South Carolina Auto Insurance

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From the banks of Myrtle Beach to the tree-lined streets of Charleston, Columbia, Greenville, Lexington, Aiken and so many more amazing cities in the Palmetto State, each driver must abide by South Carolina auto insurance minimum requirements at all times. Since the state has been one of the most coveted destinations in the southeastern United States for years, many people are constantly moving into this beautiful place.

Whether you’re just moving to South Carolina, just getting your driver’s license or renewing your South Carolina auto insurance in hope of cheaper prices, Clovered is here to make your transition as smooth as possible.

We partner with some of the best auto insurance companies in South Carolina, like Progressive and Travelers, to provide each citizen of the Palmetto State an auto policy that meets their coverage needs and budget.

South Carolina Auto Insurance Minimum Requirements

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $25,000 per accident
  • Uninsured Motorist: $25,000 per person, $50,000 per accident
  • Underinsured Motorist: $25,000 per person, $50,000 per accident

What Does South Carolina Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Is South Carolina a No-Fault Auto Insurance State?

No, South Carolina is considered an at-fault state, which utilizes an at-fault system for its state’s car accidents. This uses the at-fault driver’s auto insurance policy and typically leaves the non-fault driver’s insurance company out of the equation.

How to Get Cheap Auto Insurance in South Carolina

Car insurance in South Carolina is a little below the national average, but that doesn’t mean you can’t get it for cheaper. At Clovered, we’ve teamed up with some of the state’s top auto insurance companies so we can compare policies and prices and then provide you with the best South Carolina auto insurance at the best price.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.