South Carolina Auto Insurance Rates & Requirements

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. South Carolina courts allow injured parties to sue for damages beyond your policy limit, putting your assets at risk.

Pays for damage you cause to another vehicle, fence, building, or other property. South Carolina does not require collision or comprehensive coverage, even for financed vehicles, but lenders universally mandate it.

Protects you when an at-fault driver has no insurance or flees the scene. South Carolina requires this coverage at the same limits as bodily injury liability unless you reject it in writing.

South Carolina does not mandate this coverage, but insurers must offer it. Given that roughly one-third of South Carolina drivers carry only minimum limits, underinsured motorist coverage provides critical protection in serious injury crashes.

Collision covers your vehicle after crashes regardless of fault; comprehensive covers theft, vandalism, flood, hail, and animal strikes. South Carolina law does not require either, but lenders require both on financed or leased vehicles. Coastal counties face elevated flood and hurricane risk, while deer collisions peak in fall and winter across rural Upstate and Midlands regions.