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SR22 Insurance South Carolina

All About Auto Insurance In South Carolina With An SR22

Cheapest SR22 Insurance in South Carolina: Top Companies for Affordable Rates

The cheapest SR22 insurance companies in South Carolina include Progressive, Dairyland, and The General. When looking for SR22 insurance in South Carolina, comparing rates from these providers can help you secure the most affordable coverage and obtain the necessary SR22 certificate from the SCDMV. Each of these companies offers competitive rates and reliable coverage for drivers who need SR22 insurance due to traffic violations. By obtaining quotes from Progressive, Dairyland, and The General, you can ensure you get the best rates while meeting South Carolina’s SR22 filing requirements.

SR22 Insurance South Carolina-Not sure where to start looking for insurance quotes? Find an agent who can shop multiple carriers. Car insurance companies can vary in pricing due to several factors related to coverage. What might these be?

  • First, companies may offer different coverage options, including liability, comprehensive, and collision coverage. Companies with limited coverage options may offer cheaper rates compared to those with broader coverage choices.
  • Additionally, insurers assess risk differently, taking into account factors such as driving history, credit score, and vehicle make/model. Insurers that specialize in specific demographics or offer coverage for specific vehicle types may also offer competitive rates.
  • Lastly, varying operational costs, including marketing expenses and administrative overheads, can influence the pricing strategies of different insurance companies.

Reviews from other policyholders can provide valuable guidance in choosing the right car insurance provider. Checking how each company is rated can give you insights into their customer service and claim-handling performance.

Below is a list of common insurance companies in the areas of South Carolina that do and do not offer SR-22 Insurance, including those that might impose higher rates if you have a BAC-related violation.

Car Insurance COMPANYSR22 OFFERED
GAINSCO Car Insurance Co.yes
Allstate Car Insuranceunsure
Progressive Car InsuranceYes
American Family Car Insuranceno
Nationwide Car Insuranceno
USAA Car Insuranceno
State Auto Car Insuranceno
Liberty Mutual Car Insuranceyes
AssuranceAmerica Car Insuranceyes
Travelers Car Insuranceno
Dairyland Car Insuranceyes
The General Car Insuranceyes
Mendota Car Ins. Companyyes
Bristol West Car Insuranceyes
Safeco Car Insuranceno
State Farm Car Insuranceunsure
Geico Car Insuranceyes
Farmers Car Insuranceyes
National General Car Insuranceyes
21st Century Car Insuranceno
SR22 Insurance South Carolina

How to Get SR22 Insurance in South Carolina Without Owning a Vehicle

If you need SR22 insurance in South Carolina but don’t own a vehicle, you can obtain a non-owner SR22 insurance policy. Non-owner SR22 insurance provides liability coverage for drivers who are required to file an SR22 but don’t have a car. This type of policy allows you to comply with South Carolina’s financial responsibility laws while driving a borrowed or rented vehicle. Companies like Progressive, Dairyland, and The General offer competitive non-owner SR22 insurance rates. Be sure to compare quotes to find the best option that meets your needs.

Non-Owner SR22 Insurance in South Carolina: Why You Need a Non-Owner’s Policy

Getting non-owner SR22 insurance in South Carolina is essential if you need SR22 coverage but do not own a vehicle. Non-owner SR22 policies provide liability coverage, ensuring you comply with South Carolina’s financial responsibility laws while driving a borrowed or rented vehicle. This type of policy is ideal for individuals who frequently drive vehicles they do not own or who need to meet SR22 requirements without purchasing a car. Companies like Progressive, Dairyland, and The General offer competitive rates for non-owner SR22 insurance, so compare quotes to find the best option for your needs.

