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Last updated: September 19, 2023

SR-22s in South Carolina

SR-22s are required after certain accidents that occur in South Carolina.

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An SR-22 is a form that proves you have the minimum amount of car insurance that the state of South Carolina requires. While the actual form has a filing fee of only around $25, the real cost is in your increased insurance premium. Since having an SR-22 means you are a high-risk driver, you can expect to pay more for car insurance than when you had a clean driving record. But by how much will your rates rise?

SR-22 Insurance in South Carolina

On average, you can expect your auto insurance costs to increase by 40 percent after getting an SR-22, proof of insurance that certain South Carolina drivers must have. As of 2020, the last time the National Association of Insurance Commissioners released data, South Carolina’s average annual cost for car insurance was $1,113 for drivers with a clean record.1 For drivers with SR-22s, expect costs of around $1,558 annually.


South Carolina has the 15th-highest car insurance rates in the country, on average.

SR-22s in South Carolina

You’ll be required to get an SR-22 in South Carolina if you are involved in an accident with one or more of the following.

  • Property damage of $400 or more
  • Bodily injury
  • Death

If your license was suspended, you’ll have to pay $200 and provide the SR-22 to the South Carolina Department of Motor Vehicles (DMV) to get it reinstated. Otherwise, the state will consider you to be driving without insurance.2

Your insurance company is responsible for filing your SR-22 with the DMV, a process that occurs electronically. You’ll have to keep the SR-22 for two years, so you’ll have higher car insurance costs during this time. However, after those two years, you will see lower rates if you don’t have any additional moving violations on your driving record.

How to Find Cheap Insurance After an SR-22

Finding cheap car insurance is always difficult for high-risk drivers, but there are still ways to keep rates as low as possible if you get an SR-22.

Complete a Defensive Driving Course

If you have points on your record, you can get four of them removed by enrolling in a defensive driving course, either through the National Safety Council3 or a state-approved driving school.4 Each course is eight hours long.

Get Minimum Coverage

Getting minimum coverage, which we detail below, will result in the lowest car insurance premium.

Join the AAIPSC

If, in the past 60 days, you’ve tried and failed to find a car insurance provider that will accept you, you can use the Associated Auto Insurers Plan of South Carolina (AAIPSC) as a last resort. All insurance companies licensed in the state are required to participate, so you can contact any agent to join. The other option is contacting the program directly.

  • Email address:
  • Fax: 401-528-1361
  • Mailing address: 
    • Associated Auto Insurers Plan of South Carolina
    • 302 Central Ave.
    • Johnston, RI 02919
  • Phone: 866-560-4100; Monday through Friday, 8:30 a.m. through 4:30 p.m. ET5

Drop Coverages

If you have an older car, feel free to drop collision and comprehensive coverage, as the deductible may be higher than the car’s actual cash value (ACV). You can also leave out add-ons like roadside assistance, rental car coverage, and new car replacement coverage.

Lower Limits

If you’d rather not drop coverages completely, lowering the limits will lower your premium as well. Of course, this also means less of a payout when you have a covered claim.

Bundle Policies

Did you know South Carolina has the 16th-highest rate of homeownership in the U.S. at 71 percent? The average across the U.S. is 68 percent, according to first-quarter 2023 data from the U.S. Census Bureau.5 If you’re looking for both home and auto insurance, bundling it under the same provider will save you money on both. Even if you’re not a homeowner, some providers bundle auto insurance with renters, life, or boat insurance.

Ask for Discounts

Ask your insurance agent for ways you can save money through discounts. From enrolling in paperless billing to being a member of a particular organization, there are dozens of savings opportunities.

Increase Your Deductible

If you’ve kept your collision and comprehensive coverage, one way to lower your premium is to increase your deductible. The deductible is what you’ll pay out of pocket for a covered collision or comprehensive claim before your insurance company contributes up to your limit (your vehicle’s ACV). But if you don’t pay your deductible, your collision and comprehensive coverage become useless, so make sure you can actually afford it if you opt to raise it.

Get Usage-Based Insurance

South Carolina has the 10th-highest rate of car, truck, or van commuters in the country at 85 percent, according to 2021 U.S. Census data. That said, 12 percent of the state’s workers work from home, and for those who work in person, 26 percent have commutes less than 15 minutes long.

If you fall into either category, consider pay-per-mile insurance, also known as usage-based insurance (UBI). Aside from a small daily rate, you’ll pay only for the miles you drive, rewarding you with discounts for having low mileage. Some UBI programs take into account your driving behaviors as well, recording them through an app or Bluetooth device and giving discounts for safe driving.

Minimum Coverage Requirements in South Carolina

Here are the minimum South Carolina car insurance requirements:

  • Bodily injury liability per person: $25,000
  • Bodily injury liability per accident: $50,000
  • Property damage liability per accident: $25,000
  • Uninsured motorist bodily injury coverage per person: $25,000
  • Uninsured motorist bodily injury coverage per accident: $50,000
  • Uninsured motorist property damage coverage per accident: $25,0007


Only 11 percent of South Carolinians are uninsured, slightly below the 12 percent national average.8


It’s hard to find affordable auto insurance with a bad driving record, whether you live in South Carolina or any other state. We recommend shopping the market, requesting quotes from multiple insurers, and comparing them to see which one can provide you with the lowest rate. You can keep costs low in the future by avoiding at-fault accidents, speeding tickets, a driving under the influence (DUI) conviction, and other moving violations. 


  1. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  2. South Carolina Code of Laws Unannotated: Title 56 Motor Vehicles. South Carolina Legislature. (1974).

  3. SC Point Reduction Course. National Safety Council Southeastern Chapter. (2023).

  4. 2023-2024 Auto School List. South Carolina Department of Motor Vehicles. (2023, Sep 11).

  5. Associated Auto Insurers Plan of South Carolina. AiPSA. (2023).

  6. Housing Vacancies and Homeownership (CPS/HVS). United States Census. (2023).

  7. Automobile Insurance. South Carolina Department of Insurance. (202#).

  8. One in Eight Drivers Uninsured: $13 Billion Spent in 2016 to Protect Against Uninsured and Underinsured Drivers. Insurance Research council. (2021, Mar 22).