South Carolina Car Insurance Laws

Auto insurance requirements in South Carolina

If you plan on driving in the state of South Carolina, you are required to carry the mandatory insurance minimums. These limits are put into place to protect both you and other drivers. Also, all drivers must carry proof of insurance when driving, which must be shown to law enforcement officials when requested. Have a look at the insurance required in South Carolina as well as a breakdown of what it covers.

Minimum Liability Coverage: 25/50/25
Uninsured Motorist Coverage
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

Keep in mind that a leasing company or lienholder can require physical damage coverage — sometimes referred to as full coverage — to protect their investment by covering your vehicle.

 

Uninsured motorist coverage in South Carolina

Unfortunately, a number of motorists get behind the wheel without proper insurance coverage. Uninsured motorist bodily injury coverage helps to cover your bodily injury expenses if you are injured in a collision with a driver who has no insurance and cannot pay for your damages.

Liability coverage in South Carolina

Liability coverage is legally required in South Carolina. This coverage is split into bodily injury and property damage coverages. Bodily injury coverage pays for injuries and lost wages that you cause to another driver or their passengers. Property damage coverage pays for damage you cause to the other driver’s property. Liability insurance never pays for your injuries or damages to your property. To cover these expenses, you would need to add further coverage. 

 

What are state-mandated car insurance limits in South Carolina?

Nearly every state requires a certain amount of insurance coverage for all motorists.Liability coverage limits are determined by each individual state and normally split into three categories. In South Carolina, the minimum is listed as 25/50/25. The first two numbers refer to bodily injuryper-personandper-accident, respectively, while the last number refers to property damage.

  • Per-personcoverage is the most that a car insurance company will pay for a single person that you injure in an auto accident.
  • Bodily injury coverage per-accidentis the most that your insurer will pay for all injured parties in an accident in an accident caused by you. 
  • Property damage per-accidentrefers to the maximum dollar amount an insurer will pay for damage that you cause to another party’s property in an accident.

These numbers reflect the minimum limits required in South Carolina. Higher coverage amounts are available via most companies.

Uninsured motorist coverage is split in much the same way. Therefore, it only covers bodily injury per person and per accident for you or those in your vehicle injured by an uninsured or underinsured driver.

 

Do South Carolina’s required insurance minimums provide enough coverage?

Carrying only the state-mandated minimums is never recommended, as this leaves you and your assets at risk. South Carolina’s liability limits are roughly average when compared to most states, though this does not mean that you are adequately covered. Considering how quickly medical expenses can accrue, raising your limits is almost necessary.

It’s highly recommended that all drivers increase these limits in order to avoid being stuck footing the bill out-of-pocket. This can usually be done for a relatively small increase in your insurance premiums. Also, if you want to protect your vehicle, adding physical coverage is the only option.

 

South Carolina’s penalties for driving without proof of insurance

Those who drive without insurance in South Carolina are guilty of a misdemeanor and can face the following consequences. 

1st offense

  • Fine between $100 and $200
  • Or imprisonment for 30 days.
  • License and registration suspended
  • SR-22

2nd offense

  • Fine of $200
  • 30 days in prison
  • License and registration suspended
  • SR-22

3rd offense

  • Imprisonment between 45 days and 6 months
  • SR-22
  • License and registration suspended

The state also imposes a fee of $550 dollars to register a previously uninsured vehicle. Furthermore, you must also pay $5 for every day in which your insurance coverage has lapsed.

 

Optional car insurance coverage in South Carolina

South Carolina law requires liability and uninsured motorist coverage to be legal. However, you may want to consider these additional coverage options to expand your protection. 

  • ComprehensiveThis coverage protects your vehicle from non-collision perils such as theft, weather damage, and even hitting an animal.
  • CollisionIf you collide with another vehicle or object, this coverage will cover damages to your vehicle.
  • Loan/Lease PayoffThis coverage is often referred to as gap coverage. It can be very helpful for those financing a vehicle that has been totaled, as it covers the difference between your vehicle’s actual cash value andthe amount you still owe on the loan.
  • Medical PaymentsMedical payments coverage (med pay) steps in to help with medical expenses accrued by you or those in your vehicle in an accident. 
  • Rental Car ReimbursementIf your car is unable to be driven, this coverage helps cover costs associated with getting a rental until your vehicle is fixed. 
  • Roadside AssistanceThe companies that offer this coverage may differ in the types of coverage provided, but roadside assistance usually helps with things like battery jumps, towing expenses, and flat tire fixes. 

 

Why adhering to South Carolina’s car insurance requirements is important

While no one expects to be in an accident, being prepared is always a good idea. If you choose to go without insurance, you can expect to face legal penalties and will be held liable for any damages you cause. To avoid this, not only should you get liability insurance, but you should increase those limits as much as you can reasonably afford. Also, consider adding some of the above coverages to help with other possible expenses after an accident.

Shopping around is the best way to find an affordable policy that fits your specific needs. You can get free insurance quotes from The Zebra and compare prices and coverage options side by side, making your search much easier.

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.