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South Carolina: uninsured drivers

The share of drivers on the road without insurance in each state, and whether you must buy uninsured motorist coverage.

Estimated share of drivers uninsured (2023)10.3%
Uninsured motorist coverageUninsured motorist required

Uninsured rates are Insurance Research Council estimates for 2023, the latest available. Required coverage limits usually match your state's liability minimums.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in South Carolina.

How South Carolina compares

10.3% ranks 39 of 51 (1 = highest) for share of drivers uninsured (2023).

Lowest 5.7%Highest 28.2%

Alaska: 12.5%AKMaine: 5.7%MEVermont: 11.8%VTNew Hampshire: 10.0%NHWashington: 19.1%WAIdaho: 6.4%IDMontana: 7.2%MTNorth Dakota: 10.6%NDMinnesota: 11.3%MNIllinois: 15.2%ILWisconsin: 15.6%WIMichigan: 22.3%MINew York: 8.6%NYRhode Island: 12.4%RIMassachusetts: 7.9%MAOregon: 14.7%ORNevada: 11.1%NVWyoming: 6.7%WYSouth Dakota: 9.4%SDIowa: 11.4%IAIndiana: 14.0%INOhio: 18.5%OHPennsylvania: 11.0%PANew Jersey: 14.1%NJConnecticut: 11.8%CTCalifornia: 20.4%CAUtah: 6.2%UTColorado: 19.7%CONebraska: 9.5%NEMissouri: 20.7%MOKentucky: 14.1%KYWest Virginia: 7.8%WVVirginia: 12.9%VAMaryland: 16.9%MDDelaware: 17.6%DEArizona: 10.6%AZNew Mexico: 24.1%NMKansas: 12.0%KSArkansas: 12.1%ARTennessee: 21.3%TNNorth Carolina: 11.8%NCSouth Carolina: 10.3%SCDistrict of Columbia: 23.1%DCOklahoma: 12.0%OKLouisiana: 11.7%LAMississippi: 28.2%MSAlabama: 16.8%ALGeorgia: 19.0%GAHawaii: 9.6%HITexas: 14.5%TXFlorida: 20.6%FL
  • 5.7% – 9.6% (11)
  • 10% – 11.8% (12)
  • 12% – 14.1% (9)
  • 14.5% – 19% (9)
  • 19.1% – 28.2% (10)

Also for South Carolina: Car insurance by state in South Carolina · Claim deadlines in South Carolina · Small claims limits in South Carolina · Total loss rules in South Carolina · Dog bite rules in South Carolina · Shared fault rules in South Carolina · Accident reporting rules in South Carolina · Phone-while-driving laws in South Carolina · Motorcycle helmet laws in South Carolina · All South Carolina rules on one page

How we checked this

Uninsured rates are Insurance Research Council estimates for 2023. Coverage requirements come from the APCIA/Insurance Information Institute state table and were checked against a second listing of the III data. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.