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The General® is pleased to provide auto insurance in South Carolina.  We offer low cost auto insurance online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your auto insurance coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Mandatory Minimum Level of Coverage

Current South Carolina law requires that at the time a driver’s license is issued for the first time and a driver’s license is renewed, drivers must certify on the driver’s license application (DL 447) that they are insured by an automobile liability policy.  Presently, the minimum limits for South Carolina are:

Bodily Injury

- $25,000 for the death or injury of any one person, any one accident
- $50,000 for all persons in any one accident

Property Damage

- $25,000 for any one accident

Frequently Asked Questions Regarding South Carolina Auto Insurance

What Happens If I Don’t Carry Auto Insurance?

Owners are required to provide proof that the vehicle being operated is insured.  If you are stopped by a law enforcement officer and unable to provide proof that the vehicle you are operating is insured, you may be issued a citation and be subject to imprisonment.  The General® can provide instant Proof of Insurance for South Carolina drivers.

What if I fail to keep insurance on my vehicle that I have registered in South Carolina?

Your insurance company will send you a Proof of Insurance card listing the covered automobiles and drivers and showing the policy number and expiration date.  Your policy or a temporary binder is also acceptable evidence of insurance.

How Do I Prove I Have Insurance?

Failure of the owner to submit verification that the vehicle is currently insured or advise the department of the current disposition, will result in the suspension of the vehicle plate/registration. If suspended, the owner may be required to pay a reinstatement fee up to $400.00.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

South Carolina Department of Insurance
South Carolina Department of Motor Vehicles
The Official State of South Carolina Website
South Carolina Highway Patrol
South Carolina Department of Transportation