Motorcycle Insurance In South Carolina

As is the case with South Carolina auto insurance, the minimum amount of coverage required for motorcyclists is 25/50/25.

This means that you are covered for $25,000 in bodily injury liability per person up to a total of $50,000 per accident and $25,000 in property damage. Beyond the state-mandated minimum, there are other coverage options available to riders, such as collision and comprehensive coverage, uninsured/underinsured motorist protection, and medical payments.

It is essential to understand all of the coverage options available and make sure you are adequately protected. This can be done by discussing your needs with an experienced insurance agent.

A full coverage policy for motorcycle insurance in South Carolina costs about $360 annually or $30 monthly on average. This is slightly lower than the national average of $363 annually

A liability-only policy, which does not cover the rider's own bike or injuries in an accident, costs about $192 annually or $16 monthly on average in South Carolina. This is 26% higher than the national average of $142 annually. This option is more affordable, but it offers less protection. 

The figures are based on coverage of $50,000 bodily injury liability per person up to a total of $100,000 per accident and $25,000 in property damage, with a $500 deductible plus the minimum coverage for uninsured/underinsured motorist protection.



Costs may vary depending on the type of bike and coverage limits selected. Factors such as age, driving history, credit score and the amount of coverage can all affect insurance costs.

The best way to get the coverage you need and save money on motorcycle insurance in South Carolina is to shop around. At Southern Insurance Group, we offer competitive rates and a wide range of coverage options so you can find the perfect policy for your needs.

We are an independent insurance agency, which means that we can compare rates from multiple carriers to make sure you get the best prices and coverage. Plus, our knowledgeable agents are here to answer any questions you may have and help you understand the different coverage options.



Whether you are a weekend rider or an experienced motorcyclist, we have the perfect policy for you. Contact us today to get started. We look forward to helping you find the best motorcycle insurance in South Carolina!

In addition to the minimum insurance requirements, the South Carolina Department of Motor Vehicles (SCDMV) mandates all motorcyclists to possess a valid motorcycle license or endorsement. You may need additional training or an exam depending on your age and prior experience with motorcycles.

All motorcyclists under the age of 21 must wear a helmet while riding. Additionally, all riders must have their headlights on at night or any other time visibility is limited.

It is also important to understand the state laws regarding lane splitting or “filtering”. This practice, which involves riding in between lanes of cars, is illegal in South Carolina.

Finally, all riders must remain aware of their surroundings and exercise caution at all times when operating a motorcycle on the road. Safety should always be the top priority.

You have several coverage options when it comes to motorcycle insurance in South Carolina. The most common types of coverage include liability, collision, and comprehensive, uninsured/underinsured motorist protection and medical payments.

Liability Coverage

As mentioned above, liability coverage is the minimum insurance requirement for all motorcyclists in South Carolina. It is specifically designed to cover the costs associated with any damage or injuries that you cause to others while riding your bike. In other words, if you are involved in an accident and it is deemed to be your fault, your liability coverage will pay for any medical bills, property damage, or other expenses that the other party incurs.

This type of insurance is incredibly important for all motorcycle riders, regardless of their level of experience. Without liability coverage, you could be left responsible for thousands of dollars in damages and legal fees, putting your financial future at risk. Investing in motorcycle liability coverage is the responsible choice for anyone who wants to protect themselves and their loved ones on the road.

Collision and Comprehensive Coverage

Motorcycle collision and comprehensive coverage are types of insurance that protect you and your motorcycle from unexpected expenses. Collision coverage pays for damages to your motorcycle if you get into an accident with another vehicle or object, while comprehensive coverage covers you for non-collision incidents such as theft, vandalism, or weather damage.

Without insurance, repair or replacement costs can quickly add up and leave you financially stressed. These coverage types give you peace of mind knowing that you'll be taken care of in case of an unfortunate event. Consider adding collision and comprehensive coverage to your motorcycle insurance policy to protect yourself and your investment.

Uninsured/Underinsured Motorist Coverage

South Carolina law requires all drivers to have insurance, but unfortunately, not everyone complies. Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you in case you are hit by someone who does not have enough insurance or any at all. This type of insurance will cover the costs associated with your medical bills, lost wages, and other expenses. Investing in UM/UIM coverage is an important step for any motorcyclist who wants to make sure they are prepared for any situation on the road.

Medical Payments Coverage

Medical payments coverage pays for medical costs that result from a motorcycle accident, regardless of who is at fault. This coverage is important for all riders, as it can help pay for medical expenses such as hospital bills, x-rays, physical therapy, and other costs associated with treating injuries. Without this type of insurance protection, you could end up facing thousands of dollars in medical bills on your own.

Parts and Accessories Coverage

Parts and accessories coverage is an optional type of insurance that pays for any customizations or upgrades made to your motorcycle. This can include anything from exhaust systems, windshields, saddlebags, handlebars and more. Parts and accessories coverage will help ensure that you are not left with a financial burden should your bike get damaged due to a covered event.

Additional Coverage Options

In addition to the above-mentioned coverages, there are other coverage options available that can provide motorcycle riders with additional protection. These include roadside assistance, trip interruption coverage, towing and labor coverage, and more. Speak with a skilled motorcycle insurance specialist to learn more about these options and determine the best coverage for your needs.

When shopping for motorcycle insurance, always be sure to ask about ways to save. In South Carolina, there are a number of discounts available that can help you lower your overall costs.

• Homeowner Discount: If you own a home and have an applicable home insurance policy in place, you may qualify for this discount.
• Multi-policy Discount: Combining different types of insurance such as auto and home can help you save money on your monthly premiums.
• Good Driver Discount: Drivers with a clean driving record may be eligible for this discount.
• Safety Course Discount: Taking and completing an approved safety course can provide discounts to motorcycle riders in South Carolina.
• Anti-theft Device Discount: Installing an anti-theft device on your bike can help you save on premiums.
• Low Annual Mileage Discount: If you don't ride your motorcycle often, this discount could be applicable to you.
• Automatic Payment Discount: Automatically paying your policy premiums with a credit or debit card can net discounts.
• Motorcycle Association Discount: If you're a member of a motorcycle association, you can be eligible for some savings on your policy.
• Senior Citizen Discount: South Carolina seniors are eligible for discounts on their motorcycle insurance policies.
• Credit-based Insurance Score Discount: A good credit score may qualify you for discounts on your motorcycle coverage.

These are just some of the many potential discounts available to South Carolina motorcycle riders. Speak with an experienced insurance agent or company representative to learn more about how you can save on your premiums.

If you need to file a claim for your South Carolina motorcycle insurance, the process is fairly straightforward. The first step is to contact your insurance provider as soon as possible after an accident has occurred. 



You'll need to provide information such as details about the incident, police report numbers, names and contact info of any witnesses, and more. Your insurance provider will then open a claim and begin the process of investigating. If your claim is approved, you'll receive payment for any applicable coverage that has been selected.

The skilled agents at Southern Insurance Group are here to help you find the best motorcycle insurance policy for your needs. 

We understand how important it is to have the right coverage in place, and we make it easy for South Carolina riders to compare quotes from a number of top-rated companies. 



Contact us today to learn more about our motorcycle insurance options and get started on your free quote!