South Carolina Auto Coverages
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Find the Right South Carolina Auto Insurance Coverage for Your Needs

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for South Carolina auto insurance.

South Carolina car insurance coverage your policy must have 

Liability coverage

As a resident of South Carolina, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

  • Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
  • Property damage safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.

When buying South Carolina auto liability coverage, you’ll need at least the required state minimum amount, which is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person’s property.

Liability coverage also provides for your legal defense if you are sued as a result of a covered accident.

South Carolina auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of South Carolina auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Medical benefits

Helps pay necessary expense for medical and funeral services provided to you and your passengers as a result of an accident.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Coverage for new cars

  • Gap covers amount owed above actual cash value (ACV), if purchased or leased vehicle is a total loss, in a covered loss.
  • Vehicle value upgrade if your covered vehicle is a total loss, this option provides for a comparable vehicle in ready-to-sell condition (up to 100% MSRP). It does not apply to leased vehicles.
  • New car replacement plus if your covered vehicle is a total loss, this coverage provides gap coverage plus protection against depreciation to replace covered vehicle, 0-2 years old with a new vehicle (up to 110% of MSRP on totaled vehicle) or a vehicle 3-5 years old with vehicle in ready-to-sell condition. It does not apply to leased vehicles.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.