SOUTH CAROLINA SR22 INSURANCE
SR22 insurance is a type of auto insurance filing that is required by some states, including South Carolina, for drivers who have been convicted of certain driving offenses, such as DUI/DWI, driving without insurance, or multiple traffic violations. It serves as proof of financial responsibility and is often necessary to reinstate a suspended or revoked driver’s license.
How to get South Carolina SR22
If you are required to obtain SR22 insurance, you will need to contact an insurance company and request an SR22 filing. The insurance company will then file the SR22 form with the South Carolina Department of Motor Vehicles (DMV) on your behalf.
How much and how long?
It’s important to note that SR22 insurance typically comes with higher premiums compared to standard auto insurance because it is considered high-risk coverage. The duration for which you will be required to maintain SR22 insurance depends on the nature of the offense and the decision made by the court or the DMV. It’s usually required for a minimum period of three years, but it can vary based on individual circumstances.
SOUTH CAROLINA SR22 INSURANCE COST
The cost of SR22 insurance in South Carolina can vary depending on several factors. These factors include your driving history, the reason for requiring SR22 insurance, your age, your location, the insurance company you choose, and the coverage limits you select.
| CARRIERS | LIABILITY RATE |
| Mendota Ins. Company | $96 |
| National General | $104 |
| The General | $104 |
| USAA | $104 |
| American Family | $110 |
| 21st Century | $112 |
| GAINSCO | $113 |
| Progressive Insurance | $113 |
| AssuranceAmerica | $118 |
| Travelers | $118 |
| Dairyland | $119 |
| Acceptance RTR | $122 |
| Bristol West | $133 |
| Nationwide | $144 |
| Geico | $145 |
Since SR22 insurance is considered high-risk coverage, it generally comes with higher premiums than standard auto insurance. On average, you can expect to pay significantly more for SR22 insurance than you would for regular auto insurance.
THE ABOVE RATES DO NOT INCLUDE THE FOLLOWING FILING FEE
| 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 |
To get an accurate idea of the cost of SR22 insurance in South Carolina, it’s best to reach out to insurance providers directly and request quotes.
Provide them with all the necessary information regarding your driving history and the reasons for needing SR22 insurance. They will assess your specific situation and provide you with an estimate based on their underwriting criteria.
| CARRIER SR22 | LOW END | HIGH END |
| Mendota Ins. Company | $110.00 | $180.00 |
| National General | $90.00 | $145.00 |
| The General | $110.00 | $180.00 |
| USAA | $100.00 | $145.00 |
| American Family | $110.00 | $180.00 |
| 21st Century | $110.00 | $180.00 |
| GAINSCO | $110.00 | $180.00 |
| Progressive Insurance | $110.00 | $180.00 |
| AssuranceAmerica | $90.00 | $145.00 |
| Travelers | $70.00 | $120.00 |
| Dairyland | $110.00 | $180.00 |
| Acceptance RTR | $95.00 | $120.00 |
| Bristol West | $85.00 | $115.00 |
| Nationwide | $110.00 | $200.00 |
| Geico | $90.00 | $110.00 |
| Safeco | $90.00 | $110.00 |
| Liberty Mutual | $105.00 | $160.00 |
| State Farm | $100.00 | $155.00 |
| Allstate | $90.00 | $115.00 |
| Farmers | $110.00 | $200.00 |
| State Auto | $110.00 | $200.00 |
State Requirements for South Carolina
- Liability Insurance: South Carolina requires all drivers to carry liability insurance to cover damages or injuries they may cause to others in an accident. The minimum liability coverage limits are commonly referred to as 25/50/25, which means:
- $25,000 bodily injury liability coverage per person$50,000 bodily injury liability coverage per accident$25,000 property damage liability coverage per accident
- Uninsured Motorist Coverage: South Carolina also requires uninsured motorist coverage (UM) as part of auto insurance policies. This coverage protects you if you’re involved in an accident with a driver who does not have insurance or in a hit-and-run situation. The minimum UM coverage limits are the same as the liability coverage limits (25/50/25).
- Underinsured Motorist Coverage: In addition to uninsured motorist coverage, South Carolina also requires underinsured motorist coverage (UIM). This coverage protects you if you’re involved in an accident with a driver who has insurance but their coverage limits are insufficient to fully cover your damages. The minimum UIM coverage limits are the same as the liability coverage limits (25/50/25).
SOUTH CAROLINA SR22 FULL COVERAGE
SR22 insurance is not a specific type of coverage, but rather a filing that is added to your existing auto insurance policy to demonstrate financial responsibility. Therefore, “full coverage” is not a term directly associated with SR22 insurance.
Full coverage typically refers to a combination of liability insurance, which covers damages you may cause to others, and comprehensive and collision coverage, which protect your own vehicle against damage or loss.
These coverages are optional in most states but may be required by a lender if you have a car loan or lease.
When you are required to obtain SR22 insurance in South Carolina, you will need to add the SR22 filing to your existing auto insurance policy. This means you can choose to have full coverage, which includes liability, comprehensive, and collision coverage, or you can opt for the minimum coverage required by the state.
The minimum auto insurance requirements in South Carolina are typically:
- Liability coverage: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. AND Uninsured Motorist Coverage Bodily Injury and Property Damage.
These are the minimum requirements, and it’s generally recommended to consider higher coverage limits to adequately protect yourself and your assets. Additionally, if you have a car loan or lease, your lender may have additional insurance requirements.
To determine the cost and coverage options for your specific situation, it’s best to contact insurance providers directly and discuss your needs, including the requirement for an SR22 filing. They will be able to provide you with accurate quotes and help you understand the available coverage options.
| CARRIER | NO SR22 | SR22 |
| National General | $145.00 | $180.00 |
| Progressive Insurance | $160.00 | $195.00 |
| Bristol West | $145.00 | $180.00 |
| Travelers | $145.00 | $180.00 |
| Liberty Mutual | $155.00 | $210.00 |
| Mendota Ins. Company | $145.00 | $180.00 |
| State Farm | $140.00 | $190.00 |
| 21st Century | $140.00 | $190.00 |
| American Family | $130.00 | $175.00 |
| Farmers | $175.00 | $215.00 |
| Acceptance RTR | $160.00 | $180.00 |
| The General | $150.00 | $185.00 |
| Nationwide | $135.00 | $160.00 |
| Geico | $140.00 | $170.00 |
| GAINSCO | $145.00 | $195.00 |
| Allstate | $120.00 | $160.00 |
| USAA | $150.00 | $185.00 |
| AssuranceAmerica | $145.00 | $185.00 |
| Dairyland | $145.00 | $185.00 |
| State Auto | $175.00 | $220.00 |
| Safeco | $175.00 | $220.00 |
SOUTH CAROLINA SR22 NON-OWNER
In South Carolina, SR22 non-owner insurance is available for individuals who do not own a vehicle but still require an SR22 filing. Non-owner SR22 insurance provides liability coverage for drivers who occasionally borrow or rent vehicles and need to meet the state’s SR22 filing requirements.
Non-owner SR22 insