- Higher liability limits are worth pricing for highway and tourist traffic.
We connect drivers across South Carolina
Including Charleston, Columbia, North Charleston, Greenville and Myrtle Beach — and smaller towns in between. Availability depends on agencies serving your ZIP code.
South Carolina car insurance FAQ
No. South Carolina is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.