  1. Infrequent Driving: A non owners SR22 insurance South Carolina policy might be necessary for individuals who drive occasionally but don’t own a car. It provides liability coverage for borrowed or rented vehicles, saving money compared to a full car insurance policy.
  2. Rental Cars: Those who frequently rent vehicles can benefit from a non owners auto insurance policy. It extends liability coverage to rental cars, potentially reducing additional insurance costs at the rental counter.
  3. Borrowed Vehicles: When occasionally driving someone else’s car, a non owners policy ensures liability coverage. This protects both the driver and the vehicle owner, keeping their regular insurance unaffected.
  4. Legal Requirements: Some states, including South Carolina, require individuals with driving violations to carry an SR-22 filing to reinstate their driving privileges. A non owners auto insurance policy with an SR-22 filing fulfills this requirement without owning a vehicle.
  5. Coverage Gaps: For those who no longer own a car but have insurance history gaps, a non owners policy helps maintain continuous coverage. This continuous coverage can be advantageous when applying for standard auto insurance in the future, potentially leading to lower rates.

SR22 Insurance in South Carolina offers coverage options tailored to meet the state’s liability requirements. If you don’t own a vehicle, a non-owners auto policy could be just the insurance you need.

Residents have the choice of purchasing a Non Owners or Named Operator policy, which provides coverage for the Named Insured when driving non-owned vehicles.

To fulfill the SR-22 filing requirement, individuals can add it to this policy for a a small fee or sometimes even free, depending on the insurance company.

For those seeking guidance in selecting the right car insurance company, reading reviews and understanding how each company is rated can be beneficial.

Affordable SR-22 Liability Insurance Rates in South Carolina: Sample Quotes

Obtaining Liability Insurance with SR-22 coverage in South Carolina doesn’t necessarily equate to exorbitant costs. Numerous insurance providers extend discounts for maintaining paperless policies, accident-free records, enrolling in automatic payment systems, and participating in safe driving programs.

It’s prudent to compare insurance rates from multiple companies to secure the most affordable coverage possible. By exploring different options and taking advantage of available discounts, individuals can find cost-effective SR-22 insurance in South Carolina without compromising on quality coverage.

Car insurance companies often factor in a driver’s credit score when determining insurance rates. Maintaining a good credit score can lead to lower insurance premiums.

CompanySR22 Liability (Average)
Liberty Mutual$134.00
Progressive Insurance$69.00
TravelersN/A
Bristol West$101.00
The General$73.00
American FamilyN/A
State AutoN/A
SafecoN/A
GAINSCO$84.00
Assurance America$92.00
Acceptance RTR$85.00
AllstateN/A
21st CenturyN/A
Mendota Ins. Company$73.00
National General$119.00
SR22 Insurance South Carolina cheapest rates

SR-22 Insurance in South Carolina: Company Filing Fees

When looking for SR-22 insurance in South Carolina, it’s important to understand the company filing fees and rates. The filing fees for SR-22 insurance typically range from $15 to $50, depending on the insurance provider. In addition to these fees, your overall insurance premium will be higher due to the SR-22 requirement. Companies like Progressive, Dairyland, and The General offer competitive rates for SR-22 insurance, so it’s crucial to compare quotes to find the best deal. By evaluating these costs, you can ensure compliance with South Carolina’s SR-22 requirements while managing your budget effectively.

COMPANYSR22 FILING FEE
The General$25.00
Progressive Insurance$25.00
Liberty Mutual$15-$25
National General$25.00
Bristol WestN/A
State AutoN/A
USAAN/A
NationwideN/A
TravelersN/A
Assurance America$25.00
Acceptance RTR$25.00
DairylandFree
21st CenturyN/A
AllstateUnknown
Mendota Ins. CompanyN/A
State FarmUnknown
Farmers$15-$65
SafecoN/A
SR22 Insurance South Carolina

It’s important to dispel the misconception that SR-22 Insurance South Carolina rates are inherently expensive. In truth, the impact on premiums stems (in most cases) from the driver’s violations rather than the SR-22 filing itself.

Violations such as speeding tickets or DUIs significantly affect coverage costs, while the SR-22 fee or SR-22 certificate remains relatively minor or even waived entirely, depending on the insurance company.

By understanding the role of violations, filing requirements, the modest expense of SR-22 filings, and the impact of BAC, individuals can secure the necessary coverage without undue financial strain.

