Understanding SR22: An Overview of SR22 Requirements and Policies

SR22 car insurance is a state filing that must be added to an insurance policy in South Carolina . This filing serves as proof to the state that a person meets the necessary requirements to drive on the roads. Car insurance policies with SR22 can be either basic liability or full coverage, with the SR22 filing acting as an attachment to the policy. Insurance companies are required to report the status of coverage to the state on a monthly basis.

• Some companies may charge a simple filing fee for the SR22 car insurance.
• Some companies will charge a surcharge point system.
• Good news? Some companies file the SR22’s for free.  

The duration of the SR22 filing is determined by the South Carolina Department of Motor Vehicles and the courts, with periods ranging from as short as three months to as long as seven years. It’s always advisable to check with the local DMV for specific requirements pertaining to individual cases.

SR22 Car Insurance Explained

The Violations That Require SR22 Car Insurance Coverage: Some people who need Car Insurance in South Carolina require something beyond the typical policy. SR22 insurance South Carolina policy is a unique type of policy that requires the driver to take on additional responsibilities. This kind of vehicle insurance is typically something that is needed only when a court order is issued. In most cases, the judge orders a driver to buy an SR22 Car Insurance policy when that driver has received a conviction for unsafe driving.

Certain violations, such as Driving While Intoxicated (DWI), Driving Under the Influence (DUI), driving without insurance, or accumulating excessive traffic violations within a short period, may lead to a court order requiring SR22 car insurance coverage.

The Cost of SR22 Coverage: The cost of SR22 coverage is typically higher than that of a regular insurance policy. Most plans require a larger deposit and come with significantly higher monthly premiums. However, the added expense is justified for individuals who need coverage to remain on the road. By comparing quotes, it’s possible to find the lowest available cost for SR22 insurance in South Carolina.

Comparing Premiums: Factors That Influence the Cost of SR22 Insurance Across Policies

Premiums for SR22 insurance in South Carolina can vary based on several factors. These factors include the driver’s overall driving record, credit score, miles driven per month or year, location, type of vehicle, age, gender, and marital status. Each of these factors can impact the price significantly, and it’s recommended to inquire about potential discounts that may be applicable.

1. The overall driving record of the driver, both before and after the conviction: If the conviction were a one-time thing, the rates would be lower. If the conviction is the latest in a long string of moving violations, the cost will be higher.
2. The credit score of the driver: Higher credit scores will often yield much lower rates, both with ordinary car insurance and with SR22 car insurance.
3. The miles driven per month or year: The fewer miles, the lower the cost will normally be.
4. The location: Some areas of the U.S. have higher crime rates, and these areas usually have higher insurance rates as well.
5. The type of vehicle: Vehicles with additional safety features are less costly to insure, and older cars are less expensive to insure.
6. Age: People over 25 years old typically receive cheaper rates than younger drivers in many cases, something that is true with nearly all types of policies.
7. Gender: Women are statistically deemed to be safer drivers, and thus often receive cheaper SR22 rates.
8. Marital status: People who are married usually receive an extra discount on their vehicle insurance, as they are deemed to be more careful drivers.

All of these factors can combine to alter the price significantly. Drivers should ask their agents for any potential discounts that they may not be aware of since this insurance can be costly.

A Plus Insurance Approved: Dairyland and Progressive-Our Go-to in SC for people who need SR22

Dairyland and Progressive are often considered good options for people who need SR22 insurance for the following reasons:

1. Specialization in High-Risk Insurance: Both Dairyland and Progressive have a strong focus on providing insurance solutions for high-risk drivers. They understand the unique needs and challenges faced by individuals who require an SR22 filing.
2. Experience with SR22 Filings: These companies have extensive experience in dealing with SR22 filings and are well-versed in the specific requirements and processes involved. This expertise ensures a smoother and more efficient experience when obtaining South Carolina SR22 insurance.
3. Competitive Rates: Dairyland and Progressive often offer competitive rates for SR22 insurance policies. While the cost of SR22 insurance can vary depending on individual factors such as driving history and location, these companies are known for providing affordable options.
4. Wide Range of Coverage Options: Both Dairyland and Progressive offer a variety of coverage options to suit different needs and budgets. They provide the flexibility to customize your policy with additional features and coverage levels, ensuring you can find a plan that meets your specific requirements.
5. Strong Customer Service: Dairyland and Progressive are recognized for their commitment to customer service. They have responsive support teams that can assist you throughout the process, from obtaining an SR22 filing to managing your policy and addressing any concerns or questions that may arise.

