Auto Insurance Minimum Requirements
South Carolina requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. South Carolina is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
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.
Fine
$100–$200
License / Registration
Suspension: Yes (30 days)
SR-22 Required After
Yes
What is the minimum car insurance required in South Carolina?
South Carolina requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is South Carolina a no-fault state?
No, South Carolina is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in South Carolina?
Yes. South Carolina requires uninsured motorist (UM) coverage. UM is strictly required at a 25/50/25 minimum limit framework. UIM coverage is optional.
What happens if I drive without insurance in South Carolina?
Driving without insurance in South Carolina can result in fines of $100–$200 and license/registration suspension (Yes (30 days)). An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in South Carolina?
SR-22 filings are used in South Carolina for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a continuous 3-year timeline after specific point suspensions or DUI convictions.
What does 25/50/25 mean in South Carolina?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
South Carolina Department of Motor Vehicles
More South Carolina Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — South Carolina Department of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.