Minimum Car Insurance in South Carolina
The liability limits South Carolina requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: South Carolina requires 25/50/25 liability: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. S.C. Code §§ 38-77-140, 38-77-150; SC Department of Insurance, Automobile Insurance
| Minimum coverage required | South Carolina requires 25/50/25 liability: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. You must also carry uninsured motorist coverage at the same minimum amounts (25/50/25), typically with a $200 deductible. Statutes: https://www.scstatehouse.gov/code/t38c077.php |
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| At-fault or no-fault | South Carolina uses a tort (at-fault) system. The basic coverages are bodily injury liability, property damage liability and uninsured motorist coverage; bodily injury claims against an at-fault driver may include medical expenses, lost wages, and pain and suffering. |
| Uninsured motorist coverage | Uninsured motorist (UM) coverage is required at no less than 25/50/25 (including $25,000 for property damage, with a possible $200 exclusion). Insurers must offer additional UM coverage up to your liability limits and must offer underinsured motorist (UIM) coverage up to your liability limits; UIM is optional to buy. |
More South Carolina car insurance & vehicle laws
- Driving Without Insurance in South Carolina
- SR-22 Insurance in South Carolina
- When a Car Is a Total Loss in South Carolina
- Transferring a Car Title in South Carolina
- All South Carolina car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in South Carolina?
South Carolina requires 25/50/25 liability: $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. You must also carry uninsured motorist coverage at the same minimum amounts (25/50/25), typically with a $200 deductible.
Is South Carolina a no-fault car insurance state?
South Carolina uses a tort (at-fault) system. The basic coverages are bodily injury liability, property damage liability and uninsured motorist coverage; bodily injury claims against an at-fault driver may include medical expenses, lost wages, and pain and suffering.
Is uninsured motorist coverage required in South Carolina?
Uninsured motorist (UM) coverage is required at no less than 25/50/25 (including $25,000 for property damage, with a possible $200 exclusion). Insurers must offer additional UM coverage up to your liability limits and must offer underinsured motorist (UIM) coverage up to your liability limits; UIM is optional to buy.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.