South Carolina Auto Insurance Quotes

Whether you’re stationed around Charleston or just love beaches, the Palmetto State is a great place to live, work and drive. When doing so, it’s important to remember that SC requires liability auto insurance on all registered vehicles, regardless if they’re currently driven or not. Maintaining such coverage is not just legal, it’s the only way to save money later on if you get into an accident, and with cheap online South Carolina auto insurance quotes and a few tips, staying insured will be a piece of cake.

Minimum Requirements

South Carolina requires that drivers carry not only liability insurance, but also uninsured motorist coverage, which covers expenses in the case of an accident involving motorists without the proper coverage. Liability limits are $25,000 minimum coverage for one person’s bodily injuries up to $50,000 for all bodily injuries in a single accident. Property damage is to be covered by a minimum of $25,000. Personal injury protection is not required.

South Carolina Penalties

Driving uninsured in SC carries bitterly strict penalties. State monitored checks mean that drivers who cancel insurance must either provide proof of a new carrier and valid policy, or give up their license plates. Failure to follow this guideline results in license and registration suspensions, with accompanying $400 reinstatement fees.

Failure to provide proof of insurance at traffic stops or within 30 days of citations result in indefinite suspensions, and $100-$500 reinstatement fees, penalties which are easily avoidable with low online SC auto insurance quotes.

Tort State

SC is one of many tort states. If you are found to be at fault for causing an accident, you are responsible for paying other drivers’ and victims’ expenses. You can also be sued in civil court for damages incurred.