South Carolina car insurance statutes
Every figure on the South Carolina pages comes from a numbered section of South Carolina law or from the agency that administers it. This is the whole list — 7 laws and 13 agency pages — so you can go straight to the section you need, or check what we read before we wrote a number down.
Statutes and session laws
- S.C. Code § 15-38-15read September 27, 2026
apportionment of percentages of fault (version effective January 1, 2026)
Used on fault system
- S.C. Code § 56-1-20read September 27, 2026
out-of-state licenses must be surrendered within forty-five days of becoming a resident
Used on moving here
- S.C. Code § 56-3-212(F)read September 27, 2026
forty-five days to license and register a vehicle moved into the State
Used on moving here
- S.C. Code § 56-5-5310read September 27, 2026
condition of vehicle and vehicle equipment
Used on moving here, crash reporting
- S.C. Code § 56-10-520(D)read September 27, 2026
reinstatement fee of $600 adjusted annually by order of the Department of Insurance
Used on sr-22, driving uninsured, coverage lapse
- S.C. Code §§ 38-77-140, 38-77-150, 38-77-160read September 27, 2026
bodily injury and property damage limits; uninsured and underinsured motorist provisions
Used on minimum coverage, fault system
- S.C. Code §§ 56-9-351, 56-9-430, 56-9-500, 56-9-520, 56-9-550, 56-9-610, 56-9-620read September 27, 2026
Motor Vehicle Financial Responsibility Act
Used on sr-22, coverage lapse, crash reporting
Agency pages and forms
Used where the law leaves a detail to the agency — a form name, a fee set by order, a deadline published rather than enacted. Where a statute and an agency page disagree, the state page says so.
- S.C. General Assemblyread September 27, 2026
S. 244 (2025-2026), SECTION 19: would amend § 38-77-140 to 50/100/50 two years after the act's effective date; last action April 3, 2025, referred to House Judiciary
Used on minimum coverage
- S.C. Supreme Court, Lydia v. Horton, Op. No. 25675 (2003)read September 27, 2026
"In South Carolina, a plaintiff is barred from recovery if his negligence outweighs the defendant's. Nelson v. Concrete Supply Co."
Used on fault system
- SCDMVread September 27, 2026
Facts About Driving Uninsured ("You must get your insurance company to file a Certificate of Insurance (SR-22) for three years starting with the date of suspension")
Used on sr-22, driving uninsured, coverage lapse
- SCDMVread September 27, 2026
Insurance Companies (SR-22 requirements; filing through ALIR)
Used on sr-22
- SCDMVread September 27, 2026
Insurance Requirements (30 days to show proof after a ticket; $100 reinstatement fee)
Used on coverage lapse
- SCDMVread September 27, 2026
Moving to SC (45 days for the license, 45 days to transfer the registration)
Used on moving here
- SCDMVread September 27, 2026
Renew My Registration (full list of renewal requirements: no inspection of any kind)
Used on moving here
- SCDMVread September 27, 2026
Moving to SC, vehicle owners (documents needed to title and register an out-of-state vehicle)
Used on moving here
- SCDMVread September 27, 2026
Collision Reports (official copies are held by SCDMV; Form FR-50 to request one)
Used on crash reporting
- SCDOIread September 27, 2026
Automobile Insurance ("South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25)")
Used on minimum coverage
- SCDOIread September 27, 2026
Auto Insurance FAQ ($200 uninsured motorist deductible)
Used on minimum coverage
- SCDOIread September 27, 2026
Order No. 2025-006, adjustment of the reinstatement fee for uninsured motorists under § 56-10-520
Used on sr-22, driving uninsured
- South Carolina Department of Insuranceread September 27, 2026
Order No. 2025-006, setting the 2026 reinstatement fee at $700
Used on sr-22