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If the place you call home is anywhere across the Palmetto state, you’re in luck! SafeAuto provides cheap auto insurance in South Carolina that fits your life and budget while maintaining the coverage that meets South Carolina’s minimum requirements for an auto policy. Whether you reside in one of South Carolina’s small towns or one of South Carolina’s largest cities, SafeAuto has got you covered with an affordable car insurance policy with 24/7 access to our customer service team. Start your fast and free auto insurance quote online, and join the SafeAuto family today!

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Required Minimum Auto Insurance Coverages In South Carolina

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as four amounts separated by slashes written as 25/50/25 or 25,000/50,000/25,000

South Carolina’s law requires you to maintain liability limits of at least:

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one (1) person in any one (1) accident.

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two (2) or more persons in any one (1) accident, subject to the $25,000 per person limit.

  • $25,000 | Property Damage

    The maximum amount that your policy will pay for injury to or destruction of property of others in an accident.

Proof of Financial Responsibility & Penalties

Under South Carolina law, you are required to provide documentary proof of Financial Responsibility in the following circumstances:

  • At the request of a law enforcement officer at the time of an accident or traffic stop
  • When registering a vehicle
  • To obtain a driver's license or learner's permit

To ensure drivers continue to meet the Financial Responsibility requirements, South Carolina requires insurance companies to provide the South Carolina Department of Motor Vehicles with a monthly report listing the Vehicle Identification Number (VIN) of each vehicle covered by policies currently in effect.

Penalty for Failure to Comply with South Carolina's Financial Responsibility Requirements:

Failure to maintain proper insurance could lead to the suspension of your vehicle registration. If your liability insurance is canceled or expires, you must return your vehicle's license plate and registration to the DMV or reinstate your coverage. Otherwise, you may be subject to a reinstatement fee of $200 and a $5 penalty for each day the vehicle was uninsured or the plate(s) was not turned in. The maximum penalty for the first offense is $400 per vehicle.

Certificate of Financial Responsibility (SR-22):

An SR-22 is a certification of future proof of Financial Responsibility issued by your insurance company to the DMV providing proof that you purchased liability insurance. The following circumstances may require a person to have an SR-22:

  • To reinstate a suspended license after a Driving Under the Influence (DUI) conviction
  • To reinstate a suspended license after conviction for driving on a suspended license (except suspension for failure to pay a traffic ticket)
  • To reinstate a suspended license after conviction for driving uninsured

If you are required to maintain a certificate of Financial Responsibility, your insurance company must provide the DMV with at least ten (10) days notice before termination.

SafeAuto will only issue a South Carolina SR-22 to South Carolina residents.

Avoiding Suspension:

A Financial Responsibility suspension may be avoided by the return of the registration plate, sticker and card to your local DMV branch. You may be eligible for a registration refund if you have paid for a full year of registration that you will not use. You may apply for a refund in person or by mail.


SafeAuto offers affordable South Carolina car insurance throughout the entire Palmetto state! If you are looking for more car insurance information in a specific city across the state of South Carolina, more material can be found below.

Related South Carolina Insurance Requirement Information:

South Carolina Department of Motor Vehicles

If you have any further car insurance questions please visit our FAQ page or contact the SafeAuto Customer Service Department at