SIMPSONVILLE SR22 INSURANCE
Simpsonville SR22 insurance refers to obtaining an SR22 certificate of financial responsibility in Simpsonville, a city in South Carolina, United States. An SR22 is a form that is filed with the state’s Department of Motor Vehicles (DMV) to demonstrate that a driver has the necessary auto insurance coverage after being involved in certain driving violations or offenses.
Why do I need Simpsonville SR22 Insurance?
When a driver is required to obtain an SR22, it usually means they have been convicted of serious traffic violations such as DUI (Driving Under the Influence), DWI (Driving While Intoxicated), reckless driving, driving without insurance, or driving with a suspended or revoked license. The SR22 requirement is imposed by the DMV to ensure that high-risk drivers maintain continuous auto insurance coverage.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| At Fault Accident | Major | 5 Years |
| Speeding | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| Improper Lane use | Minor | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
| DUI | Major | 10 Years |
Where do I start?
Contact an insurance provider: Reach out to an insurance company that offers SR22 insurance in Simpsonville or the surrounding area. Not all insurance companies provide SR22 filings, so make sure to inquire specifically about SR22 insurance.
What do I need to get Simpsonville SR22 Insurance?
- Provide necessary information: You will need to provide personal information such as your full name, address, driver’s license number, and the reason for needing an SR22. The insurance company will use this information to generate the SR22 form.
- Purchase auto insurance: In most cases, you will need to purchase an auto insurance policy from the insurance company before they can file the SR22 on your behalf. The insurance requirements may vary depending on the specifics of your situation and any court orders you’ve received.
- Pay the fees: There will be fees associated with obtaining an SR22 certificate. These fees typically include the filing fee for the SR22 form and the cost of your insurance policy.
- SR22 filing: Once you’ve purchased the required auto insurance policy and paid the necessary fees, the insurance company will file the SR22 form with the South Carolina DMV on your behalf. This filing verifies that you meet the state’s minimum insurance requirements.
It’s important to note that the exact process and requirements for obtaining SR22 insurance can vary by state and by insurance company. Therefore, it’s best to contact an insurance provider directly to get accurate and up-to-date information specific to Simpsonville, South Carolina.
| Dairyland | $68 |
| The General | $81 |
| National General | $89 |
| Progressive Insurance | $100 |
| AssuranceAmerica | $104 |
| Mendota Ins. Company | $109 |
| State Auto | $113 |
| Travelers | $114 |
| Geico | $116 |
| State Farm | $118 |
| Acceptance RTR | $119 |
| Farmers | $127 |
| Bristol West | $131 |
| USAA | $131 |
| Liberty Mutual | $133 |
COMPANIES FEES FOR SIMPSONVILLE SR22 INSURANCE
| Company | Average (SR22 Fee) |
| Assurance America | $25 |
| Bristol West | $35 |
| Dairyland | Free |
| Gains Co | $25 |
| Mendota | $25 |
| Progressive | 5% (average) |
| State Farm | SR22 Not available |
| The General | $25 |
| Travelers | SR22 Not available |
How to get cheap Simpsonville SR22 Insurance?
When it comes to finding cheap Simpsonville SR22 insurance, there are a few strategies you can consider. While SR22 insurance typically comes with higher premiums due to the high-risk nature of the situation, you can still explore options to minimize the cost. Here are some tips:
- Shop around: Obtain quotes from multiple insurance companies that offer SR22 filings in Simpsonville. Each insurer may have different rates and discounts, so comparing prices can help you find the most affordable option.
- Maintain a clean driving record: Moving forward, focus on maintaining a clean driving record. Avoid any further traffic violations or accidents as they can result in higher insurance premiums. Over time, your insurance rates may decrease as the violations on your record become older.
- Consider a high deductible: Opting for a higher deductible can lower your insurance premiums. A deductible is the amount you are responsible for paying out of pocket before your insurance coverage kicks in. However, keep in mind that you will need to have the deductible amount available if you need to make a claim.
- Evaluate coverage options: Review the coverage options offered by different insurance companies. While you want to meet the minimum insurance requirements mandated by the SR22, you may have flexibility in choosing additional coverage. Adjusting your coverage levels and options can help you find a balance between adequate protection and affordability.
- Take defensive driving courses: Some insurance companies offer discounts to drivers who have completed defensive driving courses. Check if completing such a course can help lower your insurance premiums.
