Before driving legally in South Carolina, drivers must carry a minimum level of auto insurance coverage.
If you have recently searched for “car insurance near me,” it’s important to understand what coverage is required by state law.
South Carolina Minimum Liability Coverage
South Carolina requires drivers to carry the following minimum liability limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
These limits cover damages you may cause to other drivers if you are at fault in an accident.
Uninsured Motorist Coverage
South Carolina also requires uninsured motorist coverage, which protects you if you are involved in an accident with a driver who does not carry insurance.
This coverage typically matches the state minimum liability limits.
Why Many Drivers Choose Higher Coverage
While minimum coverage satisfies legal requirements, it may not always provide enough protection in serious accidents.
Medical bills, vehicle damage, and legal costs can exceed minimum coverage limits.
Many drivers choose higher liability limits to better protect their finances.
Understanding Your Coverage Options
Insurance policies may also include optional protections such as:
- Collision coverage
- Comprehensive coverage
- Rental car reimbursement
- Roadside assistance
An experienced insurance agent can help explain these options and determine the best coverage for your needs.