- SR22 Insurance South Carolina
- SR22 COMPANIES THAT OFFER THE CHEAPEST INSURANCE IN SOUTH CAROLINA
- SR22 Insurance South Carolina: DO YOU NEED AN SR-22 BUT DO NOT OWN A VEHICLE?
- Non-Owner South Carolina SR22 Insurance: Why Get a non owner's policy?
- SR-22 SOUTH CAROLINA AFFORDABLE LIABILITY SAMPLE CAR INSURANCE RATES
- SR-22 INSURANCE SOUTH CAROLINA COMPANY FILING FEES
- LAWS PERTAINING TO SR-22 INSURANCE SOUTH CAROLINA
- LOWEST PRICED SR-22 INSURANCE SOUTH CAROLINA BY COMPANY
- AVERAGE COST FOR FULL COVERAGE SR-22 INSURANCE SOUTH CAROLINA
- DUI and SR22 Insurance South Carolina
- AVERAGE PRICE FOR LIABILITY SR-22 INSURANCE SOUTH CAROLINA BY CITY
- STATE INSURANCE REQUIREMENTS IN SOUTH CAROLINA
- SR22 Insurance in South Carolina: Article Information
- Factors Affecting SR-22 Insurance Rates in South Carolina
- Frequently Asked Questions About SR22 Insurance in South Carolina
- What We Do at A Plus Insurance
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?
- 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.
- 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.
- 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.
- 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.
- 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 |
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.
SR22 Insurance South Carolina Violations: Here is a list of violations and their impact on auto insurance premiums:
- DUI/DWI: High
- Reckless Driving: High
- Hit and Run: High
- Racing: High
- Driving without a License: High
- Driving with a Suspended License: High
- At-Fault Accident: High
- Speeding (Significantly over the Limit): High
- Driving Under the Influence of Drugs: High
- Texting While Driving: High
- Careless Driving: Medium
- Failure to Yield: Medium
- Running a Red Light/Stop Sign: Medium
- Driving with Expired Registration: Medium
- Following Too Closely (Tailgating): Medium
- Failure to Obey Traffic Signals: Medium
- Improper Passing: Medium
- Driving with a Learner’s Permit Unsupervised: Medium
- Driving without Insurance: Medium
- 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.
LAWS PERTAINING TO SR-22 INSURANCE SOUTH CAROLINA
SR-22 Insurance South Carolina Important Reminders and Regulations:
- 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.
- 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.
- 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.
- 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.
- 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 to get the most up-to-date information on SR-22 insurance requirements in the state.
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.
SR22 Insurance South Carolina Question Answered: Why don’t some Insurance Companies offer SR22 filings?
- High-risk profile: Drivers with serious violations may be considered high-risk, leading insurers to avoid providing SR-22 filings to mitigate potential losses.
- Previous policy cancellation: Insurance companies may decline SR-22 filings for drivers with a history of policy cancellations, deeming them higher risk.
- Company policies and underwriting guidelines: Insurers have specific criteria, 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
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:
- High Population Density
- Higher Frequency of Theft and Vandalism
- Inclement Weather and Natural Disasters
- Medical Costs and Legal Environment
- 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:
- Age: Younger and inexperienced drivers typically have higher insurance rates.
- Gender: Statistically, males and females may have different risk profiles, impacting insurance rates.
- Driving Record: A history of accidents, traffic violations, and DUI convictions can lead to higher premiums.
- Vehicle Make and Model: The type of vehicle, its age, and its safety features can affect car insurance rates.
- Annual Mileage: Higher mileage can increase the risk of accidents, potentially impacting insurance rates.
- Credit History: Insurers in South Carolina may consider credit-based insurance scores when calculating premiums.
- Location: The area where the insured resides and parks their vehicle can influence rates due to factors like crime rates and accident frequency.
- Deductible Amount: Choosing a higher deductible can lower premiums, while a lower deductible may lead to higher car insurance costs.
- Coverage Limits: Higher coverage limits typically result in higher premiums.
- Prior Insurance Coverage: Maintaining continuous insurance coverage without gaps can positively impact rates.
- Marital Status: Married individuals may receive lower rates compared to single individuals.
- 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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Last Updated on by Veronica Moss