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South Carolina Car Insurance Resources

South Carolina Car Insurance

Car Insurance Rates in SC

^ From 2006 to 2010, South Carolina cities had the 23rd highest auto insurance rates in the nation. [2]

Car Insurance in SC by City

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Cars Insured in SC

^ South Carolina ranked 24th of all U.S. states in total auto insurance policies in 2011. [1]

SC Car Insurance

South Carolina Car Insurance Requirements

Car Insurance Liability Requirements in South Carolina

  • Minimum Liability Limits in SC: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in South Carolina

Required Car Insurance Coverage in South Carolina
  • Auto Insurance Coverage Requirements in SC [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in South Carolina

  • Insurer Verification of Auto Insurance in SC [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Car Insurance Quotes for South Carolina Drivers

South Carolina Car Insurance Facts, Estimates & Related Laws

South Carolina Car Insurance Facts

South Carolina Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in SC
    • South Carolina had the 23rd highest auto insurance rates in the nation in 2010. [2]
    • Rates in SC ranked 24th in the nation in 2009. [2]
    • In 2008, SC had the 23rd highest rates in the country. [2]
  • Number of Auto Insurance Policies in SC
    • South Carolina ranked 24th in the nation in auto insurance policies in 2011 with a total of 3,408,224. [1]
  • Uninsured Motorist Rate in SC
    • The uninsured motorist rate in SC ranked 37th in the nation in 2009. [3]

South Carolina Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? No
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • n/a. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

South Carolina Automotive Laws

  • Safety Belt Laws in SC
    • Safety belt laws have been in place since 1989 and apply to drivers/passengers 6+ years in all seats. [7]
    • Child restraint law in place for 1 year and younger or less than 20 pounds in a rear-facing infant seat; 1 through 5 years and 20-39 pounds in a forward-facing child safety seat; 1 - 5 years and 40-80 pounds in booster. [7]
  • Motorcycle Helmet Laws in SC
    • Motorcycle helmets required for 20 and younger. [7]
  • Driver's License Renewal Cycle in SC
    • Renewal cycle: 10 years [7]

South Carolina Auto & Driver Facts

South Carolina Automotive Facts

South Carolina Auto & Driver Facts
  • Speed Limits in SC
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in SC
    • South Carolina cities collectively ranked 18th in the nation in total motor fuel consumption in 2011. [9]

South Carolina Licensed Drivers

  • Licensed Drivers in SC [10]
    • Total Drivers: 3,408,318
    • Female: 1,775,011
    • Male: 1,633,307
    • SC has the 23rd most drivers in the U.S.
  • Minimum Driving Age in SC [5]
    • South Carolina has a minimum driving age of 15 years.

South Carolina Auto Registrations

  • Auto Registrations in SC [8]
    • Registered Cars: 1,983,691
    • Registered Trucks: 1,726,266
    • Registered Motorcycles: 108,371
    • Total Registrations: 3,827,208
    • Rank: South Carolina ranked 25th in the United States in total auto registrations in 2011.

South Carolina Demographics

South Carolina Age Breakdown

In South Carolina, 75% residents are 20 and older, while 5% are under the age of 5 and 20% are between ages 5 and 19. [6]

South Carolina Demographic Information

  • South Carolina Race Breakdown [6]
    • Caucasian descent: 68.03%
    • African American descent: 27.05%
    • Hispanic descent: 4.03%
    • Asian descent: 0.78%
    • Native American descent: 0.11%

  • South Carolina Education Breakdown [6]
    • High school diploma or higher: 78%
    • Bachelor's degree or higher: 21%

South Carolina Income Breakdown

In South Carolina, the median household income is $49,077, while 18% of state households are below the poverty level. [6]

Additional information about South Carolina

About South Carolina

South Carolina has a population of approximately 4,625,364, which ranks 24th in the U.S. among all states. [6]

SC Car Insurance

More about South Carolina auto insurance

For more information about auto insurance in SC, or for additional resources regarding South Carolina car insurance, visit the South Carolina Department of Insurance.

Did you know?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

South Carolina Cities