South Carolina Auto Insurance Policy Requirements

Q: What is in a basic South Carolina auto insurance policy?
A: These are the principal kinds of auto insurance that your South Carolina auto insurance policy can include:

  1. Liability Coverage
    1. Liability insurance is divided into two types because the insurance concepts of property and people are considered separately:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Minimum liability coverage in South Carolina is:
      1. $15,000 for injury/death to one person.
      2. $30,000 for injury/death to more than one person.
      3. $10,000 for damage to property.
      4. 15/30/10” (South Carolina’s minimum auto insurance requirement)
    3. The liability minimums explained above are different for leased vehicles.
  2. Collision Coverage is required by law if you have not completely paid off your vehicle. However, if your vehicle is completely paid for, then it is suggested to include collision though it is not required.
  3. Comprehensive Coverage is required by law if your vehicle is financed. However, if your vehicle is in fact completely paid for, then it is not required in South Carolina.
  4. Medical Payments Coverage does not need to be included in an automobile insurance policy in South Carolina.
  5. Uninsured (and Underinsured) Motorist Coverage has to be included in your auto insurance policy in the state of South Carolina.
  6. Personal Injury Protection (PIP) Coverage is not a required add-on for a South Carolina auto insurance policy.
  7. More Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is South Carolina a No-Fault state?
A: No, South Carolina is not a state with a no-fault insurance system.

Q: How can I get a discount on a South Carolina auto insurance policy?
A: We have created a list of auto insurance discounts to help you possibly get a discount on your South Carolina auto insurance policy.

Q: Where can I find more information about South Carolina auto insurance?
A: These sites will help you with finding more information on South Carolina auto insurance:
  1. South Carolina Insurance Resources
    1. The South Carolina Department of Motor Vehicles (SC DMV) provides standard DMV services, such as issuance of driver’s licenses, and also offers automobile insurance information, including the facts about driving uninsured in South Carolina.
    2. The South Carolina Department of Insurance (SCDOI) regulates the insurance agency, including overseeing tens of thousands of insurance companies, brokers, and agents.
  2. National Insurance Resources

CLICKinsure serves South Carolina from The Low Country beaches and Carolina bays to the forests and hills of the Upstate. Whether you’re heading to a NASCAR race at the Darlington Raceway or a golfing getaway on Hilton Head, you need quality auto insurance with the best rates. Please turn to CLICKinsure as your broker for assistance in securing a plan. We cover the entire state, including cities such as Columbia, Charleston, Greenville, Anderson, Beaufort, Georgetown, Hilton Head Island, Mount Pleasant, Myrtle Beach, Rock Hill, and Sumter.