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Minimum State Insurance Requirements » South Carolina

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



South Carolina Car Insurance Information

Though South Carolina is ranked among the top 20 most expensive states for annual car insurance premiums, drivers in the state do not lack for insurance options, since there are dozens of agencies that operate in the state. Drivers can also use to compare offerings and get South Carolina Car insurance information.

South Carolina Car Insurance Information

South Carolina operates under a no-fault insurance scheme, which limits how much a person injured in an automobile accident can recover from another driver. Other states are more lenient than the Palmetto State, allowing more opportunity for those injured to collect damages. It is a wise decision to have more comprehensive coverage since more than 500,000 drivers in the state are uninsured.

Car Insurance Minimum Requirements

A driver in South Carolina must purchase a car insurance policy that includes $25,000 in injury liability per person, $50,000 in injury liability per accident and $25,000 in property damage coverage. Though these requirements are slightly stricter than in Tennessee and less than North Carolina, South Carolina is in line with most other Southern states.

Car Insurance Companies

South Carolina boasts dozens of insurance agencies of all sizes and offering a variety of available services. Drivers in the state can opt to work with an agency that deals solely with one insurer or with a business that has arrangements with multiple companies. Some agencies may even offer bundling packages, where house, auto, life, etc. insurance can be combined together for a lower rate on the whole than they would have been separately.

A good insurance plan is a solid investment in a state that has over 100,000 vehicle accidents each year, with nearly 50,000 resulting in injuries and approximately 1,000 fatalities, according to the South Carolina Department of Public Safety.

Free Car Insurance Quotes for South Carolina

As a South Carolina driver, you may want to browse policy quotes before actually contacting any insurance agencies. You can visit to get the chance to “window shop” the offerings and rates of various insurers without the need to do the footwork yourself through phone calls, websites and sales pitches. Additionally, as it is an independent website, there is no worry of bias in favor of one company.

Car Insurance Rates

Home to sandy beaches, warm weather and occasional hurricane threats, South Carolina fares better than most southern states in their average annual insurance policy. Less expensive than many of its neighbors by nearly $400 in some cases, it still ranks as the 18th most expensive state nationwide for car insurance. A year’s premium in the Palmetto State will cost a driver $1,362, which translates to about $113.50 per month.