South Carolina SR-22 Insurance: What It Is and How Much It Costs

South Carolina drivers involved in high-risk driving violations like driving under the influence (DUI) and reckless driving need an SR-22 form. This form is filed by their insurance company with the state’s Department of Motor Vehicles (DMV) and confirms that they meet the state’s minimum car insurance requirements. SR-22 insurance is the same product as standard car insurance, but premiums are higher due to the violations. MoneyGeek found that the cheapest South Carolina car insurance provider for SR-22 insurance is State Farm, with an average annual cost of $625.


Which South Carolina Insurance Companies Offer the Cheapest SR-22 Insurance?

The severity of the driving violations involved makes SR-22 insurance more expensive than standard car insurance. While the form itself only costs a small one-time fee, car insurance rates can rise steeply due to the risks associated with offenses like DUIs, hit-and-runs and reckless driving. Minimum coverage SR-22 insurance in South Carolina costs about $983 per year on average when an SR-22 form is filed as a result of a DUI offense. In contrast, a typical insurance policy without an SR-22 is about $630 annually.

There are many options available if you’re looking for cheap SR-22 insurance in South Carolina. MoneyGeek found that the cheapest provider of SR-22 car insurance in South Carolina was State Farm, with an average annual cost of $625 per year for a minimum coverage policy.

Cheapest Companies for SR-22 Insurance in South Carolina

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These costs are for a policy with the minimum car insurance requirements of South Carolina or a full coverage policy including $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs.

Other factors can contribute to the cost of SR-22 insurance in South Carolina, including filing fees, the severity of your offense and the loss of previous discounts. With different providers, average insurance costs can vary widely. Be sure to compare rates from at least three providers to find the most affordable SR-22 insurance in South Carolina.

Key Takeaways


There is usually a one-time filing cost of $25 associated with an SR-22 form.


If you need an SR-22, you’ll no longer be eligible for discounts aimed at safe drivers, making your insurance more expensive.


The severity of your violations dictates the rates you have to pay. The more serious the offense, the steeper the rates.

What Is SR-22 Insurance in South Carolina? Who Needs It? How Do You Get It?

While generally referred to as “SR-22 insurance,” SR-22 is not a type of insurance policy. Rather, it is a form your insurance provider needs to file on your behalf with the state if you have serious traffic violations on your record. This form indicates that your insurance meets the minimum liability coverage requirements of your state. Insurance after a DUI can be expensive. In South Carolina, auto insurance providers are required to file SR-22 forms electronically on behalf of customers, but please check with your provider to learn about their specific policies.

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Drivers filing an SR-22 need to prove they meet the state minimum requirements for South Carolina. These include:

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

Who Needs SR-22 Insurance in South Carolina? And for How Long Do They Need It?

Violations that require SR-22 insurance differ across states. In South Carolina, you will almost surely need SR-22 coverage if you have any of the following on your record:

  • DUI
  • Reckless driving
  • Driving without insurance
  • Driving with a suspended license

With minor violations, there is generally no need for SR-22 coverage. South Carolina drivers looking for car insurance after an accident or a ticket won’t have to pay the same high costs that come with SR-22 coverage.

How long you need SR-22 insurance in South Carolina depends on the seriousness of your driving violation. In most cases, the duration is three years. For a revoked license, this period starts when the license is reinstated. The period could extend depending on the conviction or as a result of a lapse in coverage.

How Do You Get SR-22 Insurance in South Carolina?

Typically, your insurance provider files an SR-22 form with the state at your request. This is done through South Carolina’s DMV after you pay the associated filing costs. Since higher-risk drivers need to file SR-22 forms, you might be refused coverage from specific providers. When you do obtain coverage, your rates will typically be much higher than they were before the violation. Exploring quotes from different providers can help you find rates that fit your budget.


Non-Owner SR-22 Insurance in South Carolina

If you record a major driving violation and have your license suspended, you may need to file an SR-22 form and buy insurance to get your license reinstated, even if you don’t own a car.

In this situation, the most affordable option in South Carolina is non-owner car insurance. These policies are cheaper than a traditional policy for vehicle owners. Non-owner insurance is best for those who need proof of insurance — even if they don’t drive regularly — and those who often drive cars they don’t own, such as people who frequently rent cars or borrow them from friends.

The average cost of non-owner car insurance in South Carolina for SR-22 filers is $613 per year, but rates vary by company. On average, the least expensive SR-22 non-owner insurance in South Carolina is from GEICO at a rate of $340 per year. The next cheapest provider is State Farm, with an average annual premium of $551.

The Average Cost of Non-Owner SR-22 Car Insurance in South Carolina

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MoneyGeek determined rates for non-owner car insurance for drivers with a DUI on their record, buying policies in South Carolina covering $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in South Carolina

Below are some commonly asked questions about rates, insurers to shop with and the form filling process for drivers looking for SR-22 coverage:

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MoneyGeek analyzed car insurance premiums from seven of the top insurance companies in South Carolina that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across South Carolina. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.