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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
2023

Cheapest Companies for SR-22 Car Insurance in South Carolina

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.

Company
Annual Premium
Monthly Premium

American National P&C

$251

$21

American National P&C

$283

$24

American National P&C

$285

$24

American National P&C

$321

$27

American National P&C

$321

$27

American National P&C

$361

$30

American National P&C

$365

$30

American National P&C

$365

$30

American National P&C

$369

$31

American National P&C

$369

$31

Auto-Owners Insurance Co

$396

$33

South Carolina Farm Bureau

$412

$34

American National P&C

$412

$34

Auto-Owners Insurance Co

$413

$34

American National P&C

$417

$35

American Family

$440

$37

Auto-Owners Insurance Co

$442

$37

South Carolina Farm Bureau

$454

$38

Auto-Owners Insurance Co

$460

$38

American National P&C

$463

$39

South Carolina Farm Bureau

$469

$39

American National P&C

$482

$40

State Farm

$493

$41

South Carolina Farm Bureau

$497

$41

Auto-Owners Insurance Co

$503

$42

American Family

$509

$42

American Family

$509

$42

GEICO

$513

$43

State Farm

$515

$43

South Carolina Farm Bureau

$519

$43

American Family

$523

$44

South Carolina Farm Bureau

$524

$44

GEICO

$533

$44

GEICO

$533

$44

American Family

$534

$44

State Farm

$547

$46

State Farm

$547

$46

American National P&C

$548

$46

South Carolina Farm Bureau

$551

$46

GEICO

$553

$46

American Family

$559

$47

American Family

$561

$47

Auto-Owners Insurance Co

$567

$47

Auto-Owners Insurance Co

$570

$48

State Farm

$573

$48

State Farm

$573

$48

Allstate

$577

$48

American National P&C

$581

$48

American National P&C

$581

$48

South Carolina Farm Bureau

$581

$48

Auto-Owners Insurance Co

$590

$49

South Carolina Farm Bureau

$593

$49

State Farm

$594

$50

State Farm

$608

$51

American National P&C

$614

$51

American National P&C

$614

$51

American Family

$628

$52

State Farm

$638

$53

American National P&C

$649

$54

State Farm

$664

$55

State Farm

$664

$55

Progressive

$673

$56

American Family

$674

$56

Allstate

$681

$57

South Carolina Farm Bureau

$682

$57

American Family

$688

$57

American National P&C

$689

$57

Allstate

$692

$58

Travelers

$693

$58

American National P&C

$701

$58

American National P&C

$701

$58

South Carolina Farm Bureau

$726

$60

Progressive

$728

$61

Auto-Owners Insurance Co

$733

$61

GEICO

$736

$61

GEICO

$736

$61

State Farm

$742

$62

Travelers

$762

$63

American Family

$766

$64

South Carolina Farm Bureau

$768

$64

American Family

$774

$64

South Carolina Farm Bureau

$781

$65

GEICO

$783

$65

American National P&C

$788

$66

Travelers

$793

$66

GEICO

$803

$67

Allstate

$832

$69

Auto-Owners Insurance Co

$842

$70

Auto-Owners Insurance Co

$842

$70

South Carolina Farm Bureau

$857

$71

Progressive

$860

$72

South Carolina Farm Bureau

$875

$73

Auto-Owners Insurance Co

$905

$75

Allstate

$905

$75

South Carolina Farm Bureau

$913

$76

Travelers

$914

$76

Auto-Owners Insurance Co

$924

$77

Auto-Owners Insurance Co

$924

$77

Progressive

$927

$77

Auto-Owners Insurance Co

$928

$77

Allstate

$941

$78

Travelers

$942

$79

Travelers

$952

$79

Allstate

$956

$80

South Carolina Farm Bureau

$963

$80

American Family

$964

$80

State Farm

$970

$81

Progressive

$972

$81

Progressive

$976

$81

South Carolina Farm Bureau

$979

$82

Travelers

$984

$82

GEICO

$986

$82

Travelers

$1,010

$84

Progressive

$1,010

$84

GEICO

$1,016

$85

Allstate

$1,026

$86

American Family

$1,028

$86

South Carolina Farm Bureau

$1,030

$86

Allstate

$1,039

$87

State Farm

$1,043

$87

GEICO

$1,046

$87

GEICO

$1,046

$87

Travelers

$1,047

$87

Travelers

$1,059

$88

Progressive

$1,062

$88

State Farm

$1,063

$89

State Farm

$1,063

$89

Allstate

$1,076

$90

Travelers

$1,083

$90

Auto-Owners Insurance Co

$1,086

$91

GEICO

$1,091

$91

American Family

$1,106

$92

South Carolina Farm Bureau

$1,106

$92

Progressive

$1,107

$92

South Carolina Farm Bureau

$1,110

$92

American Family

$1,124

$94

Allstate

$1,141

$95

State Farm

$1,142

$95

State Farm

$1,142

$95

American Family

$1,155

$96

American Family

$1,160

$97

Travelers

$1,163

$97

Travelers

$1,165

$97

State Farm

$1,168

$97

Auto-Owners Insurance Co

$1,184

$99

Auto-Owners Insurance Co

$1,185

$99

Auto-Owners Insurance Co

$1,191

$99

Auto-Owners Insurance Co

$1,203

$100

Allstate

$1,220

$102

Allstate

$1,221

$102

South Carolina Farm Bureau

