South Carolina

South Carolina requires minimum liability of 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in South Carolina pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in South Carolina pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $25,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

South Carolina REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury and property damage coverage at 25/50/25 is mandatory on every policy. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Self-insurance certificates available for fleets of 26+ vehicles through the DMV. SR-22 required for three years after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in South Carolina, consult the official source at https://www.doi.sc.gov/. State minimums change periodically; verify current law before relying on these figures.