Buy Cheap South Carolina Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap South Carolina Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
No
Only text messaging is banned.
Texting Ban:
Yes
In South Carolina, text messaging is banned for all drivers.
DUI Laws
Buy Cheap South Carolina Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15
There's an increased penalty for drivers with a BAC of 0.15 or above.
1st offense Suspension:
1 month (with BAC .15 or above)
Administrative license suspension on the 1st offense: In Pennsylvania, law enforcers can confiscate a first-time offender's driver's license for 1 month if he or she has a BAC of .15 or above. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Mandatory for repeat offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. South Carolina made the installation of ignition interlocks mandatory for repeat offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
Yes
No driver or passenger can have any open container of beer or wine in any area of the vehicle where it would be easily accessible by the driver or passengers. Open containers of alcohol must be transported in the trunk or luggage compartment of a vehicle.
Graduated Drivers License
Buy Cheap South Carolina Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 40 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 15.5
Night Driving Restriction: 6pm-6am (eastern standard time), 8pm-6am (daylight savings time)
Passenger Restriction: No more than 2 passengers under 21 unless to and from school
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 15 and six months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 6pm and 6am (8pm-6am after daylight savings time) and cannot drive with more than two passengers under 21 unless it is to or from school.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and six months, South Carolina drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
55
MPH
SPEED LIMIT
55 MPH
Page Source: ghsa.org
Buy Cheap South Carolina Auto Insurance in 2024
Department of Insurance
Website: https://www.doi.sc.gov/
Address: 1201 Main St., Suite 1000, Columbia, SC 29201
Phone: 803-737-6160
Buy Cheap South Carolina Auto Insurance in 2024
DMV Information
Website: www.scdmvonline.com/DMVNew/
Phone: 803-896-5000
Call Center Hours:
Mon, Tues, Thurs, and Fri, 8:30 a.m. to 5:00 p.m. On Wed, open from 9:30 a.m. until 5:00 p.m.