Cheapest SR-22 Car Insurance in South Carolina (2024)


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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

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In South Carolina, American National P&C and American Family are the most affordable insurance providers for SR-22 coverage, with average annual premiums of $361 and $440, respectively. For non-owner policies, Auto-Owners and State Farm offer the lowest rates, with average premiums of $460 and $641 per year.

An SR-22 form is filed to demonstrate that your insurance policy meets the minimum requirements set by the state authorities, typically after a severe driving violation.

MoneyGeek Logo IconCheapest SR-22 InsuranceSouth Carolina
2024

Cheapest Companies for SR-22 Car Insurance in South Carolina

Why Trust MoneyGeek? Our team obtained data from the South Carolina Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 and FR-44 insurance companies for various driver profiles.

30,900Quotes Analyzed
 
14Companies Compared

Cheapest Companies for SR-22 Car Insurance in South Carolina

Drivers with DUIs can buy the most affordable minimum coverage policies in South Carolina with these companies:

These insurance providers also offer the cheapest full coverage policies for drivers with DUIs at the following rates:

  • American National P&C: $649 per year
  • American Family: $964 per year

Insuring drivers with severe driving violations is generally risky, so insurance providers often charge them higher rates. Comparing rates from different insurers can help you find affordable SR-22 car insurance coverage. The average car insurance costs range from $361 annually to $3,105 annually. The table below displays the cheapest companies for SR-22 car insurance and their rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
American National P&CAnnual Premium$361Monthly Premium$30
American FamilyAnnual Premium$440Monthly Premium$37
South Carolina Farm BureauAnnual Premium$551Monthly Premium$46
State FarmAnnual Premium$573Monthly Premium$48
Auto-Owners Insurance CoAnnual Premium$905Monthly Premium$75
AllstateAnnual Premium$905Monthly Premium$75
ProgressiveAnnual Premium$976Monthly Premium$81
TravelersAnnual Premium$1,047Monthly Premium$87
GEICOAnnual Premium$1,331Monthly Premium$111
Bristol WestAnnual Premium$1,891Monthly Premium$158
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What Is SR-22 in South Carolina?

An SR-22 form is not an insurance policy. It's a mandated certificate of financial responsibility that your insurer files on your behalf to demonstrate that your policy meets the state's minimum coverage requirements. The state authorities typically require an SR-22 in various instances, like after severe driving violations like a DUI. You'll need to file this document if you find yourself in these common circumstances:

  • DUI, DWI or other serious traffic violations
  • Multiple traffic offenses during a short amount of time
  • Driving while uninsured
  • Involvement in an accident without insurance
  • Renewing a license that has been revoked or suspended

While South Carolina state law requires SR-22 filings to be maintained for three years, the duration may sometimes extend beyond three years. Filing an SR-22 indicates to insurers that you are a high-risk driver, which can result in higher insurance rates.

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Your insurance company should submit a Financial Responsibility Cancellation Form to the appropriate authorities after three years or more based on the terms of your financial responsibility requirement to notify them your SR-22 filing period is over.

Cheapest Companies for Non-Owner SR-22 Car Insurance in South Carolina

These insurance companies provide the most affordable rates for non-owner SR-22 car insurance in South Carolina:

USAA tailors its policies to military members and veterans and offers them the cheapest rates at $611 per year. Non-owner car insurance is necessary even if you don't own a vehicle, as it provides coverage in case of accidents or for license reinstatement purposes. We listed the cheapest non-owner SR-22 car insurance companies and their rates, ranging from $460 to $2,140 annually.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$460Monthly Premium$38
State FarmAnnual Premium$641Monthly Premium$53
GEICOAnnual Premium$678Monthly Premium$57
TravelersAnnual Premium$944Monthly Premium$79
ProgressiveAnnual Premium$1,242Monthly Premium$104
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WHAT IS NON-OWNER CAR INSURANCE?

Consider buying non-owner insurance if you need to file an SR-22 but do not own a car. Such a policy offers protection against bodily injury and property damage to other drivers. It’s typically the best option for rideshare drivers and those who use rental cars. You can find cheap non-owner car insurance in South Carolina by comparing rates.

