South Carolina: Insurance and SR-22
Official-Source Information
South Carolina publishes a separate process for some insurance and financial-responsibility holds. Not every insurance-related suspension requires an SR-22. Match the exact wording on your notice or official record to the state's current instructions before acting.
General information only. This page does not review your record, decide which category applies, or select a form or provider.
Official source last checked Jun 30, 2026
Direct source-backed answer
South Carolina handles this differently depending on whether you owned the vehicle you were driving without insurance, under SC Code 56-10. If you were driving a vehicle you do not own while uninsured, you'll face a 30-day license suspension, and you can reinstate by paying a $100 reinstatement fee. If you were driving a vehicle you do own while uninsured, both your license and your registration are suspended until the SCDMV receives payment of a $700 Uninsured Motorist Fee, plus a $5-per-day surcharge for the length of the coverage lapse (this surcharge is capped at $200). In either case, your insurer will need to file proof of financial responsibility on your behalf using South Carolina's own form, called the FR-10 (the state's version of an SR-22). This filing must stay in place for 3 years by default, or up to 5 years if the suspension involved a DUI, reckless driving, a second driving-under-suspension offense, 12 or more points, or an uninsured accident. South Carolina does not use the FR-44 form. Separately, South Carolina also offers an annual Uninsured Motorist Fee of about $600, which is a legal way to drive without insurance going forward; this is not part of, and is separate from, the $700 reinstatement fee described above.
Published fee information
Two scenarios based on ownership: (a) Vehicle NOT owned: $100 reinstatement after the 30-day suspension. (b) Vehicle OWNED: $700 Uninsured Motorist Fee + $5/day lapse surcharge (cap $200). ⚠ The $700 is annually adjusted by the SC Department of Insurance (statutory base $550 per §56-10-510; SC DOI Oct order resets the current figure each year - most recent annual reading $700). Plus FR-10 (insurer-filed) 3 yr. The separate annual ~$600 Uninsured Motorist Fee is the lawful option to drive uninsured - not part of the reinstatement.
Check the official fee sourceConfirm the exact amount and payee with SCDMV before payment.
Forms and documents
SR-22 / FR-10 (insurer-filed); applicant submission via scdmvonline.com Quick Links.
Open the official form sourceThis is an unselected list from the state source. Confirm the correct form for your situation with the issuing agency or a qualified attorney.
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Common questions
No. It summarizes published South Carolina information for this category. Your current official notice and record determine which requirements apply, and the issuing agency makes the final decision.
The cited source was last checked Jun 30, 2026. Forms, fees, and submission methods can change, so confirm them on the linked official source before acting or paying.
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Source excerpt summary: South Carolina handles this differently depending on whether you owned the vehicle you were driving without insurance, under SC Code 56-10. If you were driving a vehicle you do not own while uninsured, you'll face a 30-d...
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