States
South Carolina minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
South Carolina minimum: 25/50/25 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
South Carolina writes both rules into the same chapter. Section 38-77-140 sets $25,000 for one person, $50,000 for two or more and $25,000 for property, and section 38-77-150 says no policy may be issued without an uninsured motorist provision, which must include at least $25,000 for property, with an optional $200 exclusion. Title 56, Chapter 10 handles lapses. Registration and plates are suspended until proper proof is provided and a $200 reinstatement fee is paid, and a per diem fine of $5 is added under section 56-10-245. Someone who wilfully fails to return the plates and registration commits a misdemeanor, with $100 to $200 or 30 days for a first offense. Chapter 77 also names the SR-22 as a mandatory filing a government authority can require, though we did not read a period for it. Giving false evidence of insurance is a misdemeanor as well.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in South Carolina
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for South Carolina.
What else we read for South Carolina
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Every policy must carry an uninsured motorist provision, including at least $25,000 for property (S.C. Code 38-77-150). | official text |
| Penalties | Registration and plates suspended until proof and a $200 reinstatement fee; a person who wilfully fails to return them faces a misdemeanor with a first fine of $100 to $200 or 30 days (S.C. Code Title 56, Chapter 10). | official text |
| SR-22 or similar filing | The insurance title names the SR-22 as a mandatory filing by a governmental authority, without setting a period in the passages we read. | official text |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.