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Better rates for better drivers in South Carolina

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Fair car insurance in South Carolina

From Columbia to Charleston and Myrtle Beach to Greenville, car insurance in South Carolina just got more affordable with Root. Download the Root app, complete the test drive, and then see what you’ll save on your car insurance quote. If you’re a good driver in SC, you could get quality auto insurance and save hundreds.

How it works

Traditional car insurance companies base your rate on your demographic data, like your age, marital status, income, and ZIP code. At Root, we know that’s not a fair way to offer car insurance. That’s why we base your auto insurance rate primarily on how you drive, not who you are. And that could mean a low rate if you’re a good driver.

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Visit the App Store or Google Play. Sign up in less than a minute.

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Drive around

We use your smartphone to measure your driving behavior. Better driving = more savings.

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You can customize and purchase your policy, all in the Root app.

State requirements for auto insurance in South Carolina

What are the minimum car insurance requirements in South Carolina?

To legally operate a vehicle in South Carolina, you must carry Liability insurance and Uninsured/Underinsured Motorist coverage.

Liability coverage

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.

Minimum required Liability coverage in SC:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage

You can always choose to select higher limits for more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

Uninsured/Underinsured 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. Uninsured Motorist Property Damage covers damage to your vehicle caused by an uninsured driver. 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.

Minimum required Uninsured Motorist coverage:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $25,000 Property Damage 

You can select higher limits if you choose.

What is SR-22 insurance?

SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the State Drivers License Division. In South Carolina, you must hold your SR-22 insurance for 3 years. You can easily request an SR-22 in the Root app. 

What other coverages does Root offer?

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Rental Car coverage

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Personal Injury Protection

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Medical Payments


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(including glass coverage)

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Roadside Assistance

(included with every Root policy)

How much is car insurance in South Carolina?

The average driver in South Carolina pays $1,759 [1] per year for their auto policy, which is higher than the national average. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers save up to $900 a year—all while enjoying fair and simple car insurance.

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Get an auto insurance quote based primarily on how you drive. You could save hundreds.

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  1. Annual average rates were compiled in April 2020

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Root Inc.

80 E. Rich Street

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Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.