South Carolina SR-22 & High-Risk Auto Insurance
South Carolina requires 25/50/25 liability coverage and is an at-fault state.
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South Carolina at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 filing is required after DUI convictions, license suspensions resulting from point accumulation (12 or more points), multiple at-fault accidents while uninsured, and certain reckless driving convictions. Drivers accumulate points for moving violations — 2 points for speeding 10+ mph over, 4 points for reckless driving, 6 points for DUI — and points remain on the driving record for 2 years from the conviction date. Most point violations like speeding tickets or single at-fault accidents do not trigger SR-22 requirements unless they result in license suspension.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$226–$276/mo
Typical monthly rate in South Carolina, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in South Carolina?
SR-22 filing is required for 3 years from your license reinstatement date in South Carolina, though the underlying violation remains on your driving record for additional time — DUI stays on record for 10 years, reckless driving for 6 years. After 3 years of continuous SR-22 coverage, the filing requirement ends but the violation continues to affect insurance rates for 3–5 years total.
How many points until license suspension in South Carolina?
South Carolina suspends your license if you accumulate 12 or more points within 12 months. Common violations: speeding 10+ mph over the limit is 2 points, reckless driving is 4 points, DUI is 6 points, and leaving the scene of an accident is 6 points. Points remain on your driving record for 2 years from the conviction date but affect insurance rates for 3–5 years.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. South Carolina's 25/50/25 minimum is legally required but insufficient for serious accidents involving multiple vehicles or hospitalization.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the South Carolina DMV. Required for 3 years after DUI, suspension, or uninsured accidents.
Full Coverage
Liability, comprehensive, and collision bundled together. Covers damage to your vehicle from accidents, theft, weather, and vandalism in addition to third-party liability.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, DUI, or SR-22 requirements who cannot qualify for preferred carrier rates.
Uninsured Motorist Coverage
Covers your medical expenses and lost wages if hit by a driver with no insurance. Must be offered in South Carolina but can be rejected in writing.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident regardless of who caused it. Subject to deductible, typically $500–$1,000.