South Carolina Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of South Carolina is $25,000 for injury, $50,000 for all injuries, and $25,000 in property damage. Commonly referred to as 25/50/25 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
Failure to provide proof of insurance will result in a citation and possible jail time, at an accident or during a traffic stop.

If issued a citation, the driver will be required to send proof of insurance to the DMV within 30 days or have their license suspended indefinitely.

DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

Below is a list of violations and their corresponding point values:

The following are 2 point violations:

  • Failure to dim lights
  • Improper backing
  • Speeding no more than 10 mph above the limit
  • Improperly changing lanes
  • Dangerous parking
  • Improper lights
  • Driving in the wrong lane
  • Having a defective tail light
  • Driving at least 10 mph too fast for conditions
  • Driving in unsafe conditions

The following are 4 point violations:

  • Failing to yield right-of-way
  • Speeding more than 10 mph above the limit but less than 25 mph above
  • Failing to give a signal for stopping, turning or suddenly decreasing speed
  • Following too closely
  • Illegal turning
  • Illegal passing
  • Improper brakes
  • Improper or no signal
  • Operating on the wrong side of the road
  • Driving within or through a safety zone
  • Ignoring approaching train signal
  • Ignoring railroad signal/sign
  • Ignoring traffic director
  • Ignoring any traffic device

The following are 6 point violations:

  • Reckless driving
  • Passing a stopped school bus
  • Speeding more than 25 mph above the limit
The state of South Carolina will suspend a driver’s license once point totals reach twelve.

The duration of the suspension is determined by the number of points:

  • 12-15 points = 3 months
  • 16-17 points = 4 months
  • 18-19 points = 5 months
  • 20+ points = 6 months

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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