SR-22 Insurance in Myrtle Beach, SC

What Is SR-22 Insurance?

An SR-22 isn't actually an insurance policy — it's a certificate that proves you carry the minimum required auto insurance coverage. If you've had your license suspended in South Carolina due to a DUI, driving without insurance, or other serious violations, you'll likely need an SR-22 filing before you can legally drive again.

Moore & Associates helps Myrtle Beach drivers get SR-22 filings quickly so they can get back on the road. We work with multiple carriers that specialize in high-risk auto insurance to find you coverage at a competitive rate.

Why Do You Need an SR-22?

The South Carolina DMV requires an SR-22 certificate to prove you're carrying liability insurance after certain violations. It's the state's way of making sure high-risk drivers maintain continuous coverage. Common reasons you may need an SR-22 include:

• DUI or DWI conviction


• Driving without insurance


• Driving with a suspended or revoked license


• Being involved in an at-fault accident without insurance


• Accumulating too many points on your driving record


• Multiple traffic violations in a short period


• Failure to pay court-ordered judgments from an accident

If you've received a notice from the South Carolina DMV requiring an SR-22, you'll need to get one before your driving privileges can be reinstated.

How Does SR-22 Insurance Work?

When you purchase an auto insurance policy that includes an SR-22 filing, your insurance company electronically submits the SR-22 certificate to the South Carolina DMV on your behalf. This certificate confirms that you have at least the state's minimum liability coverage in place.

Once the DMV receives your SR-22, you can begin the process of reinstating your license. Keep in mind that the SR-22 is just one requirement — you may also need to pay reinstatement fees, complete a defensive driving course, or satisfy other conditions depending on your situation.

If your insurance policy lapses or is canceled during the SR-22 period, your insurer is required to notify the DMV. This can result in your license being suspended again and may restart the clock on your SR-22 requirement.

How Long Do You Need an SR-22 in South Carolina?

In South Carolina, most drivers are required to maintain an SR-22 filing for three years from the date of reinstatement. However, the exact duration depends on the violation that triggered the requirement.

During this period, you must maintain continuous auto insurance coverage without any lapses. If your policy is canceled for non-payment or any other reason, the DMV will be notified, and your license could be suspended again. If that happens, the three-year clock may restart from the date you reinstate coverage.

The best way to avoid complications is to set up automatic payments and work with an insurance agency that monitors your policy to make sure it stays active.

What Does SR-22 Insurance Cover?

An SR-22 filing requires you to carry at least the minimum auto insurance liability coverage required by South Carolina law. The current state minimums are:

• $25,000 bodily injury liability per person


• $50,000 bodily injury liability per accident


• $25,000 property damage liability per accident

These minimums satisfy the SR-22 requirement, but they may not fully protect you in a serious accident. Depending on your situation, you may want to consider higher liability limits to protect your assets. Our agents can help you determine how much coverage makes sense for your needs and budget.

If you don't own a vehicle but still need an SR-22, you can get a non-owner SR-22 policy. This provides liability coverage when you drive borrowed or rented vehicles and satisfies the state's proof-of-insurance requirement.

How Much Does SR-22 Insurance Cost in South Carolina?

The SR-22 filing itself is relatively inexpensive — typically around $15 to $25. However, the bigger cost is the auto insurance policy that comes with it. Because SR-22 requirements are triggered by high-risk violations like DUIs or driving without insurance, your insurance premiums will likely be higher than average.

How much more you'll pay depends on several factors:

• The severity of the violation that triggered the SR-22


• Your overall driving record


• Your age and location


• The type of vehicle you drive


• The coverage limits you choose

Moore & Associates works with carriers that specialize in SR-22 and high-risk auto insurance. Because we're an independent agency, we can shop multiple companies to find you the most affordable option. Drivers in Myrtle Beach, Conway, North Myrtle Beach, and surrounding areas trust us to get them covered quickly and at a fair price.

How to Get an SR-22 in Myrtle Beach

Getting an SR-22 in South Carolina is straightforward when you work with the right agency. Here's how the process works:

Step 1: Contact Moore & Associates. Call our office or request a quote online. Let us know you need an SR-22, and we'll ask a few questions about your situation and driving history.

Step 2: Get a policy. We'll shop multiple carriers to find you an auto insurance policy that meets SR-22 requirements at a competitive rate. If you don't own a car, we can set you up with a non-owner policy.

Step 3: We file your SR-22. Once your policy is in place, we submit your SR-22 certificate electronically to the South Carolina DMV. Most filings are processed within a few days.

Step 4: Reinstate your license. After the DMV receives your SR-22, you can complete any remaining requirements and get your driving privileges reinstated.

Our Myrtle Beach agents handle SR-22 filings regularly and know how to get you back on the road as quickly as possible.

What Happens If You Let Your SR-22 Lapse?

Letting your SR-22 coverage lapse — even for a single day — can have serious consequences. Your insurance company is required to notify the South Carolina DMV if your policy is canceled, lapses, or expires without renewal.

If this happens:

• Your driver's license will likely be suspended again


• You may face additional fines and reinstatement fees


• Your three-year SR-22 requirement may restart from the date you reinstate coverage


• Future insurance premiums may increase even further

The best way to avoid these problems is to maintain continuous coverage throughout your SR-22 period. Set up automatic payments and work with an agency that will help you stay on track.

Why Work With Moore & Associates?

As an independent insurance agency in Myrtle Beach, SC, we work with multiple carriers — including those that specialize in high-risk and SR-22 insurance. We're not tied to one company, so we can compare options and find you coverage at a competitive rate.

Moore & Associates has helped South Carolina drivers with SR-22 filings since 1979. We understand the local requirements, handle the paperwork, and make the process as painless as possible. When you call, you reach a local agent who knows Myrtle Beach, Conway, Georgetown, Pawleys Island, and Murrells Inlet — not a call center in another state.

If you need an SR-22, don't stress. We'll get you filed and back on the road.

Get an SR-22 Insurance Quote in Myrtle Beach, South Carolina

Our SR-22 insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.