South Carolina (SC) Insurance Law



This is a copy of the Law as it was when posted. We believe it to be accurate and complete, but we make no guarantees or warrantees. If you know there to be a mistake in what is posted here, please inform us of such by clicking here.



South Carolina Car & Motorcycle Insurance

  • Liability Required? NO (If purchased however, must meet minimum requirements)
  • Personal Injury Protection Required? NO
  • No Fault State? NO
  • Uninsured Motorist Coverage Required: YES

Required Minimum Bodily Injury Coverage

  • $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $10,000 for injury to or destruction of property of others in any one accident

Required Uninsured (UM) and Underinsured Motorist (UIM) Coverage

  • South Carolina requires vehicle owners to purchase UM coverage of at least the amount required for bodily injury liability coverage. South Carolina also requires the UM coverage to include $10,000 for property damage.

Optional Coverage

  • Additional Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage. In addition to the mandatory UM coverage, insurance companies must offer optional UM coverage up to the limits of the insured’s bodily injury liability coverage. They must also offer UIM coverage up to the limits of the insured’s bodily injury liability coverage.

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