$1,231

$103

Allstate

$1,240

$103

State Farm

$1,240

$103

Travelers

$1,241

$103

Progressive

$1,246

$104

American Family

$1,253

$104

State Farm

$1,254

$105

Allstate

$1,274

$106

GEICO

$1,312

$109

South Carolina Farm Bureau

$1,323

$110

GEICO

$1,331

$111

Progressive

$1,346

$112

State Farm

$1,366

$114

State Farm

$1,366

$114

Progressive

$1,374

$115

American Family

$1,380

$115

Travelers

$1,397

$116

American Family

$1,397

$116

Progressive

$1,401

$117

GEICO

$1,413

$118

GEICO

$1,413

$118

Bristol West

$1,418

$118

South Carolina Farm Bureau

$1,423

$119

American Family

$1,443

$120

Bristol West

$1,486

$124

Allstate

$1,509

$126

State Farm

$1,510

$126

GEICO

$1,513

$126

Progressive

$1,529

$127

GEICO

$1,543

$129

Auto-Owners Insurance Co

$1,556

$130

GEICO

$1,588

$132

Allstate

$1,607

$134

Travelers

$1,614

$134

Allstate

$1,639

$137

American Family

$1,662

$138

Travelers

$1,674

$140

Allstate

$1,700

$142

Travelers

$1,705

$142

Travelers

$1,716

$143

American Family

$1,737

$145

Allstate

$1,749

$146

Travelers

$1,774

$148

Travelers

$1,781

$148

Auto-Owners Insurance Co

$1,782

$148

Auto-Owners Insurance Co

$1,785

$149

Allstate

$1,816

$151

Travelers

$1,844

$154

Progressive

$1,849

$154

Bristol West

$1,886

$157

Bristol West

$1,891

$158

Allstate

$1,904

$159

GEICO

$1,909

$159

Travelers

$1,958

$163

Travelers

$1,963

$164

Bristol West

$1,969

$164

Progressive

$1,969

$164

Progressive

$1,977

$165

Bristol West

$1,978

$165

Bristol West

$1,980

$165

Progressive

$2,011

$168

Progressive

$2,029

$169

Allstate

$2,085

$174

Dairyland

$2,095

$175

Bristol West

$2,152

$179

Allstate

$2,156

$180

Dairyland

$2,235

$186

Progressive

$2,305

$192

Bristol West

$2,329

$194

Progressive

$2,359

$197

Auto-Owners Insurance Co

$2,408

$201

Bristol West

$2,461

$205

Bristol West

$2,537

$211

GEICO

$2,593

$216

Bristol West

$2,631

$219

Progressive

$2,637

$220

GEICO

$2,638

$220

Dairyland

$2,682

$223

Bristol West

$2,734

$228

Progressive

$2,748

$229

Dairyland

$2,785

$232

Bristol West

$2,817

$235

GEICO

$2,960

$247

Progressive

$3,037

$253

Dairyland

$3,105

$259

Dairyland

$3,228

$269

Dairyland

$3,270

$273

Dairyland

$3,325

$277

Dairyland

$3,422

$285

Bristol West

$3,441

$287

Bristol West

$3,533

$294

Dairyland

$3,551

$296

Bristol West

$3,611

$301

Dairyland

$3,626

$302

Bristol West

$3,639

$303

Bristol West

$3,670

$306

Dairyland

$3,683

$307

Dairyland

$3,944

$329

Bristol West

$3,957

$330

Bristol West

$4,110

$342

Dairyland

$4,201

$350

Bristol West

$4,481

$373

Bristol West

$4,617

$385

Dairyland

$4,797

$400

Dairyland

$4,924

$410

Bristol West

$4,934

$411

Dairyland

$5,565

$464

Dairyland

$5,605

$467

Dairyland

$5,822

$485

Dairyland

$5,957

$496

Dairyland

$6,121

$510

Dairyland

$6,124

$510

Dairyland

$6,311

$526

Dairyland

$6,904

$575

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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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$319

$27

Auto-Owners Insurance Co

$460

$38

GEICO

$489

$41

State Farm

$563

$47

State Farm

$641

$53

GEICO

$678

$57

Progressive

$739

$62

Travelers

$746

$62

Travelers

$944

$79

Progressive

$1,242

$104

Bristol West

$1,455

$121

Bristol West

$2,140

$178

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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.

Driving Record
Annual Premium
Monthly Premium

DUI

$2,022

$169

At-Fault Accident

$2,155

$180

Clean

$1,303

$109

At-Fault Accident

$2,174

$181

At-Fault Accident

$2,435

$203

Clean

$679

$57

Ticket

$2,182

$182

At-Fault Accident

$1,284

$107

Ticket

$1,907

$159

Ticket

$1,863

$155

Ticket

$1,019

$85

At-Fault Accident

$1,164

$97

DUI

$1,104

$92

Ticket

$1,023

$85

Clean

$1,588

$132

Clean

$665

$55

DUI

$1,099

$92

At-Fault Accident

$1,188

$99

DUI

$2,425

$202

DUI

$1,277

$106

Ticket

$1,145

$95

Clean

$1,223

$102

Clean

$838

$70

DUI

$2,066

$172

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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.

  • find icon

    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.

  • car icon

    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.

  • seatbelt icon

    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.

  • calendar icon

    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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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