Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
You are required to maintain car insurance in the state where your vehicle is registered in. If you recently moved to South Carolina, you will need to visit your local DMV office to begin the process of registering your car. During your visit, you must provide proof of liability insurance information, such as the name of your insurance provider. You will also need to complete certain forms and provide proper payment.

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Do I need to cancel my insurance if I am moving to another state?
There is a good chance you may have to cancel your insurance if you are moving to another state. Most states have a requirement that you carry auto insurance that is qualified to do business in that particular state. You should check with your insurance company to find out what your options are for moving your coverage to a different state.

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How can I avoid a license suspension if I choose not to insure my vehicle?
In order to avoid the suspension of your South Carolina drivers license, you will need to get car insurance in the state. Failure to do so will result in the conviction of a misdemeanor. SC requires drivers to maintain the following types of minimum car insurance coverage:

  • Bodily injury
  • Property damage
  • Uninsured motorist protection

In the event that you are pulled over by a law enforcement officer, you will be required to show proof of your car insurance. You must maintain your car insurance for the length of time in which your vehicle is registered.

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If I have been in an accident, what property damage do I have to report?
If you have been involved in a car accident that sustained property damage, you will be required to file a police report and provide proof of insurance. If you do not have South Carolina car insurance, you may face drivers license suspension, in addition to being found guilty of a misdemeanor. To have your drivers license reinstated, follow the terms of your suspension and pay a reinstatement fee in the amount of $100.

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If I live outside of the state for half the year, am I still required to have car insurance?
If your vehicle is registered in South Carolina, then you will be required to comply by the requirements of insurance for cars. You must carry proof of car insurance with you at all times in order to avoid facing any penalties or the possible suspension of your driver s license. As it pertains to the minimum insurance coverage in SC, you are required to adhere to the following:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per more than one person
  • $50,000 property damage
  • Uninsured motorist protection

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What is the minimum liability insurance coverage?
The state of South Carolina requires minimum liability insurance for car coverage that includes the following:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per more than one person
  • $50,000 property damage
  • Uninsured motorist protection

If you have a registered vehicle in South Carolina, you are required to maintain car insurance. Failure to maintain proof of insurance will result in a drivers license suspension. Additionally, you will be required to pay a $100 reinstatement fee before you can have your license reinstated.

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What proof of insurance can I provide when registering my car?
The state of South Carolina requires drivers who are registering their vehicles to show liability car insurance information. You do not need to present paperwork from your car insurance at your local DMV office, unless it is specifically asked for. Instead, giving the name of your car insurance provider will suffice.

When you are getting vehicle registration, you will also need to have payment ready for any applicable fees, along with your car title.

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What type of car insurance am I required to have?
In South Carolina, the current car insurance requirements entail coverage of the following:

  • Bodily Injury
  • Property Damage
  • Uninsured motorist protection

By law, you are required to maintain car insurance if you reside in the state and own a vehicle. In the event that you are pulled over by a police officer, you will need to have proof of insurance readily available. If you fail to get car insurance in South Carolina, your drivers license will be suspended.

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What will happen if I fail to get or keep car insurance?
South Carolina makes it mandatory for all registered vehicles in the state to be insured. If you refuse to get car insurance, you will face the following consequences:

  • You will be found guilty of a misdemeanor.
  • Your South Carolina drivers license will be suspended.

The state requires drivers to maintain the following types of insurance coverage:

  • Bodily injury
  • Property damage
  • Uninsured motorist protection

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Which types of vehicles need to be insured?
In South Carolina, the majority of vehicles require car insurance. Some of these include but aren t limited to the ones listed below:

  • Passenger vehicles
  • RVs
  • Motorcycles
  • Vans
  • Trucks
  • Commercial vehicles
  • Utility trailers
  • Road tractors

When getting insurance for your vehicle, you will also be required to obtain car registration thereafter. To complete this process, you can visit an SC DMV in your area and bring all necessary documentation, paperwork and payment with you.

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