SR-22 South Carolina

You will need to buy SR-22 insurance if your South Carolina driver’s licence is suspended. SR-22 insurance isn’t a type insurance. However, it’s sometimes called such. This is proof that you have insurance.

While some states may use SR-22 forms like FR-44 forms to verify insurance coverage, South Carolina uses SR-22 certificates. An SR-22 on your South Carolina record will impact your car insurance premium. It also comes with additional costs.

What is “SR-22 insurance?”

SR-22 insurance is a unique type of proof of insurance. It is a certificate that you have the minimum required car insurance in South Carolina. This is represented by 25/50/25. This includes the following personal liability coverages.

  • $25,000 bodily injury liability coverage per individual
  • $50,000 bodily injury liability coverage per accident
  • $25,000 per accident in property damage liability coverage

South Carolina SR-22 is not required for high-risk drivers. Drivers who are convicted of DUI, have their license suspended or are involved in serious traffic violations, or cause an accident that causes fatalities or injuries, will be subject to SR-22 insurance.

Although the process for obtaining an SR-22 certificate is easy, not all auto insurance companies offer it. Look for a non-standard carrier if your car insurance company does not offer SR-22 coverage. The insurance company will ask you to complete paperwork and pay a filing fee. The document will then be sent to the South Carolina DMV by the insurance company.

SR-22 South Carolina Alternatives

South Carolina does not require drivers to have SR-22 insurance unless they are involved in a serious accident, violation or suspension of their license. Other states, however, use SR-22 options to verify proof of insurance coverage. The type of violation, financial responsibility requirements, and number of offenses can all affect the type of certificate that is required.

These are some of the most common SR-22 options you’ll find in other states.

FormIssued by the StatesMinimum requirements for insurance
SR-22All states except Delaware, Kentucky, Minnesota, New, Mexico, New York, North Carolina, Oklahoma, and PennsylvaniaMinimum insurance coverage in the state
SR-19California and TexasMinimum uninsured motorist coverage (UM) in your state
SR-21Florida, Georgia, and IndianaMinimum insurance coverage in the state
SR-22AGeorgia, Texas, and MissouriMinimum insurance coverage in the state
FR-44Florida and VirginiaMinimum coverage in the state with higher limits of liability insurance
SR-50IndianaMinimum insurance coverage in the state
  • SR-19 California, Texas and other states use SR-19 forms. An SR-19 form must be filed first if a driver is hit by an uninsured motorist.
  • SR-21:SR-21 forms can be used in Florida, Georgia, and Indiana. The SR-21 form can be used to verify the driver’s insurance coverage in the event of a serious accident.
  • SR-22A Texas, Georgia, and Missouri use SR-22A Forms, which are essentially identical to a standard SR-22. Drivers who have been convicted of serious offenses must complete the SR-22A form in order to regain their driving privileges.
  • FR-4: Only Florida and Virginia use FR-44 forms. Although the FR-44 looks similar to an SR-22 form, drivers must have FR-44 liability coverage.
  • SR-50:SR-50 forms can only be used in Indiana. If a driver is involved in an accident, or has been cited for any traffic violations, the SR-50 form will be used to verify their car insurance coverage. This form does not have to be tied to a license suspension.

Non-owner SR-22

You will need to obtain a certificate known as a non-owner SR-22 if you borrow someone else’s vehicle during the violation. This form is required only if you have lost your driver’s license or do not own a car. Non-owner SR-22 insurance is the same insurance requirements as standard SR-22s.

Insurance costs in South Carolina SR-22

An SR-22 certificate is usually filed in South Carolina for less than $50. The cost of filing an SR-22 certificate varies depending on which insurance company you choose. A $100 license reinstatement fee will be required if your license has been suspended.

An SR-22 conviction on a driver’s record can result in higher car insurance rates than the average driver. This is especially true for those who were convicted of a drug or alcohol-related crime. South Carolina drivers caught without insurance will pay a premium when they apply for a policy. This applies even if the policy is liability-only.


What length of time do I need an SR-22 South Carolina?

South Carolina SR-22 insurance is required for drivers. The certificate must be kept on your record for at least three years. It is possible to keep the certificate on your records for more than three years, depending on the type and number of violations.

How can I obtain SR-22 insurance for South Carolina?

You will need to complete some paperwork and pay the filing fee in order to get SR-22 insurance evidence in South Carolina. You will need to purchase a policy if you don’t have insurance. The insurance company must file the SR-22 form at the South Carolina DMV. Once the paperwork is processed, you will receive confirmation.

What is the cost of SR-22 insurance in South Carolina?

SR-22s are inexpensive in South Carolina. A small filing fee is required, usually less than $50. The cost of SR-22 insurance does not include factors such as your age, credit score and ZIP code.

How can I find cheap SR-22 insurance for South Carolina?

Call a few South Carolina insurance companies to find affordable SR-22 insurance. Ask about the filing fee. Even if you don’t have car insurance, the company with the lowest filing fee is the best.