Reliable SR22 Insurance South Carolina: Get Back on the Road After a DUI
If you need SR22 insurance in South Carolina after a DUI, we provide affordable, reliable coverage to meet state requirements and get you driving legally again.
Why Choose Our Reliable SR22 Insurance South Carolina Services
Expertise in High-Risk Coverage
We specialize in providing auto insurance solutions for drivers who need SR22 filings after violations like DUIs. Our team understands South Carolina’s specific requirements and works with multiple providers to find you the most affordable rates.
Fast SR22 Filing
We electronically file your SR22 certificate directly with the South Carolina DMV, typically within 24 hours. This quick processing helps you regain your driving privileges faster and ensures compliance with state laws.
Continuous Support
Throughout your SR22 requirement period (typically 3 years in South Carolina), we provide ongoing support to ensure your coverage remains active. We’ll notify you before policy renewals and help you transition to standard car insurance once your SR22 period ends.
South Carolina SR22 Insurance Requirements & Regulations
Understanding South Carolina’s specific SR22 requirements is essential for maintaining your driving privileges after a DUI or other serious violations.
Minimum Liability Coverage in South Carolina
| Coverage Type | Minimum Requirement | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses for one person in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses for all people in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s property in an accident you cause |
| Uninsured Motorist | $25,000/$50,000 | Protection if you’re hit by an uninsured driver |
How Long You Need SR22 Insurance in South Carolina
In South Carolina, drivers typically need to maintain SR22 insurance for three years following a DUI conviction. However, this period can vary based on:
- Severity of the offense
- Prior violations on your record
- Whether you complete required programs
- Compliance with all court requirements
It’s crucial to maintain continuous coverage throughout this period. Any lapse can result in license suspension and restarting the SR22 requirement period.
SR22 Insurance Cost Comparison in South Carolina
SR22 insurance typically costs more than standard auto insurance due to the high-risk designation. Below is a comparison of average annual premiums:
| Driver Profile | Standard Insurance | SR22 Insurance | Increase |
|---|---|---|---|
| Clean Record | $1,200 | $2,400 | 100% |
| One DUI | $1,800 | $3,600 | 100% |
| Multiple Violations | $2,500 | $5,000 | 100% |
These are average estimates. Your actual car insurance costs will depend on your specific driving history, age, vehicle, and other factors.
Frequently Asked Questions About SR22 Insurance South Carolina
SR22 isn’t actually insurance—it’s a certificate of financial responsibility that your insurance company files with the state to prove you carry the minimum required auto liability coverage. When people refer to “SR22 insurance,” they mean an auto insurance policy that includes this filing requirement.
South Carolina typically requires SR22 filing for three years following a DUI conviction. The clock starts from the date your license is reinstated, not from the date of the violation. It’s essential to maintain continuous coverage throughout this period without any lapses.
SR22 filing itself usually costs between $15-$25, but the bigger impact is on your insurance premiums. Drivers with SR22 requirements typically pay 50-100% more than standard rates. For example, if you were paying $1,200 annually before, you might pay $2,400-$2,800 with an SR22 requirement.
Yes, non-owner SR22 policies are available for drivers who don’t own a vehicle but still need to meet state requirements. This provides liability coverage when you drive vehicles you don’t own. Non-owner insurance is often more affordable than standard policies with SR22 filing.
If your SR22 insurance lapses for any reason, your insurance company is required to notify the South Carolina DMV. This will result in immediate license suspension, and you may need to restart the entire SR22 requirement period. It’s crucial to maintain continuous coverage.
Yes, you can switch providers, but you must ensure there’s no gap in coverage. Your new insurer will need to file a new SR22 certificate before your previous policy cancels. We can help facilitate this transition smoothly.
Besides DUI, South Carolina may require SR22 filing for: driving without insurance, multiple traffic violations in a short period, at-fault accidents without insurance, reckless driving, and driving with a suspended or revoked license.
Additional Insurance Services in South Carolina
While helping you with your SR22 requirements, we can also assist with other insurance needs:
Homeowners Insurance
Protect your home and belongings with comprehensive homeowners insurance coverage tailored to South Carolina’s specific risks, including hurricane and flood protection.
Motorcycle & RV Insurance
Get specialized coverage for your motorcycle, ATV, or recreational vehicle. We offer recreational vehicle insurance with options for custom equipment and accessories.
Business Insurance
Protect your business with comprehensive business insurance solutions, including liability, property, and commercial auto coverage.
Multi-State Coverage
If you move or frequently drive in other states, we can help with SR22 requirements across state lines and ensure you maintain proper coverage wherever you go.
Last Updated on by Ruby Finley