How to Get SR22 Insurance in South Carolina (2025 Guide)
If you’re required to get SR22 insurance in South Carolina, don’t stress—we’ve got your back. Whether it’s due to a DUI, license suspension, or a lapse in coverage, this guide breaks down everything you need to know to get back on the road, fast.
Who Needs SR22 Insurance in South Carolina?
SR22 is a certificate your insurance company files with the South Carolina DMV to prove you have liability coverage. You might need one if you’ve had:
- A DUI or DWI conviction
- Reckless driving or multiple violations
- An accident while uninsured
- Your license suspended or revoked
- Any court-ordered SR22 requirement
In short: if the court or DMV told you to file an SR22, we can help make it happen.
How to File for SR22 in South Carolina
Getting started is easier than you think. Here’s how it works:
- Call an insurance agency (like Foxx Insurance) that offers SR22 filing in SC.
- Get a policy that meets South Carolina’s minimum liability requirements.
- We file the SR22 electronically with the DMV for you—easy.
- Once approved, you’re good to go for license reinstatement.
Heads up: You can’t file SR22 yourself—only your insurer can submit it to the state.
How Much Does SR22 Insurance Cost in South Carolina?
The SR22 form itself is cheap—usually around $15 to $25 to file. But your monthly rate will likely go up based on the violation that caused the requirement.
Things that affect your rate include:
- Driving history and age
- Type of vehicle
- Your zip code
- Length of time the SR22 is required
The best way to know your rate? Get a quick quote from a licensed agent. We’ll walk you through it, no pressure.
How Long Do You Need SR22 in South Carolina?
Most drivers in South Carolina are required to keep SR22 insurance for three years, but your exact term depends on your case.
Warning: If your policy cancels or lapses before your SR22 term ends, the DMV gets notified, and your clock could reset. Keeping continuous coverage is key.
Need SR22 but Don’t Own a Car?
No problem. A non-owner SR22 policy is a great option if you drive occasionally but don’t own a vehicle. It’s typically cheaper and still satisfies South Carolina’s SR22 requirement.
Get SR22 Insurance in South Carolina with Foxx Insurance
At Foxx Insurance, we help real people get SR22 coverage every day. Whether it’s your first time or you’ve been through this before, we’ll make the process smooth and stress-free.
- ✔️ Licensed in South Carolina
- ✔️ Fast electronic SR22 filing
- ✔️ Friendly, no-judgment agents
→ Get your free SR22 quote now
Frequently Asked Questions
What if I move out of South Carolina?
You still need to maintain your SR22 coverage until the required period ends. Some states may accept your South Carolina SR22, but confirm with your new DMV and insurance agent.
Can I get SR22 without a car?
Yes! That’s what a non-owner SR22 policy is for. It’s ideal for drivers who need coverage but don’t own a vehicle.
Is SR22 the same as regular car insurance?
Not exactly. SR22 isn’t insurance—it’s a form your insurer files to prove you have liability coverage. It’s usually attached to a standard or non-owner policy.