Cheap SR22 South Carolina Auto Insurance

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An SR-22 insurance is the increased insurance premium that a driver, with a traffic offence or violation on his record, is required to pay for a mandated period of time as proof of future financial responsibility in the event that another offence occurs in the future.

This new insurance rate must be paid after an SR-22 form has been filed with the South Carolina DMV. The maintenance of this filing hinges on the relevant individual’s consistency in maintaining their insurance policy and unless this filing is maintained for the court-mandated period, such a person is unlikely to have their driving privileges and license reinstated.

SR22 insurance

Drivers Who Need South Carolina SR22 Insurance

Reckless Driving

DUI/DWI violation

Driving Uninsured

SR22 insurance

Offences and violations that require the filing of an SR-22 are:

  • Multiple convictions for driving without valid insurance
  • Inability to pay for damages accrued after being involved in an accident that a court has found one at fault for.
  • Suspended license
  • Revoked or restricted license
  • A DUI conviction.

In the event that you are a first DUI offender in the state of South Carolina, you may be required to carry a provisional license for a few months along with an ssr2 certificate if you are to drive legally.

If you have committed any of the relevant offences but are uncertain as to whether or not your license has been suspended, you can contact the South Carolina DMV to confirm the status of your license. Normally, though, the DMV would inform you if your license has been suspended or if you ever need to file for an SR-22.


Cost of an SR-22 policy in South Carolina

Along with the filing of an SR-22 form in South Carolina, also comes increased cost of insurance. The increase in the cost of the insurance policy is due to the implicit classification of a driver as ‘high risk’ by the filing. High risk here would mean that one would have to pay insurers more to take them on due to the increased likelihood, by lay, of being involved in an accident.

Other than the cost that results from being legally classified as a high risk driver, there is a relatively insignificant filing fee of less than $50 charged by your insurance provider for filing the SR-22 form on your behalf.

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Cheap SR22 Car Insurance South Carolina

Types of SR-22 forms available in South Carolina

There are three types of SR-22 certifications for drivers in South Carolina. They are:

  • The operator’s certificate. This certificate is an endorsement for drivers who do not own cars. It would cover them legally while they drive the non-owned cars.
  • Owner’s certificate. This endorses drivers that own their own cars and would only cover them while they are driving their own cars.
  • Operators-owners certificates. This covers drivers while they are operating any car, regardless of whether or not they own it.

What to do if you have no car or license

If you do not have a car or license but have committed an offence that requires an SR-22 filing, you would be required to file for the operator’s form through your insurance provider and buy a non-owners insurance policy if you ever hope to drive legally in South Carolina.

The non owner policy is cheaper than the standard insurance policies because the insurers expect the carrier of such a policy to drive less frequently and as such have made the policy to provide only liability coverage.

However, if you have regular access to any single car, whether or not you own it, and you drive it regularly, you would need to get a standard car insurance policy. An alternative to this is to get added to the car owner’s policy

How to file for an SR-22 in South Carolina

The SR-22 form acts as a proof of financial responsibility, required by the South Carolina DMV, in order to have a suspended or revoked license reinstated. This financial responsibility lies in your accompanying insurance plan’s ability to meet the minimum liability coverage requirements of the state. These minimum requirements are:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $25,000 property damage coverage

Once an adequate insurance policy has been purchased, the next step is having your insurer file the SR-22 form. Provided you have verified that your policy provider files such forms and makes arrangements to cater to the needs of SR-22 classified drivers, the next step is to pay the filing fee and request for the filing of the form.

After the filing fee has been paid and the form has been filed, the DMV would give a notice to confirm your form has been filed and you would only then be legally approved to drive again. In the event that you fail to maintain your SR-22 insurance coverage or there is a lapse in coverage at any time during your mandated period of maintenance, the insurance provider is required by law to file an SR-26 with the DMV, notifying them of this lapse. This would most likely result in the withdrawing of your driving privileges, pending a renewal of your policy and payment of certain fines and reinstatement fees. Another increase in your insurance rate is also sure to follow.

