Is South Carolina a no-fault state?
No. South Carolina is an at-fault state. The insurance of the driver who caused the crash pays the injured people's claims, including medical bills, lost wages, and pain and suffering.
Last checked November 9, 2026 · Official sources (4)
How does South Carolina car insurance work?
“Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault.”
South Carolina Department of Insurance
What is South Carolina's minimum car insurance?
| Coverage | What South Carolina requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Uninsured motorist coverage is required, at the same minimums as liability (25/50/25). Underinsured motorist coverage is not required. |
Other at-fault states
Questions
How much insurance does South Carolina require?
At least $25,000 for injury to one person, $50,000 for injuries in one crash, and $25,000 for property damage.
What if you were partly at fault in South Carolina?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing if your fault is greater than the other driver's.
Hurt in a crash in South Carolina? Find out if you are owed money.
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See if I’m owed moneySources (4)
- South Carolina Department of Insurance, checked 2026-11-09. “Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault.”
- South Carolina Department of Insurance, checked 2026-11-09. “Drivers are required to carry liability and uninsured motorist coverage with the following limits: $25,000 Bodily Injury Per Person / $50,000 Bodily Injury Per Accident / $25,000 Property Damage Per Accident”
- South Carolina Department of Insurance, checked 2026-11-09. “South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25).”
- Supreme Court of South Carolina, Berberich v. Jack, Opinion No. 26955 (2011), checked 2026-11-09. “In Nelson , this Court stated that, under comparative negligence "a plaintiff in a negligence action may recover damages if his or her negligence is not greater than that of the defendant."”