SR22 Insurance South Carolina Violations: Here is a list of violations and their impact on auto insurance premiums:

  1. DUI/DWI: High
  2. Reckless Driving: High
  3. Hit and Run: High
  4. Racing: High
  5. Driving without a License: High
  6. Driving with a Suspended License: High
  7. At-Fault Accident: High
  8. Speeding (Significantly over the Limit): High
  9. Driving Under the Influence of Drugs: High
  10. Texting While Driving: High
  11. Careless Driving: Medium
  12. Failure to Yield: Medium
  13. Running a Red Light/Stop Sign: Medium
  14. Driving with Expired Registration: Medium
  15. Following Too Closely (Tailgating): Medium
  16. Failure to Obey Traffic Signals: Medium
  17. Improper Passing: Medium
  18. Driving with a Learner’s Permit Unsupervised: Medium
  19. Driving without Insurance: Medium
  20. Seat Belt Violation: Low

Keep in mind that the impact of these violations on auto insurance premiums can vary based on the insurance company’s policies, the driver’s history, and the severity of the violation. Generally, more serious violations like DUI/DWI and reckless driving will have a higher impact on insurance rates, while minor violations may result in a smaller increase.

For those seeking credit-related guidance and looking to compare insurance rates, it’s essential to consider multiple factors like driving history, credit score, and the type of coverage needed.

South Carolina SR-22 Insurance Laws: What You Need to Know

SR-22 Insurance South Carolina Important Reminders and Regulations:

SR-22 Insurance South Carolina Important Reminders and Regulations:

  1. SR-22 Filing Requirement: South Carolina law mandates that certain drivers, who have committed specific offenses or violations, must obtain SR-22 insurance to reinstate their driving privileges. This filing serves as proof of financial responsibility and ensures that the driver meets the state’s minimum liability insurance requirements.
  2. Minimum Liability Limits: Drivers filing for SR-22 insurance in South Carolina must carry the state’s minimum liability insurance limits. The minimum requirements are $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $25,000 property damage coverage per accident.
  3. Continuous Coverage: Drivers required to maintain SR-22 insurance in South Carolina must maintain continuous coverage for a specified period. Any lapses or cancellations in coverage may lead to further penalties or extensions of the SR-22 filing requirement.
  4. SR-22 Duration: The duration of the SR-22 filing in South Carolina varies based on the nature of the violation or offense. Typically, it lasts for three years, but it can extend up to five years for severe violations like DUI/DWI.
  5. Restricted Driving Privileges: In certain cases, drivers with SR-22 insurance may have restricted driving privileges. This means they might be limited to driving only to and from work or other specific locations approved by the court. Violating these restrictions can lead to additional penalties or even license suspension.

Please note that laws and regulations can change over time, and it’s essential to consult with a legal professional or insurance agent in South Carolina, such as through the DMV or SCDMV, to get the most up-to-date information on SR-22 insurance requirements in the state.

Cheapest SR-22 Insurance in South Carolina: Rates by Company

The cheapest SR-22 insurance in South Carolina can be found by comparing rates from companies like Progressive, Dairyland, and The General. These providers often offer competitive rates for SR-22 insurance, making it easier for high-risk drivers to find affordable coverage. When searching for the lowest priced SR-22 insurance, it’s essential to obtain quotes from multiple companies to ensure you get the best deal. Rates can vary based on factors such as your driving history, age, and the type of coverage required.

