South Carolina Minimum Auto Insurance Requirements (2026): Is It Mandatory?

Is Auto Insurance Mandatory in South Carolina?

Yes. In South Carolina, all registered drivers must carry minimum liability coverage to drive legally on public roads.

Minimum Required Limits in SC (25/50/25 Law):

• $25,000 for bodily injury per person in an accident.
• $50,000 total bodily injury per accident (two or more persons).
• $25,000 for property damage per accident.
• Uninsured Motorist Coverage: Mandatory in SC matching the 25/50/25 limits.

Why Minimum Coverage Might Not Be Enough

With modern vehicle repair costs and medical bills, a major accident can quickly exceed $25,000. At Smart Shield Insurance, we recommend 50/100/50 or 100/300/100 limits, plus Comprehensive & Collision to protect your vehicle against collision, theft, hail, and vandalism.

Official Sources & Regulatory Guidelines:

• South Carolina Department of Motor Vehicles (SCDMV)
• South Carolina Department of Insurance (SCDOI)

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