South Carolina
- ~$40–$55
- ~$110–$140
- $25K/$50K/$25K
South Carolina’s car insurance market is characterized by moderate rates, shaped by a mix of urban centers like Charleston and Columbia, and rural driving conditions. The state operates a fault-based liability insurance system with mandatory coverage limits.
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South Carolina Auto Insurance Facts *
Drivers
- ~3.2–3.3 million licensed drivers as of 2023.
- ~90% household vehicle ownership.
- High use of pickups and SUVs.
- Uninsured motorist rate around 14%.
- Limited public transportation outside major cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~19,500 | ~5,600 | 370 |
| 2019 | ~20,000 | ~5,700 | 375 |
| 2020 | ~17,500 | ~5,200 | 355 |
| 2021 | ~18,000 | ~5,300 | 360 |
| 2022 | ~18,500 | ~5,400 | 365 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
