SR-22 Insurance in South Carolina

An SR-22 is a proof-of-financial-responsibility filing your insurer sends to SCDMV, tied to your auto policy.

No… it’s a standard policy with an SR-22 filing added. We can do owner or non-owner depending on your situation.

Often same day after bind… we send digital ID cards and start the SR-22 filing immediately.

Coverages are your choice… minimum limits up to higher protection. We’ll show the cost steps for liability, UM/UIM, comp and collision.

No… states use different forms. In South Carolina it’s SR-22. We’ll confirm exactly what SCDMV requires. See our quick guide on the SR-22 vs. FR-44 difference.

Yes… many choose liability only; we’ll also price full coverage if you prefer protection for your own vehicle.

Drivers reinstating a license after certain violations, suspensions, or lapses typically need an SR-22 on file with SCDMV.

We add the filing to your policy and the insurer transmits it electronically to SCDMV. You’ll receive confirmation documents.

Yes… we coordinate with your new South Carolina address and DMV requirements so coverage and filings line up. If you’re transferring from another state (for example, SR-22 in Maryland), we’ll help bridge the requirements.

A non-owner SR-22 policy satisfies the filing while you borrow or rent vehicles… great for license reinstatement without a car. Learn more: non-owner insurance in SC.

Yes… we time the new policy so there’s no lapse, add the filing, then help you cancel the old one.

No… only the individual required by SCDMV needs the SR-22 filing, but we list every regular driver for accurate pricing.

The filing fee is small… the premium reflects your risk profile. We compare multiple companies to find value for your record.

Often yes once the requirement ends and your record improves… we’ll re-shop at renewal to capture savings.

Paperless, EFT, homeowner, multi-car, telematics… availability varies. Quick tips: instant quote tips.

Yes… modest sedans like Honda Civic or Toyota Camry usually rate better than luxury or high-performance models.

Often yes… paid-in-full and EFT can reduce total cost with many carriers.

Liability coverage that follows you when driving borrowed or rented vehicles… it satisfies SCDMV’s filing without insuring a specific car.

Yes… we convert to an owner policy when you purchase a car—keeping your SR-22 active the whole time.

No… non-owner covers liability for others. If you buy a car, we can price full coverage at that time.

Usually yes… each person files separately. Underwriting varies; we’ll confirm details.

If your reinstatement requires it, yes—keep the non-owner active until you buy and switch to an owner policy.

Commonly about three years… the court or DMV sets the exact term. We’ll mark your policy to review before it ends.

The insurer must notify SCDMV… that can trigger a license suspension. We prevent gaps by timing renewals and switches.

Only if the requirement is satisfied by DMV/court. We’ll confirm in writing before removing it from your policy.

No… you carry your ID card. The SR-22 filing sits on record with SCDMV via your insurer.

Pricing can be influenced by all household drivers and vehicles… we’ll test combinations for the best overall value.

Yes… we assist with reporting, estimates, rentals, and status so you’re not alone.

We’ll do deductible math together… sometimes self-pay avoids a surcharge.

Yes… we quote first and apply good-student and telematics discounts where available.

Sometimes… underwriting rules apply. We’ll explain pros and cons before you decide.

Yes… if rates move or your record improves, we re-shop automatically and recommend the best move.