South Carolina minimum liability limits; $15,000 per person for injuries you cause to the other parties, $30,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $15,000 (per person) and $30,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage.
Optional plans include blanket umbrella,` medical payments (PIP), collision, and comprehensive coverage.
If you are convicted of DUI in South Carolina (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to use the South Carolina Automobile Insurance Plan (MNAIP). The South Carolina Catastrophic Claims Association was created in 1972 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market. Eligible South Carolina Automobile Insurance Plan drivers are shared among companies writing automobile insurance in the state of South Carolina.
Below (again) are the minimal limits.
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Penalties for driving without insurance in South Carolina include a $100-$200 fine and less than 30 days jail.
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