- Bundle policies: If you have other insurance needs, such as renter’s insurance or homeowner’s insurance, consider bundling these policies with your auto insurance. Insurance companies often offer discounts for bundling multiple policies.
- Improve your credit score: In some states, including South Carolina, insurance companies may consider your credit score when determining premiums. Maintaining a good credit score can help lower your insurance costs.
- Maintain continuous coverage: Ensure that you maintain continuous auto insurance coverage without any lapses. Letting your insurance coverage expire can lead to higher premiums when you need to reinstate your policy.
Remember to discuss these options with insurance providers directly to determine how they can impact your SR22 insurance premiums. Keep in mind that the cheapest option may not always be the best, so consider the coverage and reliability of the insurance company as well.
| Impact on rates | Discounts Available |
| Mild | Married |
| High | Advanced Quote |
| High | No Accidents or Violations |
| Mild | Multi Policy |
| Mild | Military |
| Mild | Multi Vehicle |
| Mild | Paperless Discount |
| Mild | Homeowners |
| High | Auto Pay |
What is the State Requirements for South Carolina?
The state requirements for auto insurance in South Carolina are as follows:
- Liability insurance: South Carolina law mandates that all drivers carry a minimum amount of liability insurance coverage. The minimum liability coverage limits in South Carolina are:
- $25,000 for bodily injury or death per person $50,000 for bodily injury or death per accident $25,000 for property damage per accident
- Uninsured motorist coverage: South Carolina also requires drivers to carry uninsured motorist coverage. This coverage helps protect you if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.The minimum uninsured motorist coverage limits in South Carolina are the same as the liability coverage limits mentioned above:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- Proof of insurance: South Carolina drivers are required to carry proof of insurance at all times while operating a vehicle. This proof of insurance can be in the form of an insurance card or policy documentation provided by your insurance company. You may be required to present this proof of insurance during traffic stops or in the event of an accident.
- Electronic insurance verification: South Carolina has implemented an electronic insurance verification system known as “evidence of insurance.” This system allows law enforcement officers and other authorized entities to electronically verify whether a vehicle has valid insurance coverage.
The specific requirements and coverage options may vary based on your individual circumstances, driving history, and insurance provider. It’s recommended to consult with an insurance professional or the South Carolina Department of Insurance for more precise and up-to-date information.
So when looking for Simpsonville SR22 Insurance you must at least have the State Minimum coverage for SC.
| South Carolina | 25/50/25 | Uninsured BD and PD |
NON-OWNERS SIMPSONVILLE SR22 INSURANCE
If you need an SR-22 in Simpsonville, SC, but do not own a vehicle, you can still obtain a non-owner SR-22 policy. Non-owner SR-22 insurance is designed for individuals who don’t own a car but still need to meet the state’s SR-22 requirements. It provides liability coverage when you drive a vehicle that you do not own.
To find non-owner SR-22 insurance in Simpsonville, SC, you can follow these steps:
- Give us a call and we will quote you for a Non-owners Broadform.
- Provide us with the necessary information, such as your driver’s license number and details of any violations or suspensions.
- Compare quotes: Request quotes from multiple insurance providers to compare prices and coverage options. This will help you find the most affordable and suitable policy for your needs.
- Complete the application process: Once you have chosen an insurance provider, you will need to complete the application process. This may involve providing additional information and payment for the policy.
Remember, it is essential to ensure that the insurance policy meets the minimum liability coverage requirements set by the state of South Carolina for an SR-22 filing.
By following these steps and working with insurance providers who specialize in non-owner SR-22 insurance, you should be able to obtain the required coverage even if you don’t own a vehicle in Simpsonville, SC.
| Dairyland | $100 |
| Progressive Insurance | $104 |
| The General | $116 |
| Bristol West | $145 |
| Mendota Ins. Company | $147 |
| Geico | $166 |
| Acceptance RTR | $208 |
| State Farm | $223 |
| Allstate | $232 |
OTHER HELPFUL LINKS
| GREENVILLE SR22 | SIMPSONVILLE SR22 |
| FOUNTAIN INN SRR | FIVE FORKS SR22 |
| PIEDMONT SR22 | EASLEY SR22 |
| SPARTANBURG SR22 | CHARLESTON SR22 |
| COLUMBIA SR22 | MOUNT PLEASANT |
| ROCKHILL SR22 | SUMMERVILLE SR22 |
