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

In South Carolina, an insurance company must file an SR-22 certificate on a driver’s behalf to guarantee that the driver is carrying the mandated minimum insurance.
Written by Bonnie Stinson
Reviewed by Kathleen Flear
An SR-22 is a certificate that proves that you carry the minimum required car insurance in your state, and it must be filed by an insurance company on your behalf.
  • SR-22 is not an insurance policy, but rather a certificate that states you have the required coverage.
  • Drivers with high-risk traffic violations on record, like DUI, may be required to file an SR-22. 
  • You must pay a filing fee for the SR-22, and your insurance premiums will be higher than usual.
  • Major companies, like USAA and GEICO, offer SR-22 coverage.

What is an SR-22 in South Carolina?

SR-22 form
certifies that high-risk drivers need to get back on the road. Although some people call it "SR-22 insurance,” it’s not actually an auto insurance policy.
Once an insurance company has agreed to insure you, they must do the SR-22 filing with the South Carolina Department of Motor Vehicles. This form proves that you have a policy that meets the state minimum insurance requirements. 
Be aware that the auto insurance company must file the SR-22 with the DMV on your behalf—you cannot file an SR-22 yourself.
liability insurance coverage
in South Carolina:
  • $25,000 for bodily injury per person in an accident
  • $50,000 for bodily injury per accident
  • $25,000 for property damage coverage
uninsured motorist/underinsured motorist
in South Carolina:
  • $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 the state of 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 your SR-22 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.

Who needs SR-22 insurance in South Carolina?

South Carolina SR-22 insurance is a requirement for high-risk or non-standard drivers: 
  • You have a DUI conviction on your driving record.
  • You have a history of
    reckless driving
  • You have numerous at-fault accidents on your record.
  • You were caught driving without insurance.
If you’re facing a license revocation or license suspension because of risky behavior, you will need an SR-22 form to get back on the road and get a license reinstatement.
MORE: Is the car insurance company required to notify me if I need an SR-22?

How to get SR-22 insurance

First, find an insurance company that is prepared to offer you a car insurance policy. Some companies will refuse to insure high-risk South Carolina drivers, so be sure you tell them you need SR-22 car insurance.
Try reaching out to one of these major companies that offer SR-22 insurance:
After you purchase the policy, the insurance company will need to fill out and file the certificate of financial responsibility on your behalf. You must have the official SR-22 certificate—a summary of your policy or other
proof of insurance
will not suffice.

SR-22 insurance cost

Filing fee: Up to $50 per year
The average range is $15 to $35, depending on the company and your location.
Insurance prices: About 120% higher 
The actual cost of your new insurance coverage will probably be higher than your previous plan. Because you’re now considered a high-risk driver, your auto insurance rates will skyrocket.
If you don’t have your own vehicle but still need car insurance to get your license reinstated,
non-owner SR-22 insurance
could be a good option. It’s just minimum liability coverage, but it’ll be cheaper than full-coverage!

How an SR-22 impacts your insurance in South Carolina

Expect to pay higher insurance premiums with an SR-22 insurance policy 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 to regain your driving privileges. The best way for high-risk drivers to save money is to shop around and get insurance quotes from multiple insurance providers. A comparison shopping app like
makes it easier than ever.
Key Takeaway: If you need an SR-22, you might be facing higher-than-average insurance rates—but shopping around for quotes can help you find savings.
“I have a really bad record, so all of my previous insurance quotes were pretty high. I started using
and the fantastic app saved me $130 a month on my insurance.” —Jett A.
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