How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
SR-22 Insurance
South Carolina requires SR-22 filing for DUI, reckless driving, driving without insurance, and accumulating 12+ points in 12 months. The filing stays active for 3 years from your reinstatement date, and any lapse triggers immediate re-suspension.
Non-Owner SR-22
Non-owner policies provide liability coverage when you drive but don't own a vehicle. SC DMV accepts non-owner SR-22 filings for reinstatement—premiums average $300–$600 per year, far below standard auto policies.
Liability Insurance
South Carolina minimum liability is $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Post-suspension drivers typically pay $110–$185 per month for minimum coverage from non-standard carriers.
Uninsured Motorist Coverage
South Carolina requires uninsured motorist coverage at the same limits as your liability policy unless you reject it in writing. This covers you if hit by a driver with no insurance—20% of SC drivers are uninsured.
Non-Standard Auto Insurance
Non-standard carriers specialize in high-risk drivers—those with DUIs, suspensions, or major violations. Expect premiums 40–80% higher than standard market, but these insurers will file SR-22 and provide state-required coverage.