CITYCHEAPEST COMPANY
FlorenceProgressive
SocasteeProgressive
James IslandProgressive
BennettsvilleThe General
GreenvilleLiberty Mutual
HanahanGeico
WelcomeProgressive
OrangeburgLiberty Mutual
LugoffGeico
GaffneyProgressive
Myrtle BeachProgressive
Boiling SpringsProgressive
Goose CreekThe General
Hilton Head IslandProgressive
YorkFarmers
Mount PleasantLiberty Mutual
ParkerGeico
PowdersvilleGeico
LaurensLiberty Mutual
Moncks CornerNational General
BlufftonProgressive
CharlestonDairyland*
Tega Cay and Forest AcresNational General
CayceProgressive
Five ForksLiberty Mutual
IrmoGeico
EasleyLiberty Mutual
SpartanburgFarmers
AndersonBristol West
Oak GroveGeico
ColumbiaNational General
BurtonThe General
North Myrtle BeachProgressive
Fountain InnGeico
Rock HillGeico
North CharlestonProgressive
Lake WylieThe General
LancasterProgressive
West ColumbiaProgressive
SimpsonvilleGeico
SangareeThe General
GreerProgressive
AikenThe General
DentsvilleGeico
Murrells InletNational General
Sans SouciBristol West
SumterGeico
Little RiverLiberty Mutual
WoodfieldProgressive
St. AndrewsGeico
GanttBristol West
Wade HamptonGeico
GeorgetownLiberty Mutual
UnionProgressive
NewberryProgressive
LexingtonFarmers
BereaProgressive
GreenwoodProgressive
ConwayThe General
Seven OaksFarmers
BeaufortBristol West
SenecaGeico
Red HillGeico
TaylorsProgressive
ClintonProgressive
Red BankProgressive
SR22 Insurance South Carolina

Some companies will not insure drivers who require an SR-22 filing, so it is best to check several insurance providers to make sure you are getting the best price for the coverage you need.

SR22 Insurance South Carolina Question Answered: Why don’t some Insurance Companies offer SR22 filings?

  1. High-risk profile: Drivers with serious violations may be considered high-risk, leading insurers to avoid providing SR-22 filings to mitigate potential losses.
  2. Previous policy cancellation: Insurance companies may decline SR-22 filings for drivers with a history of policy cancellations, deeming them higher risk.
  3. Company policies and underwriting guidelines: Insurers have specific criteria, such as a driver’s record of accidents or BAC levels, and if a driver’s record doesn’t align, they may not offer SR-22 insurance.

AVERAGE COST FOR FULL COVERAGE SR-22 INSURANCE SOUTH CAROLINA

The average cost of full coverage SR-22 insurance in South Carolina typically ranges from $150 to $200 per month. This cost varies based on factors such as your driving history, age, and the insurance provider you choose. When looking for SR-22 insurance in South Carolina, it’s crucial to compare quotes from multiple providers like Progressive, Dairyland, and The General to find the best rates and ensure you receive your SR-22 certificate. Full coverage SR-22 insurance includes liability, comprehensive, and collision coverage, ensuring you meet South Carolina’s legal requirements while protecting your vehicle.

CITYAVERAGE PRICE FOR FULL COVERAGE
Little River$166
Irmo$178
Socastee$162
Cayce$171
Florence$151
Simpsonville$170
Seneca$153
Greenville$165
Lexington$168
Anderson$149
Mauldin$158
Laurens$179
North Myrtle Beach$167
Charleston$154
Conway$160
Boiling Springs$157
Bluffton$161
Lugoff$173
Moncks Corner$172
Rock Hill$175
Welcome$154
Spartanburg$168
Newberry$153
Ladson$167
Five Forks$178
Oak Grove$171
St. Andrews$159
York$159
Gantt$162
Sangaree$174
North Augusta$151
Parker$179
Georgetown$151
Fort Mill$165
Red Bank$146
James Island$169
Hilton Head Island$170
Mount Pleasant$180
Beaufort$174
Bennettsville$160
Fountain Inn$151
Easley$169
Port Royal$146
Gaffney$180
Goose Creek$166
Seven Oaks$157
Garden City$174
Burton$170
Berea$169
Greer$175
SR22 Insurance South Carolina

DUI and SR22 Insurance South Carolina

SR22 Insurance South Carolina

If you’ve been convicted of a DUI in South Carolina, you will be required to carry an SR22 with at least State minimum liability for 3-5 years. Details pertaining to your specific case can be answered by your local SCDMV.

