South Carolina, your great state is known for charming beaches and distinctive Lowcountry cuisine. Now it can be known for auto insurance that’s fair, simple, and affordable, too. With Root, if you’re a safe driver, you’ll pay up to 52% less for car insurance. So you can enjoy every one of those 187 miles of coastline just a little more.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Palmetto State.
Since South Carolina is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be affordable and easy for the best drivers of the Palmetto State—from Greenville to Rock Hill, Columbia to Charleston, and all points between (we’re looking at you, Goose Creek).
To legally operate a vehicle in South Carolina, you must carry liability insurance and uninsured motorist coverage. If you’re found driving without it, you could face a fine, license suspension, or imprisonment. Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
Uninsured motorist insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who does not have car insurance. Keep in mind that a registered uninsured driver who causes an accident must pay for damage or medical costs out-of-pocket. This type of uninsured driver is not covered by uninsured motorist coverage.
You can always opt for higher limits if you want more coverage.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include:
If you’re a registered uninsured motorist, you must show your copy of your approved application.
Learn all about Root’s coverage options here:Our Coverages
If you don’t have proof of your South Carolina car insurance during a traffic stop, you could be given a ticket and face a fine or even imprisonment. Once the citation is issued, you must provide proof of insurance to the South Carolina Department of Motor Vehicles (SCDMV) within 30 days, or your driver's license can be suspended. If you’re insured with Root, you can avoid that hassle. As long as you’ve got your phone, you have legal proof through the Root app.
The SR-22 form, also referred to as SR22 insurance, is a form filed by your car insurance company that guarantees you will maintain coverage for a specific period of time. (Root does this for free.) In South Carolina, an SR-22 is required to have your license reinstated after any of these violations:
The length of time you must have the SR-22 varies depending on the type of offense and the number of offenses you have.
You must have valid auto insurance to register your car in South Carolina. The SCDMV will verify your coverage electronically when you give them the name of your insurer, so you don’t need to show proof of insurance. The SCDMV is notified when a policy is canceled or suspended. You’ll be notified if your policy is no longer valid. Insurance policies can be canceled:
If you receive a notice that your insurance has been canceled, you must update the SCDMV with your valid, current insurance information within 20 business days to avoid suspension of your driving privileges. If you don’t have valid auto insurance, your driver's license and vehicle registration will be suspended and you may have to pay reinstatement fees:
The average South Carolinian pays $1,286 2 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $100/month on average.