Getting an SR-22 can feel stressful — but it doesn’t have to be complicated.
An SR-22 filing is simply a way for the state to confirm that you carry the required liability insurance after a violation such as a DUI, driving without insurance, or a license suspension.
Unfortunately, many drivers make small but costly mistakes that delay license reinstatement or keep their premiums high for years. Here are the most common SR-22 mistakes — and how to avoid them.
1. Letting Your Policy Lapse
The #1 mistake after getting an SR-22 is letting your insurance cancel or lapse — even for a single day.
If your coverage lapses, your insurance company is required by law to notify the DMV immediately. That can lead to:
- Another license suspension
- Restarting your SR-22 filing period from day one
- Much higher premiums when you reapply
💡 Tip: Set up automatic payments and confirm your renewal dates with your agent. Continuous coverage is the key to getting your rates back down faster.
2. Choosing the Wrong Type of SR-22 Policy
Many drivers aren’t sure whether they need an Owner SR-22 or a Non-Owner SR-22.
Choosing the wrong one can result in denied claims or compliance issues.
| Type | Use When | Covers |
|---|---|---|
| Owner SR-22 | You own a vehicle that must be insured | The vehicles listed on your policy |
| Non-Owner SR-22 | You don’t own a car but still need an SR-22 to drive legally | Any borrowed or rented vehicles |
💡 Tip: Talk to your Upstate’s Choice Insurance agent before buying — we’ll make sure you file the correct policy with your state.
3. Forgetting to Maintain Coverage for the Full Period
Most states — including South Carolina, North Carolina, and Georgia — require you to carry an SR-22 for three years from the date your license is reinstated.
Some drivers cancel their policy too early, thinking they’re finished, only to have their license re-suspended for non-compliance.
💡 Tip: Always confirm with the DMV when your SR-22 filing requirement officially ends.
4. Not Comparing Rates Regularly
Many drivers stick with their first SR-22 policy out of convenience — but that can cost you hundreds.
After 12 to 18 months of clean driving, your “high-risk” status may begin to improve, and some carriers will offer better rates.
💡 Tip: At Upstate’s Choice Insurance, we automatically re-shop your policy across multiple top carriers to find lower premiums as your record improves.
5. Ignoring Defensive Driving Opportunities
Taking a state-approved defensive driving course can lower points on your license and may qualify you for a discount with certain carriers.
It’s also a great way to prove you’re serious about safer driving habits.
💡 Tip: Ask your agent which courses are recognized in your state before enrolling.
6. Driving Before the SR-22 Is Processed
You’re not fully legal to drive again until the DMV accepts your SR-22 filing.
Driving before it’s active could result in additional violations and restart the suspension process.
💡 Tip: Wait for confirmation from your agent or the DMV that your SR-22 has been filed and approved before you hit the road.
7. Not Asking About Discounts
Even drivers with an SR-22 can still qualify for savings!
You may be eligible for:
- Bundled policy discounts (auto + renters or homeowners)
- Paperless or autopay discounts
- Safe-driver programs once you maintain clean records
💡 Tip: Review your policy with your Upstate’s Choice agent every renewal — we’ll make sure you’re getting every discount available.
Stay Smart, Stay Covered, Stay Legal
An SR-22 doesn’t have to define your driving future. With the right guidance and consistent coverage, you can rebuild your record, lower your rates, and get back to standard insurance within a few years.
At Upstate’s Choice Insurance, we help drivers across South Carolina, North Carolina, and Georgia every day with:
- Same-day SR-22 filings
- Affordable non-owner and owner policies
- Ongoing rate reviews and discounts
🚗 Avoid the pitfalls — let us help you stay compliant and save money. Get your SR-22 quote today!
📍 www.upstateschoice.com