SR-22 in South Carolina: What You Need to Know

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An SR-22 is a certificate that proves that you carry the minimum required car insurance in your state. If you have committed a high-risk traffic offense (like a DUI), you may be required to file an SR-22. Usually, your insurance company must file the form on your behalf.
An SR-22 is not an insurance policy, but rather a certificate that states you have coverage.
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If you need to understand how an SR-22 in South Carolina could impact your insurance, keep reading!

What is an SR-22 in South Carolina?

An SR-22 is a form that high-risk drivers need to get back on the road. Many people call it "SR-22 insurance," although it’s not actually an insurance policy.
The insurance company must file the SR-22 certificate with the South Carolina DMV once it has agreed to insure you. The form proves that you have state minimum liability coverage. Note that the company must file the SR-22 on your behalf—you cannot file an SR-22 yourself.
In South Carolina, the minimum liability coverage is:
  • $25,000 for bodily injury per person in an accident
  • $50,000 for bodily injury per accident
  • $25,000 for property damage coverage
South Carolina also requires uninsured/underinsured motorist:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
An SR-22 has to be maintained for a minimum period of 36 months in South Carolina. The period could be longer if you had a lapse in coverage or if you were convicted of a serious offense.
You should renew it at least 15 days before the expiration date, otherwise you could lose coverage or even lose your license.
Key Takeaway An SR-22 is a form that proves you have minimum insurance, and you may need it if your license was suspended or revoked due to a high-risk violation like a DUI.
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Who needs it?

SR-22 insurance in South Carolina is for high-risk or non-standard drivers. Examples might include drivers who have a DUI on their record or have a history of reckless driving.
Numerous at-fault accidents on your record or driving without car insurance might also place you in the high-risk category.
If your license was revoked or suspended because of risky behavior, you will need an SR-22 form to get back on the road and regain your license.

How to get it

First, you will need to find an insurance company that is prepared to offer you insurance. Some companies will refuse to insure high-risk drivers. Make sure you tell them you need an SR-22 form.
In most cases, the insurance company will need to fill out and file the form on your behalf. You must have the official SR-22 certificate—a summary of your policy or other proof of insurance will not suffice.

How much does it cost?

You can expect to pay a nominal fee of less than $50 to file an SR-22 in South Carolina. The average range is $15 to $35.
Keep in mind that the actual cost of your new insurance plan will probably be higher than your previous plan. That’s because you’re now considered a high-risk driver.
If you don’t have your own vehicle but still need insurance, non-owner insurance could be a good option for you.

How an SR-22 impacts your insurance in South Carolina

You can expect to pay a higher premium with an SR-22 than a driver who has a clean record. You will also be limited in your choice of insurers, as some companies will not insure SR-22 drivers.
But don’t worry, you still have options. The best way for high-risk drivers to save money is to shop around to find the best possible rates.
Key Takeaway If you need an SR-22, you might be facing higher than average insurance rates—but shopping around with Jerry can help you find savings.

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