Minimum Car Insurance Requirements in SC 2026
South Carolina law requires at minimum: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 in property damage (known as 25/50/25). Uninsured Motorist coverage is also mandatory. These are the legal minimums, but experts recommend broader coverage to protect your assets in serious accidents.
How Much Does Car Insurance Cost in Greenville, SC?
The average cost of car insurance in South Carolina is approximately $1,400 per year for minimum coverage, and between $1,800 and $2,600 for full coverage. In Greenville, prices vary based on your driving history, vehicle age, credit score, and zip code. Drivers with a clean record can find significantly lower rates by comparing insurers.
How to Save on Car Insurance Without Sacrificing Coverage
There are several strategies to lower your premium: bundle your car and home insurance (multi-policy discount), raise your deductible, maintain a clean driving record, and compare quotes from at least 3 insurers. At Carolina Brokers we work with top carriers — Progressive, Nationwide, Liberty Mutual, GEICO, and more — to find the best option for you at no charge for the comparison.
Do You Need Insurance Even Without a SC License?
Yes. If you drive in South Carolina, regardless of your immigration status or license type, you need insurance. Some drivers without a SC license can insure their vehicles with special policies. At Carolina Brokers we help you find insurance options suited to your situation, whether you have a foreign license or are in the process of obtaining a South Carolina one.