Last updated: August 2023

North Charleston, SC Auto Insurance

Settling in North Charleston was great for your wallet—good food, plenty to do, and all for moderate prices. Plus, you can reach forests, mountains, and beaches with relatively moderate drives. But before you head out to enjoy all that South Carolina has to offer, make sure you and your car are protected with cheap auto insurance.

Since 1991, we’ve helped people find the right coverage to match their needs, no matter what their credit or insurance histories look like. So, if you’re looking for great cheap car insurance in North Charleston, SC, call Direct Auto.

North Charleston, SC Minimum Car Insurance Requirements

South Carolina auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in South Carolina are 25/50/25, and they help cover bodily injury and property damage claims from an accident you cause. South Carolina also requires all drivers to carry uninsured motorist coverage at the same minimum limits as liability coverage.

Still wondering what your policy needs to make sure you’re complying with South Carolina insurance laws? Here’s a breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Yes for UM. $25,000 UM bodily injury per person/$50,000 UM bodily injury per accident. $25,000 UM property damage liability. UM property damage in South Carolina comes with a $200 deductible.

UIM not required. Insurers must offer UIM, but you can reject it in writing.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Your lender may require these coverages if you lease or finance your vehicle.

North Charleston, SC Proof of Financial Responsibility & Penalties

Every South Carolina driver is required to have proof of financial responsibility to drive legally. If you’re caught driving without insurance, you could lose your license, lose your registration, and face fines.

Drivers must always carry proof of insurance and must be able to present proof of insurance upon request, such as during a traffic stop, at an accident scene, etc. You can do so by showing your physical ID card or downloading an electronic copy to your mobile device.

If your insurance policy is canceled or lapses, your insurer will notify the South Carolina Department of Motor Vehicles. You’ll then have 20 days to verify your coverage, or you’ll face the penalties above and have to pay up to $400 to have your driving privileges reinstated. If you receive a ticket for driving without insurance, you’ll have to pay a $600 uninsured motorist fee and will be subjected to SR-22 requirements for three years.

SR-22 Insurance in North Charleston, SC

Some high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Every state has its own SR-22 laws, but you might be required to keep one on file if:

  • You were ticketed for driving without insurance.
  • You were convicted of a DUI/DWI.
  • You were driving with a revoked or invalid license.

If you need an SR22 filed to demonstrate financial responsibility compliance or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping people find affordable car insurance coverage, regardless of their history. Give us a call today for a free quote.

South Carolina Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, some cities have busy traffic and others offer quiet streets with far fewer accidents. But no matter what city you call home in the Palmetto State, we’re here to help you get covered.

Charleston, SC, Auto Insurance

Columbia, SC, Auto Insurance

Mount Pleasant, SC, Auto Insurance

Rock Hill, SC, Auto Insurance

Other South Carolina Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT or visit our nearest Direct Auto location. For common questions, you can also consult our FAQs page.

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