Protection Atlas · State Profile
South Carolina Protection Profile
South Carolina ranks #41 of 51 on the Atlas composite. State cost index runs 1.00× the national midpoint, risk-event frequency sits at 68/100, and consumer-protection strength scores 74/100.
Resilience
70
/ 100
Financial Safety
85
/ 100
Protection
82
/ 100
Preparedness
60
/ 100
Retirement
71
/ 100
Business
84
/ 100
State profile
- Auto avg: $1,841 · Home avg: $1,547 · Term avg: $245
- Min liability: 25/50/25 · No-fault: No · UM required: Yes
- SR-22 fee: $25 · Cost index: 1.00 · Friendliness: 94/100
Protection challenges
- Named-storm and hurricane deductibles materially shift HO economics
Major risk factors
- Hurricane and tropical-storm exposure
- Storm-surge flood exposure inland of the surge zone
Family security insights
In South Carolina, family protection planning is shaped by tort-based auto rules, mandatory uninsured-motorist coverage, and a state cost index of 1.00× the national midpoint. Term-life pricing tracks a 1.02× regional factor for healthy 35-year-olds.
Retirement security insights
Retirement resilience in South Carolina is supported by a consumer-protection score of 74/100 and a friendliness composite of 94/100. Longevity risk and healthcare-cost growth remain the dominant pressures regardless of state, with LTC pricing tracking national averages closely.
Preparedness notes
South Carolina households face hurricane season as the dominant preparedness event. Recovery liquidity, ALE adequacy, and documented evacuation routes drive preparedness outcomes.