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.
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.
