South Carolina SR-22 & High-Risk Auto Insurance
South Carolina requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationSouth 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, excessive points, or license suspensions typically must file SR-22 proof of financial responsibility with the South Carolina Department of Motor Vehicles for 3 years. Uninsured motorist coverage is also mandatory at the same 25/50/25 limits. Many high-risk drivers carry higher limits to meet court requirements or protect against rate increases after another violation.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
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
- Carrier type: non-standard specialists may cost more initially but offer faster rate reduction paths
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry at least South Carolina's minimum 25/50/25 liability limits. Required for 3 years after DUI, uninsured accidents, or license suspension.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers who've been declined by standard insurers. Typically the only option immediately after DUI, suspension, or multiple violations.
Liability Insurance
Covers injury and property damage you cause to others. South Carolina requires 25/50/25 minimums, but high-risk drivers often need higher limits to meet court requirements or satisfy SR-22 obligations.
Full Coverage
Combines liability, uninsured motorist, comprehensive, and collision. Required by lenders and protects your vehicle's value regardless of who's at fault in an accident.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
High-Risk Auto Insurance
Umbrella term for coverage designed for drivers with DUI, violations, accidents, or lapses. Includes both non-standard carriers and standard carriers' high-risk programs.