South Carolina DUI Insurance
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Insurance After Your License Suspension

South Carolina requires SR-22 filing for most suspensions, held for 3 years from reinstatement.

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How It Works

  1. Enter your ZIP code and tell us about your suspension type

  2. Get matched with carriers who write policies for suspended license drivers in your state

  3. 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.

Driver's point of view from inside a car at night, with both hands on the steering wheel, illuminated instrument gauges ahead, and blurred street lights on the road through the windshield.SR-22 InsuranceSouth 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.An open black mailbox with a raised red flag on a wooden post holds a tan envelope, with a dark sedan parked on a gravel driveway and a lit house porch in the blurred background at dusk.Non-Owner SR-22Non-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.A bearded man in a dark sweater sits at a desk with an open laptop, papers and a spiral notebook, and a dark mug, beside a large window showing trees at sunset.Liability InsuranceSouth 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.A man in a dark cap and jacket sits in a vehicle's driver seat, pulling the seat belt across his body toward the buckle, with a mesh cargo partition behind him and bare trees visible through the window.Uninsured Motorist CoverageSouth 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.A hand holds a black-fobbed key over a wooden table with stacked papers, a pen, and a document in a folder, in a blurred kitchen interior.Non-Standard Auto InsuranceNon-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.

Recent Articles

Driver's-eye view from inside a car at night, with two hands on the steering wheel, illuminated instrument gauges, and blurred street and vehicle lights ahead.7/14/2026Farmers SR-22 After DUI in South CarolinaFarmers routes SC DUI cases to Bristol West or Foremost. Understand tier shifts, SR-22 filing, and the 3-year requirement before you quote.A hand holds a black flip car key above a wooden table with printed documents, a pen, a calculator and stacked folders, in front of a blurred kitchen interior.7/14/2026State Farm SR-22 After SC DUIState Farm routes SC DUI cases to non-standard carriers via brokers. Here's who actually writes your SR-22 policy and why.A bearded man in a dark button-up shirt sits at a wooden desk using a laptop, with rolled and flat drawings, a notebook and a dark mug nearby, beside a large window showing conifer trees at sunset.7/14/2026Liberty Mutual SR-22 After SC DUILiberty Mutual sends SC DUI drivers to outside underwriters. Skip the runaround and go to carriers that write it.
A man in a cap, brown jacket and jeans leans against the rear of a dark pickup truck on a dirt ridge at sunset, with conifers and distant hills behind.

Find South Carolina Coverage After a DUI

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Frequently Asked Questions

Do I need insurance if my license is suspended?

You need insurance to reinstate your license in South Carolina, not while suspended. SC DMV requires proof of continuous coverage—either a standard auto policy or non-owner policy—before they'll process reinstatement. If your suspension requires SR-22, your insurer must file that form with DMV as well.

How long does SR-22 filing last in South Carolina?

South Carolina requires SR-22 filing for 3 years from your reinstatement date, not your suspension date. If your policy lapses or cancels during that period, your insurer notifies DMV within 10 days and your license is re-suspended immediately.

What's the difference between SR-22 and FR-44?

South Carolina uses SR-22 only; FR-44 applies in Florida and Virginia. Both are certificate-of-insurance filings, but FR-44 requires higher liability limits. If you move to SC from Florida or Virginia with an FR-44 requirement, contact SC DMV—they'll convert it to SR-22.

What happens if my SR-22 insurance lapses?

Your insurer notifies SC DMV within 10 days of cancellation or lapse. DMV immediately re-suspends your license and sends notice by mail. To reinstate again, you must pay a new reinstatement fee, obtain new coverage, and file a new SR-22—the original 3-year period does not reset.

Do all insurance companies file SR-22 in South Carolina?

No. Standard carriers like GEICO and State Farm often decline SR-22 drivers or non-renew existing policies. Non-standard carriers—The General, National General, Acceptance, Bristol West—specialize in high-risk filings and will issue policies with SR-22 attached.