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If you live in South Carolina and have recently been convicted of DWI or reckless driving, you may be required to get an SR-22 to prove your financial responsibility before you get your license back. Filing for SR-22 is simple if you can find a provider willing to cover you for an affordable rate.
Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.
It’s not the fee that’s most expensive when you file for an SR-22 — you’ll typically see higher premiums than you’re used to.
SR-22s are often required after a driving conviction, such as driving without insurance or a DUI conviction. With such severe convictions on your driving record, you’re considered a “high-risk” driver by the state and most providers.
Talk to your provider about how much you can expect your rates to increase. Make sure you understand your role in maintaining your insurance and your SR-22, as a lapse or nonrenewal could set you back a lot of money and time.
These are the minimum coverage requirements for the state of South Carolina that you might see listed as 25/50/25 in insurance documents.
Find the cheapest rates from insurance providers in South Carolina. Learn more about state minimums and other requirements in the comprehensive guide to South Carolina car insurance.
In South Carolina, most court-ordered SR-22s result in a coverage requirement of three years.
A lapse in insurance coverage could cost a lot more than you might think. As soon as the lapse occurs your insurance provider is required to notify the state, which can result in your license getting suspended again.
On top of the license reinstatement fees, your filing period will “reset.” For example, if you’re a year into your three-year filing period and have a lapse in coverage you’ll have to hold the SR-22 status for another three years — rather than just two.
An SR-22 is proof of future financial responsibility. It’s a form that demonstrates you have a car insurance policy that meets Utah’s minimum auto insurance requirements.
Your state DMV will let you know if you need to file an SR-22. In South Carolina, you may need to file for an SR-22 if:
You’ll still need to file for an SR-22 to legally get behind the wheel in South Carolina. If you lose your license because you’re caught driving without insurance, the court could order you to carry non-owner insurance to reinstate your license.
If you have an SR-22 from another state, maintain it while driving in South Carolina. Call the DMV to determine if your SR-22 is sufficient in South Carolina.
Once you no longer need SR-22 coverage, you’ll be free to change insurance plans without worrying about one sending the certification before the old one drops. It’s important to be sure you’re completely clear of the mandate though, so you may want to contact your local vehicle licensing office before you cancel your current policy.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
Keeping on top of your responsibilities while under an SR-22 mandate can help you avoid getting your license suspended again, costly fees and an even longer filing period. Take care to find out what your new premiums are, when you need to renew your policy and stay within the law while driving to make the process as easy as possible.
A mark on your record doesn’t necessarily mean you’re stuck with the first insurance provider that gives you a half-decent price. Take your time and compare your options to get the most out of your policy.
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Can I wait out my SR-22 insurance in SC
Hi Steadman,
Thanks for getting in touch with Finder! To know if your SR-22 is accepted, you’ll receive a letter from your insurer and the South Carolina DMV that your SR-22 is accepted. Hope this helps!
Best,
Nikki