Understanding the Auto Insurance Requirements for Drivers in South Carolina

At the David W. Martin Law Group, we believe that every driver should be aware of South Carolina’s vehicle insurance requirements. Knowing these requirements helps protect you and others in the event of an accident, as well as ensuring compliance with the law.

Auto Insurance Requirements

Minimum Liability Coverage

All drivers in South Carolina are required by law to maintain a minimum level of liability insurance coverage. According to the most recent standards, drivers need to have at least:

$25,000 for bodily injury or death per person
$50,000 in total for any accident involving bodily harm or death
$25,000 for property damage per accident
Known as “25/50/25” coverage, this insurance is intended to cover other people’s property damage and injuries in the event that the insured motorist is found to be at fault.

Uninsured Motorist Coverage

Drivers in South Carolina are required to carry uninsured motorist coverage in addition to liability insurance. If you are in a collision brought on by an uninsured or underinsured motorist, this coverage will protect you. The minimum coverage amounts for liability insurance and uninsured motorist coverage are the same.

Penalties for Failing to Comply with Insurance Requirements

In South Carolina, there are severe penalties for not having the minimum amount of auto insurance necessary. If discovered to be uninsured, drivers risk penalties, license rsuspension, and possibly having their cars impounded. Furthermore, drivers without insurance run the risk of being held personally accountable for any losses or injuries they cause in an accident, which could have serious financial repercussions.

The Importance of Proper Coverage

Even though having the bare minimum of insurance is required by law, it might not always be enough to cover you in the event of a major accident. We advise drivers who want to protect themselves against unanticipated events to think about getting more coverage beyond what is required by law.

Advice and Assistance

It can be difficult to understand South Carolina’s laws for auto insurance, but you don’t have to do it alone. The David W. Martin Law Group’s legal staff is available to offer knowledgeable counsel and support. We are committed to fighting for your rights and assisting you in getting the compensation you are due, whether you have inquiries concerning insurance coverage, require assistance submitting a claim, or are dealing with legal difficulties following an accident.

Avoid waiting until the last minute. Make sure you have the right insurance coverage to safeguard you and your loved ones while driving by getting in touch with us immediately to arrange a consultation. Our priority is your safety and comfort.


Message Us


Call today to be our next satisfied legal client.

David W. Martin Law Group

Fort Mill Office

108 Springs Street
Fort Mill, SC 29715-1722

Indian Land Office

1061 Red Ventures Drive, Suite 145
Fort Mill, S.C. 29707

Greenville Office

910 E. North Street
Greenville, SC 29601

Spartanburg Office

324 East St. John Street, Suite F-2
Spartanburg, SC 29302

Rock Hill Office

331 Oakland Avenue
Rock Hill, SC 29730

Bluffton Office

110 Trader’s Cross, 1st Floor
Bluffton, SC 29909

Myrtle Beach Office

2411 N. Oak Street, Suite 301-M
Myrtle Beach, SC 29577

Mt. Pleasant Office

1240 Winnowing Way,
Suite 102 Office 1120
Mt. Pleasant, SC 29466

Columbia office

1501 Main Street,
Suite 507, Columbia, SC.

Contact Us

Text Us