South Carolina auto insurance

Drivers in the Palmetto State enjoy picturesque landscapes while traveling historic roads. They can also enjoy dependable and affordable car insurance in South Carolina with Progressive. Learn more about South Carolina's car insurance requirements, and see what coverages and discounts are available with us.

3 min to read

What are South Carolina's car insurance requirements?

South Carolina requires liability coverage, as well as uninsured motorist coverage with the following minimum limits:

Coverage	What it covers	Amount
Bodily injury liability	What it coversInjuries you cause to someone else in an accident.	Amount$25,000 per person $50,000 per accident
Property damage liability (PD)	What it coversDamage you cause to someone else's property while driving, such as a vehicle.	Amount$25,000 per accident
Uninsured motorist bodily injury coverage (UMBI)	What it coversInjuries you and your passengers suffer if a driver without insurance coverage runs into you.	Amount$25,000 per person $50,000 per accident
Uninsured motorist property damage coverage (UMPD)	What it coversDamage to your vehicle and other property caused by an uninsured driver.	Amount$25,000 with a $200 deductible

Additional coverages to consider if you live in South Carolina

If you own your car outright, comprehensive and collision coverages are optional, but they can help pay to repair or replace your vehicle if it's damaged or stolen. If you're leasing a car or have an auto loan, your lender will likely require you to carry these coverages. See all the different types of car insurance coverages available.

We think safe drivers should be rewarded. Snapshot® from Progressive personalizes your rate based on your driving habits. See how Snapshot could help lower your rate.

What's the average cost of car insurance in South Carolina?

In 2021-2022, South Carolinians paid an average of $134 per month for a liability-only auto policy (single driver/single car) from Progressive.^* Rates vary based on several factors such as your driving history, ZIP code, and coverage selections.

See more about car insurance cost factors.

How can I lower my car insurance rate in South Carolina?

Progressive offers many ways to lower your insurance rates with a variety of discounts, including:

Loyalty-based discounts

Our continuous insurance discount rewards the time you spent with your previous insurer when you switch to Progressive. Plus, when you bundle home and auto insurance with us (or any two Progressive policies), you'll earn a multi-policy discount. Learn more about Progressive homeowners insurance in South Carolina.

Driver-based discounts

Homeowners earn an automatic discount. And if you have a teenage driver who's 18 or younger on your policy, we'll give you a teen driver discount to help you save more.

Quote & buy discounts

Paying for your policy upfront will earn you our paid in full discount. And quoting online is another easy way to earn a discount.

See all car insurance discounts.

Pro tip:

Are you thinking about switching car insurance? Drivers nationwide who switch and save with Progressive save nearly $750 on average.^** Get your customized car insurance quote now.

How windshield repair claims work in South Carolina

South Carolina requires insurers to offer a zero-dollar deductible on windshield repairs. This means that no deductible is charged when you file a claim to replace your windshield, as long as you have comprehensive coverage and meet all coverage requirements. Learn more about glass and windshield damage.