South Carolina Insurance Overview
South Carolina has straightforward insurance requirements, but understanding your options helps ensure you have the right protection for your situation.
Auto Insurance in South Carolina
State Requirements
South Carolina requires 25/50/25 liability coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Uninsured Motorist Coverage
South Carolina also requires uninsured motorist (UM) coverage at the same limits as your liability. This protects you if you're hit by an uninsured driver.
You can reject UM coverage in writing, but it's generally not recommended.
Beyond the Minimum
South Carolina's minimums are relatively low. Consider:
- Higher liability limits: Medical costs can easily exceed $25,000
- Collision coverage: Covers damage to your own vehicle
- Comprehensive coverage: Covers theft, weather, and non-collision damage
Homeowners Insurance in South Carolina
What to Know
South Carolina homeowners should consider:
- Hurricane exposure: Coastal areas face wind and storm surge risks
- Separate wind/hail deductibles: Common in coastal counties
- Flood zones: Parts of the coast and low-lying areas need flood insurance
Coverage Basics
Standard policies cover:
- Dwelling and structures
- Personal property
- Liability
- Additional living expenses
What's Not Covered
- Flood damage
- Earthquake damage
- Maintenance issues
Renters Insurance in South Carolina
Renters insurance isn't required by law, but many landlords require it. It covers:
- Your personal belongings
- Liability protection
- Additional living expenses if displaced
Next Steps
Understanding your requirements is the first step. When you're ready to review your coverage with a licensed South Carolina agent, we're here—no pressure, no obligation.