Skip the auto shop - Our mechanics make house calls
  1. Home
  2. Articles
  3. Insurance Requirements for Car Registration in South Carolina

Insurance Requirements for Car Registration in South Carolina

Insurance Requirements for Car Registration in South Carolina

The state of South Carolina requires that all drivers carry liability insurance, or “financial responsibility,” on their vehicles in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for South Carolina drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

You also need to carry two types of uninsured or under-insured motorist coverage, which pays for specific costs related to an accident that involves a driver who does not carry the required legal insurance.

  • A minimum of $25,000 per person, for bodily injury or death in uninsured or under-insured motorist coverage. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $25,000 for property damage in uninsured or under-insured motorist coverage

This means that the total minimum amount of financial responsibility you will need is $150,000 to cover bodily injury or death, property damage liability and uninsured motorist coverage.

Uninsured motorist registration

Alternatively, if you do not wish to carry insurance on your vehicle, you may register with the South Carolina Department of Motor Vehicles as an uninsured motorist. You must pay an annual fee of $550 to do so. You will be held liable for any damages or injuries that occur in an accident that is your fault.

In order to register, you must meet a set of specific criteria that includes:

  • A valid driver’s license that has been valid for at least three years.

  • All other drivers in your household must also have held a valid license for three years.

  • You may not be under a current requirement to file an SR-22 document.

  • You have not have been convicted of DUI, reckless driving, or other moving violations within the last three years.

Proof of insurance

You must show your proof of insurance, or your copy of approved application as an uninsured motorist at any traffic stop, or at the scene of an accident.

When you register a vehicle, the South Carolina Department of Motor Vehicles will electronically verify your insurance, so you do not need to have proof of insurance with you.

Violation penalties

If you do not have proof of insurance to show an officer at a traffic stop or at the scene of an accident, you may be given a ticket, or be issued a fine. You could also face imprisonment. If you do not provide proof of insurance within 30 days, you may face a suspension of your driver’s license.

If you are caught driving without valid insurance, you may face the following penalties:

  • Suspension of driver’s license and vehicle registration

  • $200 reinstatement fee

  • An additional fine of $5 per day for every day that you drove without insurance, up to $200.

For more information, contact the South Carolina Department of Motor Vehicles through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Veteran and Military Driver Laws and Benefits in Idaho
The state of Idaho offers a number of benefits and perks for those Americans who have either served in an Armed Forces branch in the...
How to Avoid Back Pain in a Car
If you have back problems, sitting in a car for an extended period of time can be excruciating. Even without back problems, you could experience discomfort and soreness from...
P2422 OBD-II Trouble Code: Evaporative Emissions Control System (EVAP) Vent Valve Stuck Closed
Diagnostic Trouble Code (DTC): P2422 P2422 code definition Evaporative Emissions Control System (EVAP)...


Related questions

Q: Flooded car please help, potential damage? write off?

When the under vehicle got soaked and sat in the water the brakes tend to lock up after that if you had the parking brake on and then when you go to release it the rear drum brakes may stick...

Q: Is it Legal to Drive With a Damaged or Missing Mirror?

According to the California Vehicle Code, Section 26709, every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors that reflect to the driver a view of the highway for a distance...

Q: what would be the average cost to own my vehicle over a ten year period

Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....