SR22 COMPANIES THAT OFFER THE CHEAPEST INSURANCE IN SOUTH CAROLINA

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.

Car Insurance COMPANY	SR22 OFFERED
GAINSCO Car Insurance Co.	yes
Allstate Car Insurance	unsure
Progressive Car Insurance	Yes
American Family Car Insurance	no
Nationwide Car Insurance	no
USAA Car Insurance	no
State Auto Car Insurance	no
Liberty Mutual Car Insurance	yes
AssuranceAmerica Car Insurance	yes
Travelers Car Insurance	no
Dairyland Car Insurance	yes
The General Car Insurance	yes
Mendota Car Ins. Company	yes
Bristol West Car Insurance	yes
Safeco Car Insurance	no
State Farm Car Insurance	unsure
Geico Car Insurance	yes
Farmers Car Insurance	yes
National General Car Insurance	yes
21st Century Car Insurance	no

SR22 Insurance South Carolina: DO YOU NEED AN SR-22 BUT DO NOT OWN A VEHICLE?

Non-owner insurance is a coverage solution that ensures compliance with the state’s mandates while offering flexibility and affordability for drivers looking for the cheapest insurance in South Carolina.

Non-Owner South Carolina SR22 Insurance: Why Get a non owner’s policy?

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.

SR-22 SOUTH CAROLINA AFFORDABLE LIABILITY SAMPLE CAR INSURANCE RATES

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.

Company	SR22 Liability (Average)
Liberty Mutual	$134.00
Progressive Insurance	$69.00
Travelers	N/A
Bristol West	$101.00
The General	$73.00
American Family	N/A
State Auto	N/A
Safeco	N/A
GAINSCO	$84.00
Assurance America	$92.00
Acceptance RTR	$85.00
Allstate	N/A
21st Century	N/A
Mendota Ins. Company	$73.00
National General	$119.00

See Some real life sample liability only insurance Rates!

SR-22 INSURANCE SOUTH CAROLINA COMPANY FILING FEES

SR22 Insurance in South Carolina is readily available through numerous companies, typically for a minimal fee.

Most insurance providers charge anywhere from $0 to $25 for each term to handle the necessary reporting obligations to the State of South Carolina.

COMPANY	SR22 FILING FEE
The General	$25.00
Progressive Insurance	$25.00
Liberty Mutual	$15-$25
National General	$25.00
Bristol West	N/A
State Auto	N/A
USAA	N/A
Nationwide	N/A
Travelers	N/A
Assurance America	$25.00
Acceptance RTR	$25.00
Dairyland	Free
21st Century	N/A
Allstate	Unknown
Mendota Ins. Company	N/A
State Farm	Unknown
Farmers	$15-$65
Safeco	N/A

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 remains relatively minor or even waived entirely, depending on the insurance company.

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

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.

LOWEST PRICED SR-22 INSURANCE SOUTH CAROLINA BY COMPANY

SR22 Insurance South Carolina- Many of the Insurance companies listed below specialize in SR-22 filings, or ‘high-risk’ drivers. They offer competitive rates compared to other companies that may not prefer high risk drivers.

Credit scores can also influence the availability and cost of insurance coverage. Maintaining a good credit score can lead to lower premiums.

CITY	CHEAPEST COMPANY
Florence	Progressive
Socastee	Progressive
James Island	Progressive
Bennettsville	The General
Greenville	Liberty Mutual
Hanahan	Geico
Welcome	Progressive
Orangeburg	Liberty Mutual
Lugoff	Geico
Gaffney	Progressive
Myrtle Beach	Progressive
Boiling Springs	Progressive
Goose Creek	The General
Hilton Head Island	Progressive
York	Farmers
Mount Pleasant	Liberty Mutual
Parker	Geico
Powdersville	Geico
Laurens	Liberty Mutual
Moncks Corner	National General
Bluffton	Progressive
Charleston	Dairyland*
Tega Cay and Forest Acres	National General
Cayce	Progressive
Five Forks	Liberty Mutual
Irmo	Geico
Easley	Liberty Mutual
Spartanburg	Farmers
Anderson	Bristol West
Oak Grove	Geico
Columbia	National General
Burton	The General
North Myrtle Beach	Progressive
Fountain Inn	Geico
Rock Hill	Geico
North Charleston	Progressive
Lake Wylie	The General
Lancaster	Progressive
West Columbia	Progressive
Simpsonville	Geico
Sangaree	The General
Greer	Progressive
Aiken	The General
Dentsville	Geico
Murrells Inlet	National General
Sans Souci	Bristol West
Sumter	Geico
Little River	Liberty Mutual
Woodfield	Progressive
St. Andrews	Geico
Gantt	Bristol West
Wade Hampton	Geico
Georgetown	Liberty Mutual
Union	Progressive
Newberry	Progressive
Lexington	Farmers
Berea	Progressive
Greenwood	Progressive
Conway	The General
Seven Oaks	Farmers
Beaufort	Bristol West
Seneca	Geico
Red Hill	Geico
Taylors	Progressive
Clinton	Progressive
Red Bank	Progressive

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.

AVERAGE COST FOR FULL COVERAGE SR-22 INSURANCE SOUTH CAROLINA

SR-22 Insurance South Carolina: Drivers may need full coverage auto insurance, even with an SR-22 filing. Full coverage can be tailored for each vehicle to meet each driver’s needs coverage and price-wise. You can adjust your deductibles and add extra coverages like Roadside and Rental Reimbursement. The cost for full coverage varies upon the type of vehicle, coverages desired, and the driver’s history.

CITY	AVERAGE 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

DUI and 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 DMV.

AVERAGE PRICE FOR LIABILITY SR-22 INSURANCE SOUTH CAROLINA BY CITY

Aside from the vehicle, coverages needed, and driving history, location impacts the cost of insurance.

Are you just looking for the bare minimum coverage to make you legal, with an SR-22 added to your policy? These are the average prices for minimum liability with an SR-22 filing in South Carolina by city.

CITY	AVERAGE 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

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

STATE INSURANCE REQUIREMENTS IN SOUTH CAROLINA

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. 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.

State	State Min	Uninsured Motorist
South Carolina	25/50/25	25/50/25

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.