To file an SR-22 certificate in South Carolina, purchase at least the state’s minimum liability car insurance coverage. The insurance company will file your SR-22 with the South Carolina DMV on your behalf.
More specifically, if you’re applying for a new policy, indicate on the form that you need an SR-22 certificate. If you have an existing policy that you need to change, contact your insurance company to let them know, and proceed from there.
Drivers must keep their minimum-insurance certification active with the state for 3 years to fulfill South Carolina’s SR-22 insurance requirements. As long as you maintain your policy, your SR-22 documentation stays active. But your insurance company is also required to notify the state if you cancel your policy or allow it to lapse prematurely.
How to file an SR-22 in South Carolina:
- 1. Compare SR-22 car insurance quotes.
- 2. Buy a car insurance policy that covers South Carolina’s minimum insurance requirements.
- 3. Contact your insurance company about getting an SR-22 certificate.
- 4. Maintain your policy for 3 years.
You will need to maintain your SR-22 insurance even if you move from South Carolina. In that case, you would need to get an insurance policy in your new state and have the insurer file an SR-22 certificate for you. If your new state does not require SR-22 certification, you can buy the legal minimum insurance in that state to avoid having your license suspended while transitioning to your new state.
Once your new policy is in place, South Carolina considers you to be abiding by your SR-22 requirement. However, if your South Carolina coverage lapses before you have a new policy, the clock resets. In that case, South Carolina will inform your new state that you’re in violation of your required SR-22 period.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.