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Multi-Car Policy Structure
A South Carolina multi-car policy puts two or more owned vehicles on one policy, each carrying the state's 25/50/25 liability minimum. The multi-car discount applies when all vehicles sit on the same policy and typically requires a shared garaging address.
Liability Insurance Per Vehicle
Every vehicle on a South Carolina multi-car policy must carry the state's 25/50/25 bodily injury and property damage liability minimum. You can purchase higher limits for one or more vehicles while keeping others at the minimum.
Uninsured Motorist Coverage
South Carolina requires uninsured motorist coverage on every vehicle on a multi-car policy. This coverage protects every driver and vehicle on your policy when an at-fault driver carries no insurance.
Full Coverage on Select Vehicles
Each vehicle on a South Carolina multi-car policy can carry its own level of collision and comprehensive coverage. You can insure a financed car with full coverage and an older paid-off car with liability only, both earning the multi-car discount.
Adding a Vehicle Mid-Term
Adding a third or fourth vehicle to an existing South Carolina multi-car policy re-rates the entire policy immediately rather than adding a flat amount. The new vehicle must carry the state's 25/50/25 liability minimum plus uninsured motorist coverage.
Combining Household Policies
Merging two separate South Carolina policies into one multi-car policy after marriage or household merger earns the discount when both households share a garaging address. Each vehicle retains its own coverage level while the combined policy earns the discount.
