The Insurance Research Council (IRC) estimates that 11 percent of the state's drivers are uninsured. The good news: this is 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.