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South Carolina Insurance Guide
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Insurance in South Carolina
Find comprehensive insurance information for South Carolina (SC) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | South Carolina (SC) |
| Region | Southeast |
| Population | ~5.2M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | South Carolina Department of Insurance |
Health Insurance in South Carolina
South Carolina residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in South Carolina
South Carolina has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in South Carolina
Protect your home with coverage tailored to South Carolina’s specific risks and requirements.
Life Insurance in South Carolina
Find life insurance options available to South Carolina residents to protect your family’s financial future.
How South Carolina Compares
Understanding how South Carolina stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | South Carolina | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,723 | $1,935 | -11% (above average) |
| Health Insurance (monthly) | $678 | $477 | +42% (above average) |
| Home Insurance (annual) | $1,867 | $2,377 | -21% (above average) |
| Uninsured Rate | 11.1% | 9.5% | +17% (below average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- South Carolina Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - South Carolina (opens in new tab) - Federal health insurance marketplace for South Carolina
- SC Wind and Hail Underwriting Association (opens in new tab) - Wind coverage for coastal properties
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any South Carolina address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- South Carolina Department of Insurance
- Phone
- 803-737-6160
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in South Carolina?
South Carolina requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
How do I get health insurance in South Carolina?
South Carolina uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. South Carolina has not expanded Medicaid, so marketplace plans with premium tax credits are important for coverage.
Does South Carolina homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal South Carolina properties may have separate wind/hurricane deductibles and may need coverage through the SC Wind and Hail Underwriting Association.
Is flood insurance required in South Carolina?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given South Carolina’s extensive coastline and hurricane exposure, flood insurance is strongly recommended, especially in the Lowcountry and coastal areas.
What is the average cost of car insurance in South Carolina?
South Carolina drivers pay approximately $1,600-$1,900 per year for full coverage auto insurance, which is above the national average. Charleston and Columbia metro areas have higher rates than rural areas.
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Neighboring State Guides
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