Updated April 2026
Minimum Coverage Requirements in South Carolina
South Carolina mandates minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, at-fault uninsured accidents, license suspensions for points, or habitual offender status must file SR-22 proof of financial responsibility with the South Carolina Department of Motor Vehicles for typically 3 years. Uninsured motorist coverage is required at the same 25/50/25 limits unless you decline it in writing, making it particularly important for high-risk drivers facing premium increases who still need protection from other uninsured drivers.
How Much Does Car Insurance Cost in South Carolina?
High-risk drivers in South Carolina pay substantially higher premiums due to violation severity, filing requirements, and carrier availability. A DUI conviction typically increases rates by 80–150%, while at-fault accidents or lapses add 40–80%. Non-standard carriers dominate this market, and rates vary widely based on whether you need minimum liability with SR-22 or full coverage with a lien.
What Affects Your Rate
- Type of violation: DUI convictions increase rates more than license suspensions for points
- Time since violation: rates decrease 10–20% per year after the first year if no new claims occur
- Lapse history during SR-22 period: any lapse restarts the clock and adds 20–40% to premiums
- Carrier availability: South Carolina has fewer non-standard carriers in rural counties, limiting competition
- Credit-based insurance score: South Carolina allows credit scoring, which compounds high-risk surcharges for drivers with poor credit
- Vehicle type and value: full coverage on vehicles worth over $15,000 can double total premium cost for high-risk drivers
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Sources
- South Carolina Department of Motor Vehicles - SR-22 Requirements
- South Carolina Department of Insurance - Minimum Coverage Laws
- South Carolina Code of Laws Title 56 - Motor Vehicles