South Carolina Auto Insurance Requirements

The state of South Carolina allows eligible motor vehicle operators to drive their vehicle without auto insurance. This factor comes into play when you pay an annual fee of $550 to the department of public safety. An eligible consumer must have a spotless driving record to be considered for this option.

However, if you in an “At Fault” accident while not carrying insurance, you can still be held financially responsible for any property damages and/or personal injuries.

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All drivers must show proof of either an auto insurance liability policy with minimums of 25/50/25 (see the chart below) or authorization to legally drive uninsured upon the request of any law enforcement officer.

South Carolina drivers may also choose to increase their protection by adding collision, comprehensive, uninsured and underinsured motorist, and medical payments to their current or new insurance policy.

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Auto Insurance for Leased Vehicles in South Carolina (SC)

Most leasing companies in South Carolina typically require drivers to maintain insurance coverage which exceeds the minimums set by South Carolina state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Insurance Considerations for Drivers in South Carolina by City

• Charleston

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010