South Carolina
Auto Insurance Coverages
With so many companies offering auto insurance in South Carolina, how do you choose the car insurance that's right for you? Regardless of where you live in South Carolina, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for South Carolina drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the SC Graduated Driver Licensing chart below for more information.
For more information on this state, visit the South Carolina State Information or South Carolina State Catastrophe page.
South Carolina Auto Insurance Coverage Scale
Allstate can help you decide how much auto insurance coverage is right for you. Each state, including South Carolina, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about South Carolina's required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000*
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100,000/300,000
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Property Damage Liability
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10,000*
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25,000
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Uninsured Motorist Bodily Injury
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25,000/50,000*
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15,000/30,000
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Medical Expense Benefits
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Not required*
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2,000
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Collision
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Not required*
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250 deductible
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Comprehensive
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Not required*
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250 deductible
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Underinsured Motorist Bodily Injury
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Not required*
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25,000/50,000
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South Carolina Graduated Driver Licensing
Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. South Carolina has its own variation of these laws that both you and your teen should be familiar with them. You may want to discuss the South Carolina GDL laws with your teen and use them as a foundation for rules you set for your teen driver.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has optimal provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has the provision
but it is not optimal
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Minimum Exit Age
(Optimal: 18)
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16 years, 6 mo.
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Florida, Hawaii, Georgia,
North Carolina, Tennessee
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in South Carolina. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.