South Carolina

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

UM Only

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1999-01-01

Uninsured / Underinsured Motorist

UM is strictly required at a 25/50/25 minimum limit framework. UIM coverage is optional.

SR-22 Filings

Required for a continuous 3-year timeline after specific point suspensions or DUI convictions.

Alternatives to Insurance

Uninsured Motorist Registration option allows driving uninsured by paying a $600 annual fee to the DMV, but this provides no coverage and leaves the driver personally liable.

Official Source

South Carolina Department of Motor Vehicles

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.