Car Insurance in South Carolina

South Carolina Auto Insurance Information

South Carolina requires drivers to carry a minimum amount of car insurance coverage. Whether you live in Columbia, Charleston or anywhere else in the state, it’s important to have the right car insurance in South Carolina to keep you and your family safe on the road.

Since 1984, AARP members and their families have chosen The AARP^® Auto Insurance Program from The Hartford¹ for the car insurance they need. Throughout this time, The Hartford has earned a reputation for integrity and trust. That’s why our customers have consistently given The Hartford high ratings for our car insurance claim service.

Required South Carolina Car Insurance Coverages

South Carolina, like many states, has state minimum coverage requirements for property damage and bodily injury car insurance coverage. When you get car insurance in South Carolina, you’ll need these minimum liability limits:²

Property damage liability: $25,000 per accident
Bodily injury liability: $25,000 per person, $50,000 per accident
Uninsured motorist bodily injury: $25,000 per person, $50,000 per accident
Uninsured motorist property damage: $25,000 per accident

The cheapest car insurance will be the state minimum, but South Carolina drivers may also need additional coverage. These auto coverages are also available:

Car Insurance Benefits Offered to South Carolina Drivers

We know you want to have the best car insurance. In SC, drivers can receive valuable discounts and benefits for AARP members from the AARP Auto Insurance Program from The Hartford, including:

New Car Replacement:^§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
Accident Forgiveness:^‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
Disappearing Deductible:^‡ We’ll reduce your collision deductible on your South Carolina auto insurance over time, as long as you maintain a clean driving record.
24/7 Claim Service: Our representatives are available 24/7 every day at 877-805-9918 to help guide you through the claims process.
Home Insurance Bundling Discount:** Bundle home and auto insurance with The Hartford and save.

Car Insurance Quotes in SC

AARP members can receive discounts on car insurance coverage in South Carolina. Learn more by calling our representatives at 888-413-8970. They can discuss average rates and driver discounts with you and help you find the best rate in South Carolina. Get a free car insurance quote for SC drivers from us today.

Commonly Asked Questions About Car Insurance in South Carolina

How Much Is Car Insurance in SC?

The average price of auto insurance in South Carolina is $1,532. You can compare this to the national average car insurance cost of $2,014.⁴

Does South Carolina Require Car Insurance?

Yes, to drive legally in SC, you’ll need to buy auto liability and uninsured motorist coverage.

If you plan on switching car insurance companies, make sure you don’t have a lapse in car insurance coverage.

Is it Illegal to Drive Without Insurance in SC?

In South Carolina, you must buy the minimum amount of insurance required by state law to drive legally, including liability coverage. However, if you need to insure a car and you don’t have a license, you can still contact your insurance company and get car insurance with no license.

What Laws Impact Teen Drivers in South Carolina?

South Carolina has graduated licensing laws to make sure young drivers gain the experience they need to be safe behind the wheel. These laws limit nighttime driving and restrict other teens from being passengers in their car. They also ensure teen drivers in South Carolina get an adequate amount of supervised driving practice.

Get a Quote for Auto Insurance in South Carolina

It’s easy to get a quote from The Hartford for car insurance in South Carolina. Simply call our representatives at 888-413-8970 or get a car insurance quote online.

Last Updated: October 5, 2023

² South Carolina Department of Insurance, "Automobile Insurance."

³ Governors Highway Safety Association, "State Laws."

⁴Bankrate, “Average cost of car insurance in South Carolina for 2023”