Prepared by the
South Carolina Department of Insurance
300 Arbor Lake Drive Suite 1200
P.O. Box 100105
Columbia, South Carolina 29202-3105
(803) 737-6180 // (800)-768-3467
Overview of South Carolina’s Auto Insurance Laws
South Carolina law allows eligible consumers to legally
drive uninsured. However, if you drive legally uninsured
and cause an accident, you may be responsible for the
losses of the other person(s) involved. A claim may be filed against you for those losses. You may have to pay not only for
the property damage you cause, but also for the medical expenses, wages, and pain and suffering of any injured person(s).
Auto liability insurance coverage is designed to protect you from personal liability for these types of losses. Liability
insurance also pays for a lawyer to defend you against any claim or lawsuit filed against you.
Why Should I Buy Auto Insurance?
1) INSURERS no longer have to insure all vehicle owners regard-
less of risk. An insurer may refuse to write auto insurance, but
cannot base the refusal on income level, race, creed, national
origin, ancestry, marital status, or lawful occupation, including
2) ANY eligible consumer may legally drive uninsured in South
Carolina by paying an annual fee of $550 to the Department of
Public Safety. However, if that consumer is involved in an acci-
dent, he/she will be personally liable for damages caused to the
property or person(s) of the other vehicle and any passengers in
his or her own car.
CONSUMERS have to provide proof of insurance or authori-
zation to legally drive uninsured upon the request of law en-
4) THE South Carolina Associated Automobile Insurers Plan
(SCAAIP) provides insurance to eligible South Carolina con-
sumers who are unable to obtain coverage from a private insur-
5) THE recoupment fee for zero-pointed drivers has been elimi-
nated. However, drivers with moving violation convictions re-
ceived between March