Average Price of Liability SR-22 Insurance in South Carolina by City

The average price of liability SR-22 insurance in South Carolina varies by city, typically ranging from $100 to $150 per month. When searching for SR-22 insurance, it’s important to compare rates from multiple providers in different cities like Charleston, Columbia, and Greenville. Providers such as Progressive, Dairyland, and The General offer competitive rates, but costs can differ based on your driving history and location. By obtaining quotes from various companies, you can find the best rate for your SR-22 liability insurance needs in South Carolina.

CITYAVERAGE PRICE
Mauldin$95.00
Lake Wylie$96.00
Tega Cay and Forest Acres$110.00
North Myrtle Beach$97.00
Greenwood$91.00
Mount Pleasant$100.00
Florence$110.00
Little River$96.00
Wade Hampton$106.00
Cayce$99.00
Laurens$91.00
Easley$94.00
Woodfield$98.00
Sangaree$93.00
Powdersville$90.00
Ladson$90.00
Hartsville$89.00
Georgetown$88.00
Clinton$98.00
Boiling Springs$100.00
Port Royal$100.00
Irmo$93.00
Rock Hill$95.00
Clemson$110.00
Bluffton$99.00
Goose Creek$86.00
Lugoff$95.00
Lexington$90.00
Gaffney$110.00
Gantt$87.00
Garden City$110.00
Columbia$104.00
Aiken$103.00
Burton$106.00
West Columbia$96.00
Sans Souci$92.00
Hilton Head Island$90.00
Myrtle Beach$86.00
Berea$93.00
Greenville$101.00
Fountain Inn$95.00
Seneca$86.00
Bennettsville$93.00
Conway$103.00
St. Andrews$90.00
Moncks Corner$105.00
Spartanburg$100.00
Newberry$92.00
Charleston$100.00
Taylors$105.00
Simpsonville$96.00
Five Forks$94.00
North Charleston$103.00
Fort Mill$90.00
SR22 Insurance South Carolina Liability

The number of accidents and claims in an area and surrounding areas impact the insurance premium for all drivers in that area, which is why insurance prices fluctuate. Some factors that lead to higher claims include:

  1. High Population Density
  2. Higher Frequency of Theft and Vandalism
  3. Inclement Weather and Natural Disasters
  4. Medical Costs and Legal Environment
  5. Repair and Labor Costs

What are the requirements for SR-22 in SC?

Each State requires drivers to obtain their State Minimum Liability Limits to make drivers legal. This requirement applies to SR22 Insurance South Carolina drivers and drivers without the need of an SR22.

These limits are the base limit that is required, and coverages may be increased for greater protection, ensuring you meet all filing requirements. Liability will pay out to another party if you are found At Fault in the event of an accident.

These limits are $25,000 per person for bodily injury expenses, up to $50,000 per accident and $25,000 for property damage. Uninsured Motorist is also required in South Carolina, which is $25,000 per person for bodily injury expenses, up to $50,000 per accident, and $25,000 for property damage. Uninsured Motorist is intended to protect the driver for medical expenses and property damage if they are hit by an Uninsured Driver (A driver who is not insured).

By comparing different insurance options and understanding how each company is rated, individuals can make informed decisions about their car insurance coverage, ensuring they get the best value for their needs.

StateState MinUninsured Motorist
South Carolina25/50/2525/50/25
SR-22 Insurance South Carolina State Minimum Requirements

Criteria for Determining Eligibility for Home and Auto Insurance Discounts

  • Good Credit Score
    A good credit score is one of the top criteria for determining eligibility for insurance discounts. Insurers often provide lower rates to individuals with strong credit histories, as it indicates responsible financial behavior.
    Key Benefit: Eligible for up to 20% in premium discounts.
    Call us at 1.888.445.2793 to check if your credit score qualifies you for discounts. Text Us
  • Safe Driving Record
    Maintaining a clean driving record is crucial for unlocking auto insurance discounts. Drivers with no accidents or violations in the last three to five years often qualify for reduced rates.
    Key Benefit: Potential savings of up to 30% for safe drivers.
    Call us at 1.888.445.2793 to see how much you could save. Text Us
  • Claims-Free History
    If you have not filed any claims in recent years, you may be eligible for claims-free discounts on both home and auto insurance. Insurers reward customers who have a low risk of filing claims.
    Key Benefit: Save up to 15% on premiums.
    Call us at 1.888.445.2793 to find out if your claims-free status qualifies you for discounts. Text Us
  • Home Safety Features
    Installing safety features such as smoke detectors, burglar alarms, and fire sprinklers can help lower your home insurance premiums. These features reduce the risk for insurers, which translates into discounts for homeowners.
    Key Benefit: Discounts of up to 10% for home safety improvements.
    Call us at 1.888.445.2793 to discuss which safety features qualify. Text Us

