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

An SR-22 is a form that proves you carry the minimum liability coverage required in South Carolina after certain moving violations. It's filed by either you or your insurance company. While the SR-22 itself doesn't affect your rates, the violations necessitating it can lead to higher premiums.

For drivers needing SR-22, the two most affordable companies are American National P&C with an annual rate of $431, and American Family at $530 per year. These rates reflect the cost of state minimum coverage for those with a DUI on their record.

As for non-owner car insurance, the cheapest options for those requiring an SR-22 are Auto-Owners Insurance Co at $460 annually and State Farm with a yearly rate of $641. These rates offer a financially sensible choice for residents who need to file an SR-22 but don't own a vehicle.

The cheapest companies for state minimum coverage SR-22 car insurance in South Carolina are:

• American National P&C: $36 per month, $431 per year
• American Family: $44 per month, $530 per year

The least expensive providers for full coverage car insurance SR-22 insurance in South Carolina are:

• American National P&C: $63 per month, $756 per year
• South Carolina Farm Bureau: $87 per month, $1,047 per year

After a moving violation, your car insurance rates typically rise becasue insurers view you as a high-risk driver. Nevertheless, affordable cheap SR-22 car insurance is available by comparing quotes from various providers.

Finding the most affordable SR-22 insurance is important in South Carolina. It can ease the financial burden after a violation and ensure you comply with state requirements.

The companies with the cheapest non-owner SR-22 insurance in South Carolina are:

• Auto-Owners: $38 per month, $460 per year
• State Farm: $53 per month, $641 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often necessary after a license suspension, revocation or serious traffic violation. For non-owner drivers, finding the most affordable insurance provider is crucial to managing costs while meeting legal obligations.

An SR-22 is not insurance but a form that proves you carry the state minimum coverage. Either you or your insurer must file it after certain violations like DUI, driving without insurance or repeat traffic offenses. You'll need this form for three years in South Carolina, and if it's canceled or lapsed, your insurer must tell the South Carolina Department of Public Safety. It's a way to keep you on track with your driving responsibilities.

An SR-22 certificate verifies that you carry the minimum car insurance requirements in South Carolina:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

If you don't own a car, you'll need SR-22 non-owner car insurance. Having an insurance card is not the same as having an SR-22.

Drivers in South Carolina may need to file an SR-22 through their insurance company after certain moving violations. This filing is a certificate of insurance proving you carry the state minimum coverage. It's required to keep your driver's license if you've committed a DUI, driven without insurance or made serious traffic offenses.

The SR-22 is typically necessary for three years. Below, you'll find a list of convictions that mandate an SR-22 filing in South Carolina.

Filing an SR-22 in South Carolina can lead to higher rates and fewer choices for minimum coverage. It might also cause insurers to say no to your coverage or to cancel your policy mid-term. It's important to keep your insurance going without a break. If not, you may have to start your SR-22 requirement, which usually lasts for three years.

Below is the list of how an SR-22 negatively impacts your car insurance:

For drivers with a DUI in South Carolina, the average annual cost for full coverage car insurance is $2,381. Minimum coverage costs about $1,253 annually. By comparison, drivers with a clean record pay $1,720 for full coverage and $871 for minimum coverage.

The severity of your offense significantly affects your premiums. It's not the SR-22 certificate itself that raises rates, but the violations associated with it. If you have severe or repeated violations, your insurer might not renew your policy or could increase your rates at renewal.

Filing an SR-22 in South Carolina is mandatory after certain violations, such as DUI or driving without minimum coverage. Non-compliance can lead to severe legal consequences. Ensure you maintain the required 25/50/25 liability coverage for three years. Here are the steps to secure an SR-22 in South Carolina:

If you don't keep your SR-22 in South Carolina, your license will be suspended again. You need this form for three years with minimum coverage auto insurance. To get your license back, there's a fee for a new SR-22.

A DUI on your record can increase your car insurance premiums, but affordable options are still available. For instance, a driver aged 30 to 59 might pay around $849 per year for state minimum coverage with a clean record, compared to $1,228 after a DUI. That's a difference of $379 annually. South Carolina residents needing an SR-22 can find the cheapest rates by comparing insurers, ensuring they meet the minimum liability coverage required. Car insurance after a DUI doesn't have to break the bank if you shop wisely.

Finding affordable SR-22 insurance in South Carolina can be a challenge. Get answers to common questions about securing the cheapest options available.