South Carolina Trucking Insurance Requirements

South Carolina follows federal minimums: $750,000 for general freight, $1 million for hazmat. For intrastate carriers, the PSC requires $750,000 minimum liability. South Carolina follows a modified comparative fault system (51% bar). The state's court system produces moderate jury verdicts overall, though some Lowcountry jurisdictions can produce above-average awards. Total annual insurance for a South Carolina owner-operator runs $9,500-$16,500. Primary liability averages $7,000-$12,000. The state's moderate legal environment and growing but still relatively affordable market keep costs competitive.

South Carolina requires workers' compensation insurance for employers with four or more employees. The Workers' Compensation Commission administers the program. Workers' comp premiums for trucking average $8-$12 per $100 of payroll. Employers with fewer than four employees are exempt but can elect coverage. Owner-operators need occupational accident insurance at $120-$300 per month. South Carolina's workers' comp system is considered employer-friendly with moderate benefit levels. The South Carolina Trucking Association provides insurance resources and group program information.