Minimum Coverage Requirements in South Carolina
South Carolina is an at-fault state requiring all drivers to maintain continuous liability coverage. The South Carolina Department of Motor Vehicles mandates SR-22 filing for most suspension causes, including DUI, excessive points, and driving uninsured. Coverage must remain active for the full three-year filing period, or the SR-22 lapses and the suspension clock resets.
How Much Does Car Insurance Cost in South Carolina?
South Carolina rates SR-22 policies based on suspension cause, prior coverage gaps, and county accident rates. Suspended drivers pay 60–140% more than standard-risk drivers, with DUI suspensions commanding the highest surcharges.
What Affects Your Rate
- DUI suspensions in South Carolina carry surcharges averaging 110–140% for three years, with some carriers declining coverage entirely.
- Greenville and Charleston drivers pay 15–20% more than rural counties due to higher accident frequency and theft rates.
- Prior coverage gaps exceeding 30 days trigger non-standard classification, adding $40–$80/month regardless of suspension type.
- Drivers under 25 with suspended licenses pay an additional $60–$120/month compared to suspended drivers over 25.
- SR-22 filing fees range from $25–$50 at policy inception, plus most carriers charge a $15–$25 annual processing fee.
- Paying the full six-month premium upfront reduces total cost by 8–12% compared to monthly installments with service fees.
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Get Your Free QuoteCoverage Types
SR-22 Insurance
Court-ordered proof of financial responsibility filed electronically with the South Carolina DMV. Required for most suspensions, including DUI, reckless driving, and driving uninsured.
Non-Owner SR-22
Liability-only policy for suspended drivers who do not own a vehicle but need to satisfy South Carolina's SR-22 requirement to reinstate their license.
Liability Insurance
Covers injuries and property damage you cause to others. South Carolina requires 25/50/25 minimums, but these limits are frequently exceeded in serious accidents.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if an at-fault driver has no insurance or insufficient coverage. South Carolina requires carriers to offer this coverage.
Non-Standard Auto Insurance
Policies designed for high-risk drivers, including those with suspensions, DUIs, or coverage gaps. Non-standard carriers specialize in SR-22 filings and reinstatement cases.
