South Carolina requires 25/50/25 liability coverage ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage) plus uninsured motorist coverage at the same 25/50/25 limits. Underinsured motorist coverage must be offered but is optional.
South Carolina minimum car insurance requirements
| Coverage | Minimum | What it does |
|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 | Per person / per accident, for injuries you cause. |
| Property Damage Liability | $25,000 | For other people's vehicles and property you damage. |
| Uninsured Motorist Bodily Injury | $25,000 / $50,000 | Required. Protects you if an uninsured driver injures you. |
| Uninsured Motorist Property Damage | $25,000 | Required. Covers your vehicle if an uninsured driver hits you. |
What affects car insurance rates in South Carolina
- Required UM coverage: Because uninsured motorist coverage is mandatory, the minimum policy costs a little more than in neighboring states.
- Coastal weather: Hurricane and flood exposure around Charleston, Myrtle Beach and Hilton Head affects comprehensive pricing.
- Tourist traffic: Seasonal congestion along the coast and I-95 increases accident frequency.
- Your ZIP code: Columbia, Charleston and Greenville-Spartanburg rates differ meaningfully from rural counties.
- Driving record: SC uses a points system; moving violations raise your premium for several years.
How to get cheaper car insurance in South Carolina
Start by comparing. A GEICO quote through DriveLower takes about two minutes and shows you a real rate for your ZIP code, not an estimate. Then stack the savings: bundle auto with renters, home or condo coverage, choose deductibles you can actually afford, keep your coverage continuous, and ask us to check every discount you may qualify for, including good driver, multi-vehicle, military, federal employee and good student.
If you're carrying only the state minimum, consider raising your liability limits. The minimums above were set years ago and rarely cover a serious crash today. The difference in premium is often smaller than people expect, and we'll show you both options side by side. Read our guide on liability vs. full coverage and 12 ways to lower your car insurance.
Serving drivers across South Carolina
We quote and write GEICO policies for drivers throughout South Carolina, including:
- Charleston
- Columbia
- North Charleston
- Mount Pleasant
- Rock Hill
- Greenville
- Summerville
- Goose Creek
- Hilton Head Island
- Myrtle Beach
- Spartanburg
- Florence
- Sumter
- Bluffton
- Beaufort
- Aiken
Not listed? Every South Carolina ZIP code works. Enter yours above to get started.
Coverage available in South Carolina
- Auto insurance: liability, collision, comprehensive, UM/UIM, medical payments, roadside and rental.
- Motorcycle insurance and boat insurance.
- Homeowners, condo and renters insurance through the GEICO Insurance Agency.
South Carolina car insurance FAQ
What car insurance is required in South Carolina?
Liability of 25/50/25 and uninsured motorist coverage of 25/50/25. Underinsured motorist coverage is optional but must be offered to you.
Why does South Carolina require uninsured motorist coverage?
To make sure you're protected when someone without insurance causes a crash. It covers your medical bills and vehicle damage when the at-fault driver can't pay.
Is South Carolina a no-fault state?
No. South Carolina is an at-fault state. The driver who causes the crash is responsible for damages through their liability coverage.
Can I drive in South Carolina with an out-of-state policy?
Visitors can. New residents generally have 45 days to get a South Carolina policy and registration. Start a quote with your new ZIP code.
How do I get the cheapest car insurance in South Carolina?
Compare your current policy against a GEICO quote, bundle auto with renters or home, keep a clean record, and ask about every discount you may qualify for.