South Carolina SR22 Insurance

South Carolina SR22

The SR-22 form is required for three years from the end of suspension or in some cases from the beginning of compliance. If the driver is issued a provisional license an SR-22 must be maintained for that 6 month period. In the event you do not own a vehicle and are required to file an SR22 you can purchase non-owner SR22 insurance.

How do I get an SR-22 insurance policy?

  1. Ask your current or future insurance company to add an SR-22 to the auto policy. This will usually cost an additional $15-$25 for the company to add this certificate.
  2. If you don't have insurance yet or want to find cheaper auto insurance you can use our service to compare rates for sr22 insurance companies.
  3. Provide the insurance company your specific case information that will be needed so the state will receive your SR-22.
  4. Confirmation from the state will be sent once they receive the SR-22 form from the insurance company.

SR22 Quotes:

What if I let my SR22 insurance policy lapse or cancel?

It is crucial you maintain the auto insurance your sr22 is attached to so that you don't have to pay any additional fines or start your suspension period over. If you are considering switching insurance companies it is recommended to get confirmation from the new company that the policy is in force before cancelling the old policy.

South Carolina Liability Insurance Requirements

The state of South Carolina requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

    • $25k Per Person Bodily Injury
    • $50k Per Accident Bodily Injury
    • $25k Property Damage

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Suspended License Reinstatement

There are numerous reasons why a driver would need to file an SR-22 with the South Carolina Department of Motor Vehicles. Below is a list of the most common:

  • Driving under the influence (DUI)
    • 1st offense is 6 month suspension
    • 2nd offense is 1 year suspension
    • 3rd offense is 2 year suspension
  • Driving while license is suspended
  • Operating an uninsured vehicle
    • Indefinite suspension period with $550 reinstatement fee
  • Failure to maintain SR-22 insurance

Each one of these violation has it's own suspension period which can be found at the DMV website.

The average fee to reinstate your license is $100 unless otherwise stated.

Driving Under the Influence (DUI) in South Carolina

It is unlawful to operate a motor vehicle in South Carolina if you have a blood alcohol concentration of .08 or higher. The amount of your penalty fine and suspension period will vary depending on how high your BAC registers.

Drivers under the age of 21 who have a BAC of .02 or higher are considered to be driving under the influence of alcohol. Commercial drivers also have a strict limit which they must stay under which is .04.

Implied Consent Law in SC

When you get your drivers license in South Carolina you have consented to a chemical test of your BAC. If you refuse this test your license will be suspended for at least 90 days and you are still able to be charged of a DUI. This is special circumstances but does occur from time to time.

Required to get an Ignition Interlock Device?

This device is just like a breathalyzer that doesn't allow you to operate a vehicle if your blood alcohol level is too high. If you are required to install one of these devices it must be installed by a certified party and the device must comply with state law.

If you are convicted of a second offense for the following violations you are required to have and IID:

  • Driving under the influence of alcohol or drugs
  • Driving with an unlawful alcohol concentration
  • Causing great bodily injury or death while driving under the influence

Can I refuse to have the IID installed?

Yes, but if refused your license will be suspended for three years.

What if I don't own a vehicle, what requirements do I need to meet?

If you do not own a vehicle but are required to have an IID you must certify that you will not drive any vehicle other than one owned by your employer and that you will not own a vehicle during the IID restriction period.

SR22 in SC

SR22 Articles

5 Ways to Reduce the Cost of SR22 Insurance

Learn About SR22 Insurance

FR44 Form for Florida and Virginia

Tips to Find Cheap SR22 Insurance Online

How to Remove or Cancel SR22 Filing Without Being Penalized

Will My Auto Insurance Company Drop Me After A DUI?

State Resources

Department of Motor Vehicles

Driver's License Office Locations

Driving Record Copy

Drivers License Reinstatement Online


SR22 Insurance FAQs

What is an SR-22?

Where do I get cheap SR22 insurance?

Can I get an SR-22 if I don't own a car?

How long is the SR-22 valid?

How much does SR22 insurance cost?

What if I move to another state, do I need an SR22?

Can I switch insurance companies when I have an SR22?

Who needs an SR22?

Is SR22 insurance valid in multiple states?

Do I need an SR 22 for each vehicle I own?


SR22 by State


New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Rhode Island
South Carolina
South Dakota
Washington D.C.
West Virginia