Types of Coverage

Some types of car insurance are required by South Carolina law; others are optional. Your agent can help you understand what levels of coverage you need based on your unique needs.


Current South Carolina law requires licensed drivers to provide proof of financial responsibility, and most drivers do this by purchasing liability car insurance. An auto insurance policy includes Liability Coverage and is made up of two parts:

  1. Bodily Injury Liability
    Covers medical expenses, pain and suffering, lost wages, and other special damages.

  2. Property Damage Liability
    Covers damaged property and may include loss of use.

Why is Liability Coverage needed?

If you cause an accident that injures other people or someone's property, Liability Coverage pays (up to the policy limits) for the damages you cause to others. Also, if you're sued for an accident you cause, Liability Coverage pays for your legal defense and court costs, up to the policy limits.

Uninsured and Underinsured Motorists Coverage

Protect yourself against the carelessness of others with Uninsured and Underinsured Motorists Coverage. This coverage provides protection to you and your passengers if you are injured or your vehicle is damaged in an accident caused by another driver who does not have liability insurance or who does not have enough liability coverage to pay for your losses.

Medical Payments Coverage

Healthcare costs after an accident can add up. No matter who is at fault, Medical Payments Coverage pays reasonable and necessary medical and funeral expenses for covered persons who are injured or killed in an auto accident.

Physical Damage Coverage

In addition to covering your medical expenses and protecting you if you cause damage or injury in a car accident, you expect your auto insurance to cover the costs to repair damages to your car. There are two physical damage coverage options available to protect your vehicle. They are Collision Coverage and Comprehensive Coverage.

Collision Coverage pays for damage to a covered vehicle caused by accidental collision with another object, another vehicle or if your vehicle rolls over.

Comprehensive Coverage pays for losses to a covered vehicle that are not caused by collision or by the vehicle rolling over. This covers among other things, fire, theft, animal collision and glass breakage.

Additional Coverage Options

Your car insurance needs may differ from your neighbor, which is why we offer additional coverage options to our South Carolina customers. Ask your Farm Bureau Insurance agent about these additional coverage options:

  • Rental Car Reimbursement
  • Classic Cars
  • Antique Cars

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Available Discounts

We believe that you should be rewarded for being a safe driver and a loyal customer. That's why Farm Bureau Insurance offers a wide variety of competitive auto insurance discounts that can help you save money.

Ask your Farm Bureau Insurance agent about our:

  • Account Discount 
    Applies if you have a qualifying property policy insured through your Farm Bureau Insurance agent. Those under the age of 25 without a property policy may qualify for an account discount if they are not already a Farm Bureau member and if their parents have an active Farm Bureau Insurance homeowner's policy.​​
  • Adult Driver Training Discount
    Available to drivers over the age of 25 who complete an approved driver's training course that includes four hours or more of classroom instruction. Evidence of course completion must be provided. 
  • Away at School Discount
    Applies to students under the age of 25 attending school more than 100 miles from home and who have no access to a vehicle. 
  • Claims-Free Discount
    Applies if there are no chargeable claims on the policy in the last five years.
  • Company Vehicle Discount
    Available when a driver in the household has full-time access to a company car. The discount cannot be applied if the company vehicle is only available for work-related travel.
  • Continuous Coverage Discount
    Applies if you have had no coverage gaps for any vehicle on a Farm Bureau Insurance auto policy in the last three years.
  • Farm Discount
    Applies if the vehicle qualifies for farm use.
  • Financial Responsibility Discount
    Applies if there have been no non-sufficient funds charges or bounced checks for premium payments made to Farm Bureau Insurance in the last three years. 
  • Good Student Discount
    Available to drivers between the ages of 15 and 24 who provide documentation demonstrating one of the following scholastic achievements: ranked in the upper 20% of their class; achieved a "B" average, or better, or a 3 point average, or better; or listed on the Dean's List or Honor Roll. If a student is homeschooled, a letter from the Home School Association can be provided verifying comparable academic achievements. 
  • Loyal Customer Discount
     Applies when an auto policy has been in force two or more years.
  • Multivehicle Discount
    Applies when there is more than one vehicle insured for the Farm Bureau membership. 
  • No Moving Violations Discount
    Applies when all drivers on an auto policy have no moving violations, as reported by the Department of Motor Vehicles, for the last three years. 
  • Personal Financial Discount
    A discount that is based on an insurance score that considers payment history and other similar factors.
  • Youthful Driver Training Discount
    Available to drivers under the age of 25 after successfully completing a driver's training course. For divers licensed after the age of 17, a certificate documenting the completion of an approved driver's training course is required to receive this discount.