South Carolina car insurance
While driving through Charleston or Greenville enjoying the picturesque landscapes you can also enjoy dependable and affordable car insurance in South Carolina with Progressive. Learn South Carolina's car insurance requirements and see which coverages and discounts are available to you.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are South Carolina's minimum auto insurance requirements?
Drivers in South Carolina are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum car insurance limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to someone else in an accident. | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability (PD) | What it coversDamage you cause to someone else's property while driving, such as a vehicle. | Minimum amount$25,000 per accident |
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident |
| UM/UIM property damage | What it coversDamage to your vehicle and other property caused by an uninsured driver. | Minimum amount$25,000 per accident (with a $200 deductible) |
While these are South Carolina's minimum required car insurance limits, you can choose higher coverage amounts to better protect your family's finances. Learn how much car insurance you may need based on your circumstances and preferences.
Is South Carolina a no-fault state?
No. South Carolina is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Find out what happens if you're at fault in an accident.
How much is car insurance in South Carolina?
The average cost of a liability-only auto policy in South Carolina was $146.84 per month in 2023, based on Progressive policies with one car and one driver.* However, South Carolina car insurance rates will vary based on your driving history, ZIP code, and coverage selection. Discover more car insurance cost factors.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.
What is the best car insurance in South Carolina?
Finding the best car insurance in South Carolina means comparing equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help South Carolina drivers get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
If you're looking for the cheapest car insurance in South Carolina, here's how much drivers nationwide saved on average after switching to Progressive compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
- GEICO customers who switch and save with Progressive save $757 on average§
- State Farm customers who switch and save with Progressive save $661 on average‡
How do I lower my car insurance cost in South Carolina?
To lower your car insurance cost in South Carolina, you may qualify for the following discounts through Progressive:
- Continuous insurance
- Teen driver
- Multi-policy
- Paid in full
- Homeowners
- Quoting online
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in South Carolina is to combine your auto and home policies with Progressive — new customers nationwide who save bundling home and auto insurance save over 20% on average.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to South Carolina's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is damaged in another covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.
South Carolina driving resources
From Mount Pleasant to Rock Hill, get to know South Carolina's driving laws and resources. These resources apply to Greenville, Goose Creek, and everywhere in between. Local municipalities may have additional laws and resources.
- South Carolina Department of Motor Vehicles: Find out how to get or renew your SC license and registration.
- South Carolina Traffic and Transportation Safety: Review South Carolina's bicycle and pedestrian safety rule, child passenger safety laws, SC driving laws and general highway safety.
- South Carolina driving FAQs: Learn what you need to know about driving in South Carolina.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in South Carolina
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