Liability Car Insurance in South Carolina
Numbers refreshed
The cheapest legal policy in South Carolina: the price, and what it leaves out.
- $80.what liability coverage costs each month on average.
- 25/50/25.the lowest liability limits allowed.
- Among 51 states, costs here rank 16th (1st = highest).
What does liability cost in South Carolina?
For liability-only car insurance in South Carolina, the average is $963 a year, about $80 a month. For liability, it's the 10th most expensive state.
| Coverage in South Carolina | Per year | Per month |
|---|---|---|
| Liability | $963 | $80 |
| Collision | $419 | $35 |
| Comprehensive | $282 | $24 |
| Full coverage (all three) | $1,665 | $139 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay under the minimum
South Carolina requires 25/50/25 liability coverage at least. Each person hurt is covered for $25,000, all the people hurt in one crash for $50,000, and other people's property damage for $25,000.
The other people are the ones liability coverage pays. Unless you add collision coverage, you pay for repairs to your own car.
Any crash costs above your limits can be claimed from you. Buying higher limits usually costs far less than the extra protection you get.
First written