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.
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.
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.
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.
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
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,
. 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
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