SR22 Insurance in South Carolina: Article Information

Factors Affecting SR-22 Insurance Rates in South Carolina

When it comes to insurance rating factors for SR22 insurance South Carolina’s policies, several variables can influence the premiums charged by insurance companies. Here is a list of common rating factors that insurers consider when determining insurance rates in South Carolina:

  1. Age: Younger and inexperienced drivers typically have higher insurance rates.
  2. Gender: Statistically, males and females may have different risk profiles, impacting insurance rates.
  3. Driving Record: A history of accidents, traffic violations, and DUI convictions can lead to higher premiums.
  4. Vehicle Make and Model: The type of vehicle, its age, and its safety features can affect car insurance rates.
  5. Annual Mileage: Higher mileage can increase the risk of accidents, potentially impacting insurance rates.
  6. Credit History: Insurers in South Carolina may consider credit-based insurance scores when calculating premiums.
  7. Location: The area where the insured resides and parks their vehicle can influence rates due to factors like crime rates and accident frequency.
  8. Deductible Amount: Choosing a higher deductible can lower premiums, while a lower deductible may lead to higher car insurance costs.
  9. Coverage Limits: Higher coverage limits typically result in higher premiums.
  10. Prior Insurance Coverage: Maintaining continuous insurance coverage without gaps can positively impact rates.
  11. Marital Status: Married individuals may receive lower rates compared to single individuals.
  12. Occupation: Certain professions may be associated with lower risk, potentially affecting insurance rates.

Please note that these rating factors can vary across insurance providers. Insurers may weigh each factor differently, and additional factors may also be considered. It’s essential to consult with specific car insurance companies or agents to understand how they assess rating factors and determine premiums for coverage in South Carolina.

Frequently Asked Questions About SR22 Insurance in South Carolina

Q1: What is SR22 insurance, and when is it required in South Carolina?

A1: SR22 insurance is a certificate of financial responsibility required by the state of South Carolina for individuals who have been involved in certain traffic violations or offenses. It is typically required after incidents like DUI convictions, driving without insurance, or repeated traffic violations.

Q2: How can I obtain SR22 insurance in South Carolina?

A2: To obtain SR22 insurance in South Carolina, you’ll need to contact an insurance provider that offers SR22 coverage. Your insurance company will then file the SR22 certificate with the South Carolina Department of Motor Vehicles (DMV) on your behalf. It’s essential to maintain continuous coverage throughout the required period.

Q3: How long do I need to maintain SR22 insurance in South Carolina?

A3: The duration for maintaining SR22 insurance in South Carolina varies depending on the specific reason for the requirement. In most cases, it’s necessary to maintain SR22 coverage for at least three years, but this period may extend if you have multiple violations or offenses on your record.

Q4: How long is SR-22 required in South Carolina?

A4: In South Carolina, SR-22 is typically required for a period of three years. However, this duration can vary based on individual circumstances and the nature of the violations that led to the SR-22 requirement.

Q5: Do I need an SR-22 to reinstate my license near South Carolina?

A5: Yes, if your license was suspended due to certain offenses such as a DUI or driving without insurance, you will likely need to obtain an SR-22 certificate as part of the reinstatement process in South Carolina.

Q6: What is SR22 insurance in South Carolina?

A6: SR22 insurance in South Carolina is a vehicle liability insurance document required by the South Carolina Department of Motor Vehicles for high-risk insurance policies. It’s a certification provided by your insurance company confirming that you have the minimum required liability coverage for the state.

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