120+ more*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on September 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on September 24, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
An SR-22 is a form your insurer files with the state to verify you have minimum insurance coverage.
South Carolina drivers pay an average of $233 per month for SR-22 insurance.
You may need an SR-22 in South Carolina if you’re convicted of driving without insurance in a vehicle you own.
An SR-22 is a form that proves you carry the required car insurance coverage in South Carolina. It’s also known as a certificate of financial responsibility and may be required after serious driving violations, such as driving without insurance or a DUI.
South Carolina’s minimum car insurance requirements include $25,000 per person and $50,000 per accident of bodily injury liability coverage, as well as $25,000 of property damage liability coverage. You also need uninsured motorist coverage in the same amount as your liability coverage.[1]
If your SR-22 insurance is canceled or lapses, the state may suspend your driver’s license and registration until you file replacement proof.[2]
You may need to pay a filing fee of up to $25 for an SR-22 in South Carolina.
SR-22 Insurance | South Carolina Requirement |
|---|---|
| Minimum liability limit |
|
| Filing fee | Up to $25 |
| Time requirement | Three years from the date of suspension for certain violations, including driving an uninsured vehicle you own |
Liability rates average $178/mo. for drivers with an SR-22
The average cost of car insurance in South Carolina with an SR-22 is $178 per month for liability-only coverage and $287 per month for full coverage, according to Insurify data.
South Carolina drivers with clean driving records pay less for auto insurance, with average monthly rates of $159 for liability-only coverage and $256 for full coverage.
An SR-22 itself doesn’t directly cause your rate to increase, but the underlying violation that led to the need for an SR-22 (such as driving without insurance) might. Your specific rate depends on various factors, including the severity of the violation, your insurer, and any incidents on your driving record, such as an at-fault accident or a DUI.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $159 | $256 |
| With SR-22 | $178 | $287 |
The cheapest insurance company for South Carolina drivers with an SR-22 is USAA, with an average liability rate of $81 per month.
Explore liability-only and full-coverage insurance rates in South Carolina for drivers with an SR-22 in the table below.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $81 | $133 |
| Auto-Owners | $87 | $143 |
| State Farm | $91 | $148 |
| GEICO | $123 | $187 |
| Progressive | $139 | $220 |
| Travelers | $150 | $248 |
| Safeco | $161 | $207 |
| Allstate | $167 | $268 |
| Direct Auto | $177 | $279 |
| State Auto | $183 | $300 |
| National General | $184 | $280 |
| Root | $193 | $294 |
| GAINSCO | $194 | $358 |
| AssuranceAmerica | $210 | $299 |
| The General | $210 | $448 |
| Liberty Mutual | $212 | $347 |
| Dairyland | $213 | $424 |
| First Acceptance | $235 | $380 |
| Bristol West | $286 | $486 |
You may need an SR-22 in South Carolina if your driving privileges have been suspended and the South Carolina Department of Motor Vehicles (SCDMV) requires you to have proof of financial responsibility as a condition of license reinstatement.
One example the state mentions is driving an uninsured vehicle that you own. In this case, you’ll need to file an SR-22 for three years from the date of suspension and fulfill other reinstatement requirements, such as paying a $700 uninsured motorist fee.[3]
Follow the steps below to get an SR-22 in South Carolina:
Check your SCDMV requirements. First, confirm what you must do to restore your driving privileges. Requirements can vary depending on the reason for your suspension. For example, SC drivers who are caught driving an uninsured vehicle they own must have their insurer file an SR-22 for three years beginning on the suspension date.
Get insurance that meets South Carolina’s minimum coverage requirements. Request car insurance quotes from several different insurance companies that offer SR-22s in South Carolina. You must purchase a policy that meets the state’s minimum coverage requirements of 25/50/25.
Ask your insurer to file the SR-22. Once you choose an insurance company, they’ll need to file the SR-22 form with the SCDMV on your behalf.
Pay any applicable fees. You may have to pay an SR-22 filing fee of up to $25. This is separate from any license reinstatement fees you may also owe. South Carolina may charge a $100 reinstatement fee for each suspension.[4]
Maintain continuous coverage. Be sure to keep your SR-22 for the entire period the SCDMV requires. A lapse in coverage can result in another suspension of your driver’s license and vehicle registration.
See quotes from top insurers in minutes
South Carolina generally requires drivers to maintain an SR-22 for three years from the date of suspension, including drivers convicted of driving an uninsured vehicle they own. One barrier drivers may face when obtaining an SR-22 in South Carolina is the higher cost of car insurance.
An out-of-state resident may qualify for an SR-22 waiver in South Carolina by completing Form DL-222.
Explore answers to frequently asked questions about SR-22s in South Carolina.
South Carolina requires certain high-risk drivers to get SR-22 insurance. This may include drivers who have had a license suspension after serious violations, such as driving under the influence (DUI) or driving without insurance.
You generally need SR-22 insurance in South Carolina for three years after the suspension date for driving an uninsured vehicle that you own.
Yes. But it’s crucial not to cancel your old policy until your new one is active to avoid a lapse in coverage. Your new insurance company will need to file an SR-22 form for you.
Once you’ve had the SR-22 for the amount of time required by the state, contact your insurance company before making changes to your coverage. An insurer files an SR-26 with the SCDMV to notify the department when it cancels your financial responsibility coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
