South Carolina SR-22 & High-Risk Auto Insurance
South Carolina requires 25/50/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordSouth 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
Minimum Coverage Requirements in South Carolina
Drivers with DUI convictions, at-fault uninsured accidents, license suspensions for points, or habitual offender status must file SR-22 proof of financial responsibility with the South Carolina Department of Motor Vehicles for typically 3 years. Uninsured motorist coverage is required at the same 25/50/25 limits unless you decline it in writing, making it particularly important for high-risk drivers facing premium increases who still need protection from other uninsured drivers.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in South Carolina
$226–$276/mo
Typical monthly rate in South Carolina, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation: DUI convictions increase rates more than license suspensions for points
- Carrier availability: South Carolina has fewer non-standard carriers in rural counties, limiting competition
- Credit-based insurance score: South Carolina allows credit scoring, which compounds high-risk surcharges for drivers with poor credit
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. South Carolina's 25/50/25 minimums are required for SR-22 filing but may not cover the full cost of a serious collision, exposing high-risk drivers to personal liability.
SR-22 Filing
Certificate filed by your insurer proving you meet South Carolina's financial responsibility requirement after a major violation. The filing itself costs $15–$50, but the high-risk policy behind it drives the total premium increase.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or with insufficient coverage. South Carolina requires UM/UIM at the same limits as your liability policy unless you decline in writing.
Full Coverage
Combines liability, comprehensive, and collision to protect both your legal obligation and your vehicle's value. Required by lienholders and recommended for vehicles worth over $5,000.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers, including those with DUI, suspensions, lapses, or multiple violations. These carriers accept profiles standard insurers reject but charge higher premiums and require larger down payments.
Comprehensive and Collision
Comprehensive covers non-collision events like theft, weather, and vandalism; collision covers damage to your vehicle in an accident regardless of fault. Both require deductibles, typically $500–$1,000 for high-risk drivers.