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South Carolina’s minimum car insurance coverage requirements

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state.  The following is a breakdown of minimum liability requirements for South Carolina:

Is it mandatory to have car insurance in South Carolina?


What are the minimum limits for South Carolina? 

$25,000 bodily injury per person 
$50,000 bodily injury per accident 
$25,000 property damage per accident



Dairyland® coverage in South Carolina

At Dairyland, we’re proud to be able to help drivers in South Carolina meet their insurance needs. Here are some of the parameters of our insurance coverage in South Carolina:

What is the maximum bodily injury liability and property damage limit Dairyland offers in South Carolina?

$100,000 bodily injury per person 
$300,000 bodily injury per accident 
$100,000 property damage per accident



What liability coverages are required to be offered in South Carolina? Can a customer reject them?

Bodily Injury, Property Damage, and Uninsured Bodily Injury and Property Damage are required. Underinsured Bodily Injury and Property Damage must be offered, but they can be rejected.

What are all the coverages Dairyland offers in South Carolina?

  • Comprehensive
  • Collision
  • Lienholder Deductible
  • Medical Payments
  • Rental Reimbursement
  • Roadside Assistance
  • Special Equipment
  • Towing and Labor
  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

What’s the oldest a vehicle can be to get Dairyland’s comprehensive and collision coverage in South Carolina?  

20 years 

How far back does South Carolina go to look at violation history?  

3 years

What additional policy types are offered in South Carolina?  

Named Non-Owner

Is an insurance score used in my rating in South Carolina? If so, is it mandatory?

 An insurance score is used in South Carolina. It’s mandatory, per the DOI.

What policy terms does Dairyland offer in South Carolina?  

6 months

What is Dairyland’s minimum down payment option in South Carolina?  


Are SR22s used in South Carolina?  If so, is there a fee assessed by Dairyland? Is it filed electronically? 

SR22s are used in South Carolina, filed electronically free of charge.

What discounts are available from Dairyland in South Carolina?

  • Advanced quote
  • Defensive driver course
  • Homeowners
  • Multi-car
  • Paid in full
  • Prior insurance
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