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• SC Auto Insurance
• South Carolina Auto Insurance

Insurance Laws for South Carolina State

South Carolina’s Mandatory Liability Requirements

Liability insurance protects you, your passengers, and your assets that are the result of a motor vehicle accident. South Carolina requires that a vehicle owner purchases a minimum required amount of auto liability insurance.

Minimum Liability Limits in South Carolina:

• Bodily injury (BI) liability: $25,000 per person, $50,000 per accident for bodily
  injury to others.
• Property damage (PD) liability: $25,000 per accident for damage to the property of
  others.
• Uninsured motorist coverage is required in South Carolina.

Understanding Liability Coverage

Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault.

Property damage liability insurance pays for any damage you cause to the property of others. This includes not only damages to other vehicles but also other property, such as walls, fences and equipment.

Uninsured motorists coverage protects the policy holder directly. This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto insurance.

Every South Carolina Insurance Company Must Abide By Nondiscrimination Laws

You may not be discriminated against because of your race, skin color, religious beliefs or nationality. It’s against the law. This means that you may not be denied coverage, refused renewal or charged more for coverage due to any of these factors. If you do have a higher auto rate than someone else, it must be “based on sound
actuarial principles.” To understand underwriting better, visit our South Carolina car insurance rates page.

You Must Carry Proof of Insurance. It’s The Law!

It’s the law that you must carry proof of insurance with you whenever you are in your vehicle in South Carolina. Your insurance
company is required to give you at least one card per insured vehicle that shows
the effective date and expiration date of your policy.
Keep this card in your vehicle at all times as it is required that you prove you have insurance if you are in an accident or stopped by a police officer. If you are caught driving without auto liability insurance, you may be subject to fines, suspended driving privileges, and/or your vehicle may be impounded.