Understanding SC Auto Insurance Minimums: What Greenville Drivers Need to Know

South Carolina has specific minimum auto insurance requirements that every driver must meet. Understanding these minimums is the first step toward making sure you are legally covered on the road.

SC Minimum Liability: 25/50/25

The state requires all registered vehicles to carry at least:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

These are the minimum amounts. If you cause an accident with damages exceeding your coverage limits, you are personally responsible for the difference. Given the cost of medical care and vehicle repairs today, many local agents recommend carrying at least 100/300/100.

Uninsured Motorist Coverage

SC also requires uninsured motorist (UM) coverage matching your liability limits. You can reject this coverage in writing, but doing so is risky. The Insurance Research Council estimates that about 9% of SC drivers are uninsured, and in some areas that number is higher.

What Happens If You Drive Without Insurance?

Driving without insurance in South Carolina can result in:

  • Fines up to $550 for a first offense
  • License and registration suspension
  • Requirement to file an SR-22 (proof of financial responsibility) for three years
  • Higher premiums when you do get insured

Get a full breakdown of SC auto insurance requirements, coverage options, and money-saving strategies in this complete auto insurance guide for Greenville SC drivers.

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