South Carolina SR-22 Car Insurance

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in South Carolina, you are not alone. This relatively common legal requirement is prompted by citation like a DUI, a citation for driving with no insurance, a collision causing substantial property damage, a ticket for driving with a suspended license, or accruing too many license points.

Finding cheap coverage with an SR-22 in South Carolina might take some effort, but it could be worthwhile. We examined how much money a South Carolina SR-22 costs and how to get one — let's look at the details.

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How much does South Carolina SR-22 insurance cost?

Insurance after an SR-22 in South Carolina is often expensive. This isn't a direct cost of the certificate — filing fees usually total $15 to $35 — but a product of the insurance premium increases from the citation that necessitated the SR-22.

Insurance companies bill high-risk drivers more to account for the increased probability of claims payouts. The rate increase you’ll receive will depend on the number and severity of infractions — below are typical car insurance prices for drivers with SR-22s in South Carolina.

Rating factorAverage annual rateIncrease vs. no violations
No violations$1,361.13
At-fault collision (>$2,000)$1,930.00$568.87
Speeding (21-25 mph > limit)$1,631.70$270.57
Reckless driving$2,058.19$697.06
Leaving the scene of an accident$2,012.91$651.78

If you're seeking affordable car insurance after obtaining an SR-22, The Zebra is here to help. Provide your ZIP code to get personalized car insurance rates from leading insurance companies.

How to get an SR-22 in South Carolina

For currently insured drivers:

If you currently have auto insurance, obtaining an SR-22 is relatively simple. Contact your insurance company and ask them to file an SR-22 certificate request on your behalf. If your current insurer isn’t willing to file a request, you should start the car insurance comparison shopping process.

For uninsured drivers:

When filing for car insurance, you might be saddled with an up-front fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 certification may prevent you from buying insurance from some companies, while others will sell you a policy.

If you aren't a vehicle owner:

Not owning a vehicle makes it more difficult to get an SR-22, as you'll need to show proof of insurance to obtain the document. If this is the case, you should buy a non-owners policy before asking for an SR-22. Non-owners car insurance is typically less expensive than standard coverage since it doesn't cover physical damages to your vehicle.


Between September and December 2017, The Zebra conducted auto insurance rate analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million premiums to identify trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.