Driving through Charleston’s historic streets, along Myrtle Beach’s coast, or on the quiet backroads of the Lowcountry? Then you need proper car insurance in South Carolina. It's essential. Drivers in the Palmetto State must have active coverage. This isn't just about following the law; it’s also to keep themselves and others safe on the road.
Minimum Car Insurance Requirements in South Carolina
Every driver in South Carolina must carry liability insurance and uninsured motorist coverage. Here’s the state-required minimum coverage:
- $25,000 Bodily Injury Liability per person
- $50,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability
- Uninsured Motorist Coverage - equal to the same limits above
This ensures that if you’re ever in an accident, both you and other drivers are financially protected. Driving without insurance in South Carolina can result in fines. It may also lead to the suspension of your driver's license and revocation of vehicle registration.
Average Cost of Car Insurance in South Carolina
South Carolina’s car insurance rates are a bit above the national average. However, they remain reasonable when compared to nearby states. Full coverage typically costs between $1,600 and $1,900 yearly. This varies based on where you live, the type of vehicle you have, and your driving record. Coastal areas like Charleston and Hilton Head tend to have higher rates due to weather risks and denser traffic.
Recommended Additional Coverages
While the state minimums help you stay legal, they might not fully protect you financially in serious accidents. Many South Carolina drivers add:
- Comprehensive and Collision Coverage - covers damages from accidents, theft, or storms.
- Underinsured Motorist Coverage - protects you when another driver’s insurance isn’t enough.
- Medical Payments Coverage (MedPay) - covers your medical bills regardless of fault.
- Roadside Assistance - great for long road trips or daily commutes.
Ways to Save on Car Insurance in South Carolina
You can reduce your car insurance bill by following a few simple steps:
- Compare multiple quotes from licensed agents across the USA.
- Ask for safe driver or multi-policy discounts.
- Keep your credit score strong - insurers in South Carolina consider it when calculating rates.
- Choose a higher deductible if you can afford it.
- Take a defensive driving course - it may lower your premiums.
Driving in South Carolina: What to Keep in Mind
South Carolina has one of the highest accident rates in the Southeast, partly due to rural roads and fast-changing weather. That’s why staying properly insured isn’t just a legal formality - it’s a smart financial decision.
Get a Free Car Insurance Quote in South Carolina
From the Blue Ridge Mountains to the Atlantic Coast, keep your ride safe no matter where the road leads you. Our licensed agents across the USA are ready to help you compare plans, explore coverage options, and find the best deal for your needs.
Find out about insurance in North Carolina, Alabama, Georgia, Florida and Texas on our website.
Call today for your free South Carolina car insurance quote!