South Carolina SR-22 Car Insurance

If you're required by law to get an SR-22 in South Carolina, you're not the only one. This fairly common insurance requirement is sometimes necessary after a violation like a DUI, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or amassing excessivelicense points.

Getting affordable car insurance with a SR-22 in South Carolina might require some effort, but the savings are worth the trouble. The Zebra examined how much a SR-22 certificate typically costs in South Carolina and how to easily get one — let's look at the details.

How much does South Carolina SR-22 insurance cost?

Insurance with an SR-22 stipulation in South Carolina will probably be expensive. This isn't a direct cost of the SR-22 — filing fees usually total $15 to $35 — but a product of the insurance rate increases from the citation that necessitated the SR-22 in the first place.

Insurance companies charge high-risk drivers higher rates to account for the heightened chance of having to pay out a claim after a crash. The rate increase you will face will depend on the frequency and severity of your infractions — listed below are average car insurance prices with an SR-22 certificate in South Carolina.

High-risk rating factorAverage yearly rateIncrease vs. clean record
No violations$1,414
At-fault collision (>$2,000)$2,012$598
Speeding (21-25 mph > limit)$1,709$296
Reckless driving$1,924$510

If you're in need of inexpensive car insurance with a SR-22, The Zebra is ready to assist. Enter your location below to receive personalized car policy quotes from popular insurers.

How to acquire an SR-22 in South Carolina

For currently insured drivers

If you currently have auto insurance, obtaining an SR-22 certificate is straightforward. Contact your insurance company ask them to file a SR-22 request on your behalf. If your insurer isn’t willing to request a certificate, you'll need to look for a new car insurance company.

If you're currently uninsured

When filing for a new policy, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 could keep you from being insured by some carriers, while others would be happy to cover you.

Don't own a car?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning your own car makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, you should buy a non-owners insurance policy before filing for an SR-22. Non-owners auto coverage is often cheaper than a traditional policy since it doesn't insure against physical damage to your vehicle.


The Zebra conducted comprehensive auto insurance pricing analysis via its proprietary quote engine, including data from rating platforms and public rate filings. The Zebra examined almost 53 million rates to explore trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their effect on auto insurance rates.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.