The state of South Carolina, along with most states in the United States, requires that all drivers carry automobile insurance for their vehicles. When a driver's license is issued or when your automobile is registered or the registration is renewed, you are required to certify on your form the name of your insurance company. According to the State of South Carolina this information is electronically verified by the State with the insurance companies.

The minimum amount of auto insurance required by South Carolina is 25/50/25. That is $25,000 for liability, $50,000 for bodily injury, and $25,000 for property damage. Any time that an individual cancels an auto policy, insurance companies are required by law to notify the state of South Carolina of the cancellation. Depending on your personal financial condition these limits may not give adequate coverage.

You are also required to carry proof of your auto insurance in your vehicle at all times. If you are stopped for a traffic violation or are involved in an automobile accident, the police officer will ask to see your auto registration and your proof of insurance. Most other states also require that you have and carry proof of auto insurance in your vehicle.

In the State of South Carolina alone for the year 2009 there were 118 fatal crashes in which 130 people were killed. Most fatal accidents are usually the result of three causes, either because a driver was speeding, drunken driving, or not wearing a seatbelt. The State of South Carolina also requires that every driver and every passenger must wear a seat belt when driving on public streets and highways. Police officers will pull you over and give you a ticket if they see that you, or an occupant of your vehicle, are not wearing a seatbelt.

Some roads in South Carolina are more dangerous than others. It is estimated that more than 75% of accident fatalities occur on two lane roads. Not quite half of the roads in South Carolina are two lanes. It's easy to see why states require individuals to carry auto insurance on their vehicles.