Cheapest SR-22 Car Insurance in South Carolina (2023)

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.

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

• American National P&C: $361 per year
• American Family: $440 per year

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.

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• Renewing a license that has been revoked or suspended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.

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

• Auto-Owners: $460 per year
• State Farm: $641 per year

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.

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.

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.

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

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.

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.

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.