The Palmetto State

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South Carolina Auto Insurance

From the majestic Blue Ridge Mountains across the stately antebellum plantations to the breathtaking beaches along the coast, South Carolina has natural beauty to offer to everyone who lives there. In order to explore all of these magnificent sights, you’ll probably need a car. And if you do a great deal of driving on South Carolina streets and highways, you need to protect yourself financially from collisions and other mishaps that happen on the road.

Auto insurance rates in South Carolina can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select. Then you can pick the price you like, too!

Required Auto Insurance in South Carolina

If you’re driver who wants to remain in good legal standing, you'll need to purchase the proper level of Auto Insurance before taking to the highways and byways of South Carolina. First, state law requires you to obtain and maintain Liability Insurance, or to register with the state as an uninsured motorist. Anyone who is involved in an accident that you cause can be compensated for their medical bills and/or vehicle damage. In addition to Liability Insurance, you must also buy Uninsured Motorist Coverage. This type of insurance is to protect you in case you or your passengers are injured in a crash caused by an uninsured motorist.

State Minimum Liability Coverage in South Carolina

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Uninsured Motorist Coverage in South Carolina

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $25,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in South Carolina

You should keep in mind that the term "Auto Insurance" refers to much more than the minimum policies required by state law. There are several types of optional coverages that can help safeguard you against financial crises that can stem from inadequate coverage. They can also help you get your car up and running again in a timely fashion by taking care of the necessary repair costs.

Below are some examples of optional coverages you should to consider:

  • Collision Coverage*: Many people cannot easily survive without a functioning vehicle. And if they cause an accident or strike a heavy object with their vehicle, they may be hard pressed to find enough money to get it out of the repair shop. Collision coverage pays to fix any vehicle up to the policy's maximum limits, which can be the difference between getting a vehicle up and running in a week or having it sit idle in an auto shop for months.
  • Comprehensive Coverage*: Unfortunately, auto theft is all too common in South Carolina. And Liability Insurance won't reimburse you for the value of your stolen vehicle. Comprehensive coverage protects your vehicle from everything bad that can happen to it other than a collision. Therefore, this policy is equally valuable in situations where your vehicle is damaged by hail, flooding, fallen objects, fire or vandalism.
  • Higher Bodily Injury Limits: Do you remember the last hospital bill you saw? You probably couldn't believe how expensive health care can be. If you cause an accident that puts someone else in the hospital (especially for a long time), you'll be responsible for paying that bill. And if your Liability coverage limits are set too low, you'll have to shell out money for whatever costs aren't reimbursed by the insurer. To avoid this scenario, consider increasing your Bodily Injury coverage limits on your Liability policy.
  • Higher Property Damage Limits: It's true that $25,000 sounds like a lot of money when it comes to property damage. But with the minimum amount of coverage, that sum could vanish quickly if you run into a building, collide with a luxury vehicle or cause a multi-car accident. That’s why it’s a great idea to increase the PD limits on your Liability policy, too.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

There's no law that requires you to purchase any one of these optional policies. But for many drivers, the slight increase in premium is more than worth the peace of mind they receive from being covered against serious calamities. If you think you could benefit from these optional coverages contact an AIS agent to find out more information.

Most Stolen Car Models in
South Carolina

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to, these are the top 10 cars that were stolen in South Carolina in 2017:

  1. Ford Pickup (Full Size)
  2. Chevrolet Pickup (Full Size)
  3. Honda Accord
  4. Toyota Camry
  5. Nissan Altima
  6. Honda Civic
  7. Chevrolet Impala
  8. Dodge Pickup (Full Size)
  9. Ford Explorer
  10. Jeep Cherokee/Grand Cherokee

South Carolina Auto Insurance Discounts

Now, here's the fun part: Looking for discounts on your Auto Insurance! Almost every South Carolina driver can qualify for discounts on not only mandatory policies, but also the optional coverages listed above. Speak with an Insurance Specialist to find out which discounts you may qualify for.

Examples of South Carolina Car Insurance discounts include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

In order to live and work in South Carolina, you will likely want to own a vehicle that's in good working condition. But if it gets involved in a collision and you don't have adequate Auto Insurance, you could be in a financial bind. If you need a little help determining the right level of coverage for you, our agents at Auto Insurance Specialists can steer you in the right direction. AIS is well-skilled at finding policies that fit your needs without draining your bank account. See how the friendly people at AIS can help you get covered with the correct South Carolina Auto Insurance, and perhaps save you money in the process!

Start a South Carolina Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About South Carolina

You can register as an uninsured motorist with the South Carolina Department of Motor Vehicles if you pay a $550 fee. However, you must pay all accident-related expenses out of your own pocket if you cause damage to another party.

You can apply for the Associated Auto Insurers Plan of South Carolina for high-risk drivers if you attempted to secure Auto Insurance within the last 60 days but were rejected.

Notable South Carolina Attractions

Myrtle Beach

Fort Sumter and Charleston Harbor

Huntington Beach State Park

Riverbanks Zoo and Garden

Charleston Historic District