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South Carolina Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in South Carolina. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in South Carolina.

SC Auto Insurance Laws and Regulations:

South Carolina Department of Car Insurance
300 Arbor Lake Dr., Suite 1200
Columbia, SC 29223

Minimum Car Insurance Coverage in SC:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

SC Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


SC Uninsured Penalties:

In the state of South Carolina you will be issued a ticket immediately and possibly arrested if you are caught driving without insurance.

You have a 15 day window from getting a ticket to provide proof of insurance. Failure to do so may result in the suspension of your license.

Failure to maintain proper insurance could lead to the suspension of your vehicle registration. If your liability insurance is cancelled or expires, you must return your vehicle's license plate and registration to DMV or reinstate your coverage. Otherwise, you may be subject to a reinstatement fee of $200 and $5 penalty for each day the vehicle was uninsured or the plate(s) was not turned in. The maximum penalty for the first offense is $400 per vehicle.


SC Department of Insurance Contact Information:

N/A

SC State Insurance Department Website:





Directory of South Carolina Auto Insurance Agents by County

Abbeville
Aiken
Allendale
Anderson
Bamberg
Barnwell
Beaufort
Berkeley
Calhoun
Charleston
Cherokee
Chester
Chesterfield
Clarendon
Colleton
Darlington
Dillon
Dorchester
Edgefield
Fairfield
Florence
Georgetown
Greenville
Greenwood
Hampton
Horry
Jasper
Kershaw
Lancaster
Laurens
Lee
Lexington
Marion
Marlboro
Mccormick
Newberry
Oconee
Orangeburg
Pickens
Richland
Saluda
Spartanburg
Sumter
Union
Williamsburg
York

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