Remember, while Dairyland and Progressive are often recommended for SR22 insurance, it’s always a good idea to compare quotes and coverage options from multiple insurance providers to find the best fit for your individual circumstances.

Insurance companies in South Carolina that offer SR22

Here is a list of insurance companies in South Carolina that offer SR22 insurance:

1. State Farm
2. Allstate
3. Progressive
4. GEICO
5. Nationwide
6. Farmers Insurance
7. Liberty Mutual
8. Travelers Insurance
9. Esurance
10. USAA (for military members and their families)
11. Direct Auto Insurance
12. The General
13. Acceptance Insurance
14. SafeAuto Insurance
15. Elephant Auto Insurance

Please note that this list is not exhaustive, and there may be other insurance companies in South Carolina that offer SR22 insurance as well. It’s always a good idea to contact multiple insurance providers to compare quotes and coverage options.

Duration of SR22 Insurance: How Long Insurance Companies and the State Require Policyholders to Maintain Coverage

SR22 insurance in South Carolina has a specific term, usually lasting either six months or one year for standard vehicle policies. However, SR22 works differently as the court typically requires the certificate to be maintained for several years. DUI convictions, for instance, typically necessitate a five-year policy in South Carolina. It’s crucial to avoid any lapse in coverage during the entire policy duration, as any missed or significantly late payment can result in the nullification of coverage. Insurance companies are legally obligated to report any lapses in SR22 coverage to the state, leading to the loss of driving privileges.

The Type of Coverage Required by Law: According to South Carolina law, SR22 car insurance policies must include specific types of coverage.

1. $25,000 in Bodily Injury/Death for one person, per accident
2. $50,000 in Bodily Injury/Death for multiple injured people, per accident
3. $25,000 in Property Damage coverage per accident, which can be applied to various people

The amounts listed above are only minimums in liability coverage. It is up to the individual driver whether they wish to purchase additional coverage. In many cases, additional liability is recommended. If an accident is caused by the SR22-insured driver and the minimum coverage is not sufficient to pay the damages, the insured person may be subject to a lawsuit from the individual who was injured.

Proof of SR22 Car Insurance Coverage: It is essential for drivers with SR22 car insurance to keep proof of insurance with them at all times while driving in South Carolina (or anywhere for that matter). The insurance company will provide a certificate of insurance, which should be kept in the glove compartment for easy access. It’s important to note that the certificate remains valid unless explicitly stated otherwise.

For more information, resources, roadside assistance, or to find quotes and coverage options for SR22 car insurance, individuals can use online platforms, call insurance agencies, or utilize specialized apps to access the necessary forms and information.

Why do I need SR22 Insurance?

If you’re experiencing the aftermath of a driving violation in South Carolina, such as a DUI, reckless driving, or driving without insurance, you might find yourself required to obtain an SR22 insurance. This certificate is proof that you carry the minimum liability coverage required by state law, essentially guaranteeing to the state that you are insured. It’s a step towards regaining your driving privileges and demonstrating your commitment to responsible driving.

Securing SR22 insurance in South Carolina isn’t just about fulfilling a legal requirement; it’s about getting back on the road safely and responsibly. Our brokerage works with multiple carriers to find you a policy that meets your needs and budget, making the process as smooth as possible for you.

SR22 Insurance Rate Comparison

• Progressive: Offers competitive rates and flexible policies.
• Dairyland: Known for accommodating drivers requiring SR22.
• National General: Provides options for drivers with varied needs.

Remember, these rates are estimates and can vary based on your specific situation. Contact us directly to get the most accurate quote tailored to your needs. Let us guide you through the process of obtaining SR22 insurance in South Carolina with ease and confidence.

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Last Updated on March 27, 2024 by Veronica Moss