Average Cost of SR-22 Car Insurance in South Carolina

The average cost of SR-22 insurance in South Carolina is $1,099 for minimum coverage, while it’s $2,066 for full coverage SR-22 car insurance. Other offenses like speeding tickets or at-fault accidents may also require you to file this form. These driving offenses increase your premiums because providers consider you risky to insure.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
CleanAnnual Premium$679Monthly Premium$57
TicketAnnual Premium$1,019Monthly Premium$85
At-Fault AccidentAnnual Premium$1,164Monthly Premium$97
DUIAnnual Premium$1,099Monthly Premium$92
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Comparing insurance rates every year or during policy renewal is always smart, as doing so will ensure that you get the cheapest rates for SR-22 car insurance in South Carolina.

How SR-22 Affects Car Insurance Rates in South Carolina

You’ll notice an increase in your premiums after filing an SR-22 because your insurance carrier will consider you a high-risk driver. MoneyGeek found that such drivers typically pay around $339 more for insurance than those with clean records.

Driving violations are only one of the many reasons that might cause you to file an SR-22. Other reasons include unpaid child support or insufficient insurance.

Car Insurance Rate Comparison Based on Driving Records in South Carolina

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$760
accident2
After a DUI

Annual Premium for Minimum Coverage

$1,099
Car insurance premiums after a DUI are on average: :$339 more

This is 45% more expensive.

Other Effects of SR-22 on Car Insurance in South Carolina

Your premiums can increase after the filing of an SR-22. But it also affects your car insurance in the following ways.

1
Limited number of insurance options

Filing an SR-22 can limit your insurance options as it may result in fewer insurers being willing to provide you coverage due to increased risk.

2
Possible policy cancellation

Your insurer can sometimes cancel your policy when you file an SR-22 in South Carolina.

3
Length of required filing

Depending on the circumstances, the duration of maintaining an SR-22 filing in South Carolina can extend beyond the mandatory three years as per state law.

4
Filing fees

There’s also a one-time filing fee that comes with an SR-22 filing. It can vary from $15 to $50, depending on your state.

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How to Get SR-22 Insurance in South Carolina

South Carolina drivers looking to buy car insurance after a traffic violation should take these steps:

  1. Start by looking for insurance companies that offer policies to drivers with violations on their records.
  2. Buy a policy that meets the minimum auto insurance requirements in South Carolina.
  3. Request that your insurer file an SR-22 on your behalf
  4. Pay the fees and keep them up-to-date.

Taking these measures will prove you're committed to taking responsibility for your driving record and ensuring that you have adequate insurance coverage.

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SOUTH CAROLINA LICENSE REINSTATEMENT FEE

According to South Carolina law, you must pay a $100 reinstatement fee for each suspension. These fees are subject to change, which makes it important to review the most recent information from the local DMV.

How to Get Cheaper Car Insurance in South Carolina After a DUI

Finding cheap SR-22 car insurance in South Carolina after a DUI might be challenging, but it’s not impossible. You can follow these steps to get affordable coverage.

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    Compare quotes immediately

    To find affordable car insurance in South Carolina after a DUI, you should compare quotes from different companies before choosing your insurer. MoneyGeek strongly recommends comparison shopping because insurers will assess your application based on different criteria.

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    Complete DUI classes or programs

    You can enroll in state-approved DUI education programs to help you develop safe driving habits and encourage you to adopt low-risk behaviors. Completing these courses will demonstrate to your insurer that you’re committed to improving your driving history.

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    Look for discounts

    Insurance companies often offer discounts to their policyholders. You should contact your provider to see if you qualify for discounts like driver’s education, bundling or anti-theft system installation.

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    Practice safe driving

    The best way to avoid high insurance costs is to practice safe driving and refrain from reckless behavior on the road. A clean driving history will help you get affordable rates.

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    Shop rates over time

    The rates you get from the insurer will generally change over time based on your driving history. You can obtain quotes periodically to see if the insurer offers you even more affordable rates.

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Non-standard auto insurance can help drivers with poor driving records get the insurance coverage they need. However, you must prepare to pay higher rates for non-standard auto policies.

Frequently Asked Questions About SR-22 Insurance in South Carolina

We answered the following commonly asked questions to help you determine which insurance companies are the most suitable for SR-22 car insurance in South Carolina.

What are the cheapest SR-22 car insurance options in South Carolina?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in South Carolina?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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