SOUTH CAROLINA AUTO INSURANCE GUIDE
Required Auto Insurance, Mandatory UM & 25/50/25 Limits in South Carolina
South Carolina requires automobile liability insurance with minimum limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more persons in one accident, and $25,000 for property damage. Uninsured-motorist coverage is mandatory at least at statutory minimum levels.
- Confirm the declarations page, covered vehicle and actual liability limits.
- UM coverage is mandatory; UIM coverage is optional but must be offered as required by statute.
- Investigate household, employer, commercial, umbrella and excess coverage when additional policies may apply.
Primary South Carolina Sources
- S.C. Code Title 38, Chapter 77 — Automobile Insurance
- S.C. Code Title 56, Chapter 9 — Financial Responsibility
Current-law review: September 17, 2026. Confirm actual policy limits and optional-coverage elections.
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