Every driver in South Carolina is required by law to carry auto insurance, but the right coverage goes beyond just meeting the state minimum. At Citadel Insurance Group, we help Spartanburg drivers compare options from multiple top-rated carriers to find a policy that truly fits their needs and their budget.
South Carolina is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages. The state requires all drivers to carry the listed minimums.
Keep in mind that state minimums are a legal floor, not a coverage recommendation. A single serious accident can generate costs well above these limits. Our agents can help you determine what level of protection makes sense for your situation.
| Coverage Type | Minimum Required |
| Bodily Injury (per person) | $25,000 |
| Bodily Injury (per accident) | $50,000 |
| Property Damage Liability | $25,000 |
| Uninsured Motorist (per person) | $25,000 |
| Uninsured Motorist (per accident) | $50,000 |
Beyond the state minimum, we can help you build a policy with the coverage you actually need:
As a local independent agency, Citadel Insurance Group shops multiple carriers to find you competitive rates without sacrificing coverage. Whether you are a first-time driver, bundling auto with home insurance, or looking to switch providers, we make the process simple.
Use our online auto insurance quote tool to get started, or contact our Spartanburg team today. We are here to help you drive with confidence.
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