Get SR-22 in South Carolina if you may need to. A driver's license is suspended for serious offenses such as drunk driving. You may hear the term “SR-22 insurance” in South Carolina, but SR-22 isn't really a type of insurance, it's the state's minimum auto insurance policy. is a certificate that certifies The SR-22 will be on the record for several years, so car insurance premiums will be higher during that time.

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What is SR-22 Insurance?

If your driver's license is suspended in South Carolina, you will need to pay to have your SR-22 filed on your behalf. SR-22 is a special type of proof of insurance, not a type of insurance per se. I certify that I have the minimum amount of automobile insurance required in South Carolina. This is expressed as 25/50/25. This includes the following personal liability insurance:

• $25,000 personal injury liability coverage per person
• $50,000 personal injury coverage per accident Liability coverage
• $25,000 property damage liability coverage per accident

However, the South Carolina SR-22 is a requirement for high-risk drivers only. This could include drivers who have had their license suspended, serious traffic violations, been caught driving without car insurance, been convicted of driving under the influence of alcohol, or have caused a fatal accident.

The process of obtaining an SR-22 is relatively straightforward, but not all auto insurance companies offer it. If your personal auto insurance company doesn't provide his SR-22 filing, look for an insurance company that specializes in non-standard insurance. You will be asked to complete some documents and pay an application fee. Finally, the insurance company sends the documents to his DMV in South Carolina.

SR-22 South Carolina Alternatives

South Carolina requires drivers to carry SR-22s only if their license is suspended due to a serious accident or violation. However, other states use alternatives to the SR-22 to verify proof of driver insurance coverage. The type of certification required depends on the type of violation, financial liability requirements, and number of violations.

Here are some common SR-22 alternatives found in other states.

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• SR-19: California and Texas both use the SR-19 form. If a driver is run over by an uninsured driver and wants to file a claim with the insurance company, he must first file an SR-19.
• SR-21: There are 21 forms in use in SR-Florida, Georgia, and Indiana. If your driver is involved in a serious accident or traffic violation, use the SR-21 form to verify your accident insurance coverage.
• SR-22A:Georgia, Texas, and Missouri use the SR-22A format, which is essentially the same as the standard SR-22. The SR-22A form is required for drivers to regain driving privileges after a serious offense.
• FR-44: States using the FR-44 form include: Florida and Virginia. The FR-44 is similar to his SR-22, but the FR-44 requires the driver to take more liability than the state minimum.
• SR-50:The SR-50 form is used only in Indiana. The SR-50 form is used to verify a driver's auto insurance coverage if the driver has an accident or is subject to a traffic violation reported to Indiana BMV. This form is not necessarily associated with license suspension.

Unowned SR-22

If you are renting someone else's vehicle at the time of the violation, you may need to purchase a certificate called a Non-Owner SR-22. As the name suggests, this form is only required if you've lost your license and don't have your own vehicle. The insurance requirements for the non-owner SR-22 insurance are the same as for the standard HIS SR-22.

SR-22 South Carolina Insurance Fees

In South Carolina, filing an SR-22 certificate typically costs less than $50. The exact cost will vary slightly by insurance company. If your license is suspended, you must also pay a $100 license reinstatement fee.

A driver who has her SR-22 on record, especially those convicted of drug- or alcohol-related offenses, will end up paying higher-than-average car insurance premiums. South Carolina drivers who are arrested without insurance typically pay higher premiums when purchasing policy, even for liability-only coverage.

Luckily, the SR-22 doesn't stay on your driving record forever. Depending on the offense, SR-22 may be required to be used for 3-5 years. Once the SR-22 is removed from your record, you will no longer have to pay to submit the certificate and your car insurance rate will return to normal.

FAQ

• • How long do I need an SR-22 in South Carolina?

    South Carolina SR-22 Drivers required to have insurance must have a minimum 3 year record. Depending on the type of offense and the number of offenses committed or repeated offenses, the certificate may require him to be on record for three years or longer.

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• How do I get SR-22 insurance in South Carolina?

  To obtain an SR-22 insurance certificate in South Carolina, you must request the certificate from your auto insurance company or the insurance company that provides the SR-22. You may need to complete some basic paperwork and pay an application fee. If you do not have insurance, you will need to purchase a policy. The final step is for the insurance company to file his SR-22 form with the DMV in South Carolina. You will receive a confirmation once your documents have been processed.

• How much does SR-22 insurance cost in South Carolina?

  South Carolina's SR-22 isn't expensive. You pay a small application fee, usually less than $50. SR-22 insurance is not really a form of insurance, so factors such as age, credit score, zip code, gender, and type of car you drive do not affect the cost of SR-22.

• How to Get Cheap SR-22 Insurance in South Carolina?

  Find cheap SR-22 insurance in South Carolina at Call several insurance companies that provide SR-22s and ask about filing fees. Choose the company with the lowest application fee, even if it's not your personal auto insurance company. Also consider scouting for new auto insurance quotes during this time. If you can find a lower premium than what you are currently paying, you may be able to avoid significant price increases.