South Carolina SR22 Insurance

Need a fast, 10-minute SR22 filing for license reinstatement?

South Carolina SR22 insurance is a type of high risk insurance that’s required for license reinstatement after a suspension or a legal judgment of the court. The SR22 financial responsibility certificate must be filed with the state DMV and carried for a specific period of time, without missing any premium payments. If you own a vehicle, an owner or owner-operator SR22 certificate will be filed. If you don’t own a vehicle, a non-owners certificate is filed.

Count on UltraCar Insurance for affordable South Carolina SR22 insurance. Finding companies that offer high risk insurance at reasonable rates can be difficult. We work quickly to find you competitive quotes from top rated insurance providers. Our licensed agents start the process of reinstating your driver’s license as soon as you contact us. Many companies make service promises, but can’t deliver. UltraCar Insurance can file your certificate with the South Carolina Department of Motor Vehicles (DMV) within an hour. In many cases, this means you can get license reinstatement the same day you contact us.

What is South Carolina SR22 Insurance?

SR22 insurance is high risk insurance the state requires drivers to carry to reinstate their suspended license. SR22 is a certificate of financial responsibility. An insurance provider endorses the certificate to an auto or non-owner insurance policy and files it with the South Carolina DMV. It serves as a guarantee that the policyholder will maintain the required amount of liability insurance (see paragraph below) for a specified time period. Typically, drivers who must carry high-risk insurance must do so for three years. If the driver fails to maintain their SR22 insurance during the assigned time period, the insurance provider contacts the DMV by filing an SR26 form. When the DMV receives this filing, it will immediately suspend the motorist’s driving privileges.

South Carolina Minimum Liability Insurance Coverage Requirements:

$25,000 bodily injury per accident
$50,000 bodily injury liability for all injuries in an accident
$25,000 in property damage per accident

There are two types of South Carolina SR22 insurance – owner SR22 insurance and non owner SR22 insurance. Non owner SR22 insurance is for individuals who have a driver’s license but do not own a vehicle. See our page titled South Carolina Non Owners SR22 Insurance for more information.

Is your license suspension a result of a DUI conviction? You may need to install an ignition interlock device to reinstate your license. We partner with Intoxalock IID services to assist our customers.

State DMV

Get more information about South Carolina license reinstatement on the state website SCDMV-Driver Services.

UltraCar Insurance in South Carolina

Depend on UltraCar Insurance for quick South Carolina SR22 insurance service. Whether you need SR22 owner or non owner insurance, get SR22 quotes at low rates by calling us or starting an online quote today!

This article was last updated on March 31st, 2023 by UltraCar Insurance

South Carolina SR22 Insurance Cost

One of the most common questions we’re asked about license reinstatement is, “what is my South Carolina SR22 insurance cost per month?” The cost can be anywhere between $60 to several hundred dollars per month. Your cost will be lower for a non owner SR22 insurance policy, and higher if you own a vehicle or want full coverage insurance. If your suspension is for a DUI offense, you’ll pay much higher premiums for South Carolina SR22 insurance.