It should be noted again that the SR-22 must be filed through an insurer and as such you would need a car insurance policy provider that offer the service you want.

If you are from another state or are moving to another state

When moving out of South Carolina to another state while you are maintaining an SR-22, it is important to maintain the SR-22 within the state to continue your bid to have your license reinstated and to be allowed to legally drive in whatever new state you find yourself in. the same applies for if you are just moving into South Carolina. In both cases, it might be important to also contact the DMVs of your new locations to find out if your insurance policies still meet the local minimum liability coverage requirements.

Maintaining an SR-22 form in South Carolina

The minimum period of maintenance of an ssr2 insurance policy in South Carolina is three years but this could still rise due to lapses in maintenance or new convictions accrued during the original period of filing.

What to do if the SR-22 lapses

If, under any circumstances your SR-22 insurance policy lapses, your provider would inform the state and your license would probably be suspended again. In addition to this, you would be required to pay reinstatement fees for your license and the period of maintenance of your SR-22 filing would be reset by the state, no matter how far along you were before the lapse.

In other to avoid this, it is advised that you renew your policy about a month before expiry to prevent any lapses in coverage. And if you need to change a policy or provider, ensure that the new policy has been confirmed before cancelling the previous one.

How to go about cancelling my filing when I no longer need SR-22 coverage

Once your mandated filing period has been completed, you can have your SR-22 filing cancelled. The safest way to go about this is by contacting the South Carolina DMV to confirm that your mandate has been completed before going on to notify your insurer that the filing should be cancelled.

Upon cancelling your policy, your insurance rates would go back to the standard rates.


Frequently Asked Questions (FAQ)

  • How long do you have to have SR-22 in South Carolina?
  • The minimum period of maintenance of an SR-22 insurance policy in South Carolina is three years but this could still rise due to lapses in maintenance or new convictions accrued during the original period of filing.

    SR22 insurance

  • How much does SR-22 insurance cost in South Carolina?
  • In South Carolina, the cost of filing the SR-22, as set by insurance providers, varies from $20 to $50 and but the average insurance rates of drivers with the filing is $1,905.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How much a month is SR-22 insurance?
  • The SR-22 filing fee is a one-time fee but the inflated premiums you are required to pay as part of insurance policy can be paid in a manner agreed upon between you and your provider. This amount would vary from provider to provider but the average cost in South Carolina is $167. It can be further increased in the event that other driving offences are committed during the duration of your mandate.

  • How do I get rid of an SR-22?
  • Once your mandated filing period has been completed, you can have your SR-22 filing cancelled. The safest way to go about this is by contacting the South Carolina DMV to confirm that your mandate has been completed before going on to notify your insurer that the filing should be cancelled. Upon cancelling your policy, your insurance rates would go back to the standard rates.

  • How much does SR-22 raise your insurance?
  • In South Carolina, an SR-22 raises a driver’s insurance rates by an average of 27%.

  • How do I know when I no longer need SR-22?
  • In some cases, the DMV sends a notice upon expiry of the coverage period but if they don’t, you can contact them to confirm that you no longer require the filing. Once confirmed, you can contact your provider to inform them that you no longer need the SR-22 after which they would cancel your filing and your premiums would return to normal.

  • When can I get off SR-22?
  • Once your mandated filing period has been completed, you can have your SR-22 filing cancelled.

  • What does SR-22 mean?
  • An SR-22 insurance is the increased insurance premium that a driver, with a traffic offence or violation on his record, is required to pay for a mandated period of time as proof of future financial responsibility in the event that another offence occurs in the future.

  • How can I get an SR-22 without a car?
  • If you do not have a car but have committed an offence that requires an SR-22 filing, you would be required to file for the operator’s form through your insurance provider and buy a non-owners insurance policy if you ever hope to drive legally in South Carolina.

  • Can I drive someone else’s car with SR-22?
  • You can drive another person’s car with an SR-22 in South Carolina but to do so, you would have to purchase a non owner insurance policy with a provider of your choice