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South Carolina Car Insurance

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Here's what you need to know when driving in South Carolina

Across the Palmetto State, there are 139,690 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in South Carolina

In South Carolina, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Uninsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Optional coverage in South Carolina (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury
  • Underinsured Motorist Property Damage

Liability coverage is legally required in South Carolina and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The 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 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in South Carolina and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In South Carolina, the minimum is listed as 25/50/25 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

$25,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.

These numbers reflect the minimum limits required in South Carolina but higher coverage amounts are available with most companies.

Top South Carolina Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in South Carolina?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in South Carolina you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in South Carolina?

Uninsured Drivers in South Carolina
South Carolina

8%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in South Carolina cities?

Rank City Avg. Annual Premium
1 Florence $1,285
2 North Charleston $1,275
3 Goose Creek $1,271
4 Summerville $1,265
5 Charleston $1,260
6 Sumter $1,227
7 Socastee $1,211
8 Mount Pleasant $1,201
9 Columbia $1,201
10 Myrtle Beach $1,198
11 Saint Andrews $1,172
12 Hilton Head Island $1,150
13 Greenville $1,122
14 Greenwood $1,121
15 North Augusta $1,117
16 Rock Hill $1,113
17 Aiken $1,108
18 Spartanburg $1,105
19 Anderson $1,105
20 Taylors $1,074
21 Wade Hampton $1,069
22 Greer $1,066
23 Mauldin $1,050
24 Easley $1,045
25 Simpsonville $1,029

More questions?

Check out other FAQs and ask your own South Carolina car insurance questions here.
Driving Laws

South Carolina Texting and Driving Laws

  1. Ban on text messaging for all drivers
Alcohol Related Fatalities

357

Per Year in South Carolina
Annual DUI Arrests
South Carolina
14,742
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's cheap to get car insurance in South Carolina!

Whoa! South Carolina is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Since South Carolina might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in South Carolina?
Rank Company Name Avg. Annual Premium
1 The Hartford $760
2 USAA $1,005
3 State Auto $1,116
4 Auto-Owners $1,130
5 Southern Farm Bureau $1,273
6 SC Farm Bureau Mutual $1,273
7 National Grange Mutual $1,348
8 Travelers $1,370
9 State Farm $1,394
10 Allstate $1,605
11 Progressive $1,627
12 Encompass $1,674
13 Nationwide $1,796
14 Safe Auto $1,946
15 GEICO $2,021
16 Bristol West $2,444
17 Liberty Mutual $2,464
18 Safeco $2,717

South Carolina Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the South Carolina area, while also getting an insider view of the Palmetto State.

Click here to learn more.

Prompt

So, South Carolina students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.