Personal Auto Insurance

🚗 Auto Insurance in South Carolina

Minimum Liability Insurance Requirements

South Carolina law requires all drivers to carry minimum auto insurance:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

• $25,000 for property damage per accident

This liability-only coverage protects others if you're at fault—but it does not cover your own vehicle or medical expenses.

Why Minimum Coverage May Leave You Exposed

Many drivers search for cheap car insurance in South Carolina, assuming minimum coverage is enough. But here’s the reality:

• No protection for your own car if you cause an accident

• No coverage for theft, vandalism, or weather damage

• No help if the other driver is uninsured or underinsured

• Out-of-pocket costs can exceed your policy limits, leaving you financially vulnerable

Even a minor accident can result in thousands of dollars in damages—far beyond what minimum liability covers.

Full Coverage Offers Peace of Mind

To protect yourself and your vehicle, consider adding:

• Collision coverage: Pays for damage to your car after an accident

• Comprehensive coverage: Covers theft, fire, hail, and more

• Uninsured/Underinsured motorist protection: Helps if the other driver lacks sufficient coverage

Full coverage in South Carolina averages around $1,147 per six months, and discounts are available for safe drivers, bundled policies, and more.

Local Insurance Support

Whether you're in Greenville, Charleston, or anywhere in South Carolina, finding the right auto insurance means balancing cost with protection. Mobile searches like “auto insurance near me” are rising—make sure your coverage fits your needs before you’re on the road.