South Carolina Auto Insurance

Like most states, South Carolina requires that their drivers have auto insurance coverage and keep proof with them at all times. If you're pulled over by a traffic officer on the road, or involved in an accident, you'll need to show that you have coverage. Additionally, when you register a car in the state, you'll also need to present proof of insurance coverage.

Minimum South Carolina auto insurance

Drivers in South Carolina need to keep a minimum amount of liability coverage to protect themselves in case of an unfortunate accident. The following amounts are the absolute minimums:

• Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
• Property Damages: $25,000 

Fortunately, South Carolina does require you to carry uninsured motorist coverage. This is a good thing, because 9% of South Carolina's drivers do not carry auto insurance, according to a 2007 Insurance Research Council study, and uninsured motorist coverage will protect you from financial losses. You may also need more auto insurance coverage in order to make sure that all your costs will be covered if you're in a bad collision, because the driver found at fault for causing the accident will need to cover all of the damages and medical bills.

Penalties without South Carolina auto insurance

In South Carolina, the state does a random sampling to check whether drivers are insured. If you're pulled up in the sampling – or if you're pulled over by an officer or in a car crash – you will need to have insurance. If you're pulled over and have forgotten to keep your proof in the car with you, then you'll have 15 days to submit evidence.

If you're found to not be carrying the requisite auto insurance coverage, you will receive a fine and your driving license and registration will be suspended. Further, your license plates will also be seized. In addition, for the next three years you'll need to have your insurance company file an SR-22 certificate with the state, proving you have insurance ; also, your premiums may increase as a result.

For anyone thinking of faking their insurance in South Carolina, you'll find that it comes with the risk of a heavy penalty, including suspension of both your driving and registration privileges – not to mention the fines and damages costs that may apply.

Request a free quote for South Carolina auto insurance today!