The basics
What's an SR-22, and who needs one?
What it is
A certificate your insurance company files with the SC DMV proving you carry the state's required liability coverage. It's not a policy, it's proof of one.
Who needs it
Drivers reinstating a suspended license, after a DUI/DWI, driving uninsured, multiple major violations, or as a court-ordered requirement.
How long
South Carolina typically requires SR-22 coverage for 3 years from reinstatement. We track every renewal so you never lapse.
Why Garcia Agency
The fastest, kindest SR-22 in the Upstate.
Same-day e-filing
Most policies bound and filed within an hour.
100+ carriers
We shop high-risk carriers most agents won't touch.
Non-owner SR-22
Don't own a car? We've got you covered.
Zero judgment
Real conversations. Real solutions. We've seen it all.
Common questions