Having your license suspended can feel overwhelming—but it doesn’t have to mean the end of your driving days. In most cases, you can get back on the road legally by meeting your state’s requirements, and one of the most common is filing an SR-22.
At Upstate’s Choice Insurance, we’ve helped countless drivers across South Carolina, North Carolina, and Georgia navigate this process. Here’s what you need to know about regaining your driving privileges with SR-22 insurance.
What Is an SR-22?
An SR-22 is not insurance itself. It’s a certificate filed with the state by your insurance company that proves you carry the minimum liability coverage required by law. Think of it as a guarantee to the state that you’re financially responsible to drive again.
When Is an SR-22 Required?
You may need an SR-22 filing if your license was suspended for:
- Driving under the influence (DUI/DWI)
- Driving without insurance
- Multiple traffic violations or at-fault accidents
- Reckless or negligent driving
- Failure to pay fines or judgments
Each state sets its own requirements, but in SC, NC, and GA, drivers with certain violations must maintain an SR-22 for a specific period of time (often 3 years).
Steps to Regain Your License with an SR-22
- Contact an Insurance Agency
Not all insurance companies handle SR-22 filings. Working with an independent agency like Upstate’s Choice ensures you’ll find carriers that do. - Purchase the Right Policy
Depending on your situation, you may need a standard auto policy with SR-22 or a non-owner policy if you don’t own a vehicle. - File the SR-22 Form
Once you’re insured, your carrier files the SR-22 certificate with the state DMV on your behalf. - Pay Reinstatement Fees
Most states require a reinstatement fee before your license is restored. - Maintain Continuous Coverage
You must keep your policy active for the entire required period. If it lapses, your insurer will notify the state, and your license could be suspended again.
Why Maintaining SR-22 Insurance Matters
- Restores Your Legal Driving Privileges – Without it, you can’t legally get behind the wheel.
- Builds Back Your Driving Record – Continuous coverage shows responsibility and can help lower premiums over time.
- Prevents Additional Penalties – Driving without meeting SR-22 requirements can lead to longer suspensions, higher fines, or even jail time.
How Upstate’s Choice Insurance Helps Drivers
- We work with multiple carriers that handle SR-22 filings.
- We help both vehicle owners and those who need non-owner SR-22 insurance.
- We make the process fast, simple, and affordable—often providing same-day filing so you can get back on the road quickly.
- We review your policy regularly to help you lower costs as your record improves.
Ready to Get Back Behind the Wheel?
At Upstate’s Choice Insurance, we believe everyone deserves a second chance. If your license has been suspended, our team is here to guide you step-by-step through the SR-22 process so you can regain your freedom and peace of mind.
👉 Call us today or request a free SR-22 insurance quote online to start the process of getting back on the road in South Carolina, North Carolina, or Georgia.