Official South Carolina Guide

South Carolina SR-22 Insurance

A complete roadmap to satisfying South Carolina DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How South Carolina SR-22 Filing Works

In South Carolina, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the South Carolina Department of Motor Vehicles (SCDMV). It serves as legal proof that you maintain the state-mandated minimum liability insurance (25/50/25) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the SCDMV and may reset your 3-year filing period.

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Who Needs to File in SC?

DUI Conviction: Driving under the influence of alcohol or drugs is the primary reason for an SR-22 mandate.
Uninsured Accident: Being involved in a reportable accident while failing to maintain valid liability insurance.
Safety Responsibility: Failure to provide proof of insurance when requested by law enforcement or following a citation.
License Revocation: Any administrative hold or court order requiring proof of financial responsibility for reinstatement.

Don't Own a Car in South Carolina?

You can still get reinstated! A South Carolina Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the South Carolina DMV requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The SC Reinstatement Timeline

Verify Requirements

Access the SCDMV 'MyDMV' online portal to confirm your specific fees and the date you become eligible for reinstatement.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate to the SCDMV database.

Pay Reinstatement Fee

Pay the mandatory restoration fee (typically $100) online through the SCDMV website or at a local branch office.

Status Valid

Once the SR-22 is verified and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in South Carolina:

First Offense

Suspension Extension

Court Fines

Significant Fines + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Potential Vehicle Impoundment

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South Carolina Filing FAQs

How much is the filing fee in South Carolina?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the SCDMV. This is separate from your monthly premium.

Can I drive out of state with a SC SR-22?

Yes. Your South Carolina SR-22 is valid nationwide. You must simply maintain the SC-specific limits (25/50/25) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the DMV if your coverage lapses.

Can I get a Non-Owner policy in SC?

Yes, South Carolina allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. South Carolina law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the SCDMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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