SR22 Insurance South Carolina

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Reader’s Question:

I’ve heard people talk about SR22 insurance in South Carolina. I know that people don’t want it, but what exactly is it? Is that a form of auto insurance? Is it for people with a DUI or DWI on their record?


Greenville, SC

South Carolina SR22 Insuranc

No, Sarah, SR22 insurance is not really a form of auto insurance. Nobody wants to have it, as this will easily give you a hard time in getting or renewing auto insurance coverage in South Carolina or any other state. However, it can be seen as a form of insurance from a different point of view. If you carry an SR-22, it means that you have been asked by the state of South Carolina to have this, so that they can be sure that you have sufficient auto insurance coverage and that you can take care of any damages if you cause an accident.

What is SR22 Insurance?

Again, SR-22 basically wants to make sure that you can cover the other vehicle and people in the other car, and it doesn’t necessarily cover you and your car.

If the state asks you to have this SR22 insurance, it means that you have a very nasty driving record. You may just have been in an accident or there are just too many entries in your driving record. Here’s how it goes: The court or the state asks you to get SR22 insurance you then find an auto insurance company that will insure you. That insurance company will fill out the SR22 bond, and you will then present that document to the state. You have to maintain this  for two years or more. The whole thing is actually not that simple, but I have written for you is the non-complicated version. Good luck, Sarah.

 SR22 Insurance Cost

The cost to reinstate your driving privileges can be about $100.00 per suspension. The minimum liability insurance limits South Carolina are:

Bodily Injury – $25,000 limit per person and you will need $50,000 limit per accident

Property Damage Liability – $25,000 limit per accident

If your drivers license has been suspended for any reason, you will be required to file for a SR-22 certificate for 3 years depending on your situation. Expect to pay higher car insurance rates. The increase would be as much as 2-3 times as much as regular car insurance. However, do not worry. There there are a few things that you can do to find the cheapest SR22 insurance in South Carolina. S

Be sure to ask your car insurance companies for any discounts that may be available for you. This can help decrease your insurance rate.

DUI Insurance

Depending on your situation, you may have to file an SR-22 for several years. The amount of time you will need to keep an SR22 active will depend on your infraction and what the state requires. If you have it, this would alert car insurance companies and will consider you as high risk. This means that your insurance premium could increase and remain higher for years after you receive a DUI.

Your DUI will increase your rate, expect to pay more for it for at least a few years.

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