How Much Does SR-22 Insurance Cost in South Carolina

If you've been told you need an SR-22, your first question is probably: "How much is this going to cost me?" Here's a straight breakdown of what you'll actually pay for SR-22 coverage in South Carolina.

The SR-22 Filing Fee

Most insurance companies charge between $15 and $50 one-time to file the SR-22 form with the South Carolina DMV. Some insurers waive this fee entirely.

The Real Cost: Premium Increases

After a DUI in South Carolina, expect your auto insurance premium to increase 50% to 200% depending on your driving history, age, vehicle, credit, and how long ago the violation occurred.

The South Carolina Department of Insurance requires minimum liability limits of 25/50/25 on all SR-22 policies.

Why Rates Vary Between Companies

Every carrier has its own formula for high-risk drivers. One company might charge $180/month while another quotes $110/month for the same driver. An independent agent has access to specialty carriers that captive agents don't.

How an Independent Agent Saves You Money

The Morgano Agency handles SR-22 filings in Greenville and shops multiple carriers at no extra cost. They file electronically, same day in most cases.

More SR-22 Resources

Tips to Lower Your SR-22 Cost

  • Don't let your policy lapse. A cancellation restarts your SR-22 period.
  • Take a defensive driving course. Some carriers discount your premium.
  • Drive a less expensive vehicle. Lower comp/collision costs.

The Morgano Agency Inc
206B Pine Knoll Dr, Greenville, SC 29609
Phone: (864) 609-5285
Monday-Friday, 9:00 AM - 5:00 PM

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