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Car Insurance
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South Carolina requires all vehicles be covered by liability insurance. Current insurance requirements are minimum coverage of 25/50/25. Simply put, that means you must have at least:
- $25,000 per person for bodily injury coverage
- $50,000 per accident
- $25,000 for personal property
When you apply for your South Carolina driver's license, you must present proof of insurance before your license can be issued. If you, or your household, do not own a car, check the appropriate box on your application.
If you are caught driving without insurance, you will be issued a ticket immediately and you may even be arrested and jailed.
You have 15 days from getting a ticket or from being involved in an accident to provide proof of insurance. If you fail to do so, your license can be suspended indefinitely.
Insurance Cancellation
If your insurance is canceled for lack of payment, or any other reason, the insurance company must contact the Department of Motor Vehicles (DMV).
You will receive notice to update your insurance information with the state or to surrender your vehicle registration and license plate to the DMV. If you ignore or refuse to do so, your license and your registration will be suspended. The reinstatement fee can be as high as $400.
