Cheapest SR-22 Car Insurance in South Carolina

American National provides South Carolina's cheapest SR-22 insurance at $782 for minimum coverage and $1,329 for full coverage. The minimum rate is $1,799 below the state average of $2,582, or about 70% cheaper, one of the strongest discounts in the Southeast.

State Farm, the most expensive on our list, costs $1,919 for minimum coverage, still 26% below the state average but $1,137 more than American National. South Carolina's wide pricing gap rewards drivers who compare multiple carriers.

The table below lists the five companies providing the most affordable SR-22 coverage options in South Carolina.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

American National most frequently wins categories statewide. The cheapest category is Drivers With Other Violations, at $669 for minimum coverage SR-22 insurance with American National, while the most expensive is Young Drivers With a Suspension, at $913 with American National. The $244 spread shows how age and suspension history push rates higher.

Your SR-22 premium will hinge on the violation type, how recent it is, and the way each insurer models risk in South Carolina.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Leesville is South Carolina's cheapest city for minimum coverage SR-22 insurance at $650 (American National), while North Charleston averages $858 (American National). The $208 gap equals about 32% higher in the coastal metro, reflecting urban traffic and claim patterns.

Urban crash rates, theft levels and repair expenses contribute heavily to city-to-city SR-22 differences in South Carolina.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers stands out as the best car insurance provider for SR-22 filing in South Carolina, offering an excellent balance of affordable rates, strong customer service and comprehensive coverage options. While Travelers leads the pack, you should also consider American Family, Farm Bureau, American National and Progressive in your search.

To comply with South Carolina laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years based on the type of violation, noncompliance with requirements or repeated offenses.

Getting an SR-22 is just one part of meeting South Carolina insurance requirements, as drivers must also comply with various other state regulations and coverage laws.

In South Carolina, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in South Carolina:

MoneyGeek analyzed hundreds of thousands of quotes across South Carolina to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

South Carolina SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on South Carolina's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.