Last Updated 8th of July, 2010

Do I need auto insurance to apply for a SC drivers license? South Carolina

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SC Driver License Auto Insurance Requirements

Driving is a privilege, not a right. When you get behind the wheel, you must be able to accept responsibility for any injuries or property damage you might cause. For this reason, the South Carolina Department of Motor Vehicles (DMV) requires proof of auto insurance when you apply for your drivers license.

To meet state requirements, your insurance policy must be from a company licensed to do business in South Carolina. You will need the following minimum coverage:

  • $25,000 per person for bodily injury coverage.
  • $50,000 per accident.
  • $25,000 for personal property.
Please keep in mind that minimum state auto insurance requirements may not be enough to provide adequate protection for all drivers.

Depending on your assets and the type of vehicle you drive, you may need to have additional car insurance. Because insurance rates can vary substantially from company to company, plan to spend some time comparison shopping for insurance quotes. This will make sure you get a policy that fits your needs at a price you can afford.

SC Car Insurance Exemptions

If you are applying for a learners permit so you can get the driving practice necessary to obtain your license, you do not need to submit proof of car insurance. However, you should never operate a vehicle that is not properly insured.

Drivers who do not own their own vehicles do not have to submit proof of car insurance, because policies are tied to vehicle ownership. There is a spot on the SC driver license application to indicate you do not own a vehicle.

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