South Carolina SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of South Carolina
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How SR-22 works in South Carolina
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the South Carolina Department of Motor Vehicles (SCDMV) to prove you carry at least the state minimum coverage. South Carolina law requires one before SCDMV reinstates a license suspended or revoked after a conviction, such as a DUI, and SCDMV requires one after a conviction for driving a vehicle you own without insurance. You typically keep it for 3 years from the date SCDMV requires it.
- Your insurance company or agent files the SR-22 with SCDMV for you, and it can be sent electronically
- Keep the policy active the whole time. If it's cancelled, your insurer has to tell SCDMV right away, and your license and registration can be suspended until a new SR-22 is on file
- A licensed agent can quote it today and explain your options
South Carolina minimum car insurance
South Carolina requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, often written as 25/50/25. Every policy must also include uninsured motorist coverage at those same limits. Insurers must offer underinsured motorist coverage too, but it's optional. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in South Carolina
If you don't own a car, South Carolina law accepts an SR-22 on a policy issued to a driver who doesn't own a vehicle (a non-owner policy), which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across South Carolina
We help drivers anywhere in South Carolina. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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South Carolina SR-22 questions
Who needs an SR-22 in South Carolina?
South Carolina law requires one before SCDMV reinstates a license suspended or revoked after a conviction, such as a DUI. SCDMV also requires one for 3 years after a conviction for driving a vehicle you own without insurance. A suspension for refusing a breath test or for your alcohol level at arrest doesn't need one by itself. If you aren't sure, check the notice SCDMV sent you or ask a licensed agent.
How long do I need an SR-22 in South Carolina?
Typically 3 years from the date SCDMV requires it. After 3 years, SCDMV can release it at your request if it has no record of a new conviction that would suspend your license in that time. If you aren't sure of your dates, ask SCDMV.
What happens if my SR-22 lapses in South Carolina?
Your insurer has to tell SCDMV right away when the policy is cancelled, and SCDMV can suspend your license and registration until a new SR-22 is on file. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in South Carolina without a car?
Yes. South Carolina law accepts an SR-22 on a policy issued to a driver who doesn't own a vehicle (a non-owner policy). A licensed agent can quote one.
Sources: SCDMV: facts about driving uninsured and SR-22 · SC Code 56-9-500 to 56-9-630: proof of financial responsibility
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