Auto Insurance in South Carolina: What Every Driver Must Know in 2025

If you drive in South Carolina, having auto insurance is a must. It protects you, your car, and others on the road. In 2025, some things are new and important to know. Rules may change, and prices may go up or down. That’s why it's smart to stay informed.

This guide shares what every South Carolina driver should know. It’s simple, clear, and right to the point.

Why Auto Insurance in South Carolina Is Important

Auto insurance in South Carolina helps cover costs after an accident. It keeps you from paying big bills all by yourself. The state also requires you to have a minimum amount of coverage.

If you are caught without insurance, you could face fines, license suspension, or even jail time. That’s not worth the risk.

What’s the Minimum Coverage in 2025?

In South Carolina, the state requires these minimum amounts in 2025:

• $25,000 for injury per person
  
  

• $50,000 total injury per accident
  
  

• $25,000 for property damage

This is often called 25/50/25 coverage. These limits help in small accidents. But for big ones, they may not be enough.

What Happens If You Don't Have Enough Coverage?

Let’s say you cause a crash, and the costs go over your policy limits. You will have to pay the rest from your pocket. That’s why many drivers choose more than the minimum coverage.

For example, a car accident that causes injuries can cost over $100,000. Your policy should be able to help in that case.

Types of Coverage You Can Add

Besides the minimum, you can add more options. Some common ones include

• Collision: Pays for damage to your car, even if it’s your fault.
  
  

• Comprehensive: This covers other damage, like theft, fire, or weather.
  
  

• Uninsured Motorist: This helps if the other driver has no insurance.
  
  

• Medical Payments: Helps pay for doctor or hospital bills.

Adding these may cost more. But they also help you feel safe on the road.

Car Insurance Rates in South Carolina

Many drivers ask, “How much will it cost?” Well, car insurance rates in South Carolina depend on many things:

• Your age
  
  

• Your driving record
  
  

• The type of car you drive
  
  

• Your ZIP code
  
  

• Your credit score

For example, a 40-year-old with a clean record may pay around $90 per month. A teen driver may pay more than $250 per month.

Tips to Lower Car Insurance Rates

Want to save money? Here are some easy tips:

1. Keep a clean driving record.
   
   

2. Bundle your home and auto insurance.
   
   

3. Ask for discounts. Many companies give them for safe driving, good grades, or low mileage.
   
   

4. Raise your deductible. A higher deductible often means lower monthly payments.
   
   

5. Compare quotes. Don’t settle for the first price. Shop around and see your options.

Even saving $20 a month adds up to $240 a year!

How Often Should You Check Your Insurance?

Check your insurance once a year. Rates change. You may qualify for better deals. You might also need more or less coverage. Life changes, and so should your plan.

South Carolina SR-22 Requirements

Some drivers must file an SR-22 form. This is not insurance. It’s a form your insurer files with the state. You may need it if:

• You had a DUI
  
  

• You were caught driving without insurance
  
  

• You caused an accident while uninsured

It proves you have the required insurance. If you cancel your policy, the state will know.

What to Do After a Car Accident in South Carolina

Here’s what you should do:

1. Stop and make sure everyone is okay.
   
   

2. Call 911 if needed.
   
   

3. Exchange info with the other driver.
   
   

4. Take pictures of the damage and the scene.
   
   

5. Call your insurance company.

Even small crashes should be reported. They may not look bad at first, but damage can show up later.

Buying a New Car? Don’t Forget Insurance

Before driving off the lot, make sure you have auto insurance in South Carolina. Some dealers will not let you drive away without proof.

Also, new cars may need more coverage, like full collision and comprehensive. This protects your new ride from major repair costs.

Does Credit Score Matter?

Yes. In South Carolina, your credit score can affect your rate. Better credit can mean lower payments. To help your score:

• Pay bills on time
  
  

• Keep credit card balances low
  
  

• Check your credit report for errors

Improving your score can help lower your insurance costs.

Conclusion

Auto insurance in South Carolina is more than just a legal need. It gives you peace of mind. In 2025, knowing your options can help you stay safe and save money.

Compare plans, check your coverage, and keep your policy updated. And when in doubt, My Insurance Corner is here to help.

Drive Smart, Save Big. Let My Insurance Corner Help You Find the Best Auto Insurance in South Carolina

Finding good, low-cost auto insurance in South Carolina doesn’t have to be hard. My Insurance Corner helps drivers like you make smart choices every day. Get quotes. Compare prices. And make sure you’re fully covered.

Get started now. Your next smart move is just one click away.

FAQs

1. Is auto insurance required in South Carolina?
Yes, all drivers must carry auto insurance in South Carolina. The state requires minimum liability coverage of 25/50/25. Driving without insurance can lead to fines and license suspension.

2. How much is auto insurance in South Carolina per month?
Most drivers pay between $90 and $140 per month. Rates depend on age, car type, and driving history. Young drivers usually pay the most.

3. Can I drive without insurance if I pay a fine?
No, you must have valid auto insurance to drive legally. Paying a fine does not make it okay to drive uninsured. You could also lose your license or face jail time.

4. What’s the best way to get cheap auto insurance in South Carolina?
Start by keeping a clean driving record. Compare quotes from different companies. Ask for discounts like safe driver or multi-car deals.

5. Does South Carolina allow usage-based insurance?
Yes, some companies offer usage-based insurance plans. These track your driving habits through a phone app or device. Safer drivers often get lower rates.