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south carolina car insurance

There's no doubt about it: living in South Carolina is downright beautiful. And with so many trails to traverse, rivers to raft, and parks to peruse, you have little time (or desire) to scour the web in search of South Carolina's car insurance laws.

Good thing that's exactly where we at Esurance are at our best. We've put together this guide to help make the auto insurance process in your state a little easier to understand — and way faster to read through.

We've proudly offered car insurance coverage to drivers in the Palmetto State since 2007. What's more, when you get a free South Carolina car insurance quote from us, you'll be able to compare it with real quotes from other top companies to help make sure your dollar's stretching as far as your gorgeous horizon.

south carolina car insurance discounts from esurance

We hope to bring a little southern comfort to Palmetto State residents with our wide array of discounts. Here's a few of our unique money-savers for drivers in your state:

  • Multi-Car discount
  • Switch & Save® discount
  • Paid-in-Full discount
  • Fast 5® discount
  • Good Student discount
  • Homeowners discount
  • Defensive Driver discount
  • DriveSense™ discount

Already have an Esurance policy? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts (some exclusions may apply).

south carolina auto insurance coverages

Required coverages

All South Carolina drivers are legally required to have these coverages and limits on their policies:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $25,000 for property damage per accident
  • Uninsured motorist coverage of 25/50/25 (same as the minimum liability limits)

Optional coverages

These additional coverages can give South Carolina drivers extra financial protection and peace of mind in the event of a claim:

  • Comprehensive coverage
  • Collision coverage
  • Underinsured motorist bodily injury coverage
  • Underinsured motorist property damage coverage
  • Rental reimbursement coverage
  • Emergency roadside service coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage

How fault works after an accident

When it comes to liability, South Carolina is a tort state. That means you can sue at-fault drivers in order to recoup medical expenses or the cost of car repairs. The state also practices comparative negligence, which means that the amount of money you end up recouping depends on the percentage of the accident that was your fault.

factors that affect car insurance rates in south carolina

South Carolina drivers can expect the following factors to impact their premiums:

  • Driving record and claim history
  • ZIP Code where your car is parked
  • Age, gender, and marital status
  • Year, make, and model of your car
  • Coverages, deductibles, and limits you choose
  • Discounts you qualify for
  • Your credit-based insurance score

insurance stats in south carolina

Uninsured drivers

A 2011 Insurance Research Council report estimated that 11 percent of the state's drivers were uninsured in 2009. The good news: this was below the national average of 13.8 percent.

Because South Carolina requires all policies to include uninsured motorist coverage (UM), insured drivers have some financial protection against those who don't have coverage.

Uninsured motorist fee

South Carolina approaches the problem of uninsured motorists a little differently than other states. In lieu of having car insurance, you can pay the state an uninsured motorist fee of $550 a year so long as you meet certain requirements. You'll still be liable for any damage caused in an at-fault accident.

No proof of insurance

If you're given a citation for driving without insurance, your driving privileges will be suspended. You'll also need to pay a $550 reinstatement fee and file an SR-22 for 3 years. An SR-22 is a proof of financial responsibility form required by the state and filed through your car insurance company.

South Carolina's rules on digital proof of insurance

South Carolina law permits drivers to display electronic proof of car insurance on a smartphone or tablet in the event that they get pulled over and need to provide evidence of auto coverage. If you're an Esurance customer in the Palmetto State, you can download our mobile app and even save your proof of coverage to your phone so it's available offline, too.

e-star® car repair shops in your state

E-star shops are Esurance-approved facilities that feature RepairView®, which allows you to track your repairs online every step of the way.

Find an E-star shop near you.

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