• South Carolina Auto Insurance Coverage
• South Carolina Auto Insurance Discounts

South Carolina Auto Insurance Coverage

Nationwide makes it easy to find affordable South Carolina auto insurance options to keep you and your car protected. Learn about all the available options so you can custom-build a policy to fit your unique needs.

South Carolina car insurance coverage you must have

Liability

In South Carolina, two types of liability coverage are required by law:

• Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by other parties.
• Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another 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.

Uninsured/underinsured motorist

• Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver ho is not insured or is underinsured.
• Property damage helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.

South Carolina auto insurance coverage that’s smart to have

Comprehensive

This type of South Carolina auto insurance covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism, glass breakage along with other non-collision related accidents.

Collision

Covers damage to your vehicle resulting from a collision with another vehicle or object.

Medical benefits

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

Other smart options to consider from Nationwide

Accident Forgiveness – With this optional coverage, Nationwide will not raise rates following your first at-fault 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. If you’re stranded, Roadside Assistance can help with fuel delivery, lockout service, jump starts and more. Learn more about Roadside Assistance.

Loss of use – If your car can’t be driven due to a covered loss, our loss of use coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

Find the dependable South Carolina car insurance coverage you need with Nationwide

Get a free online auto insurance quote or find a South Carolina auto insurance agent near you.

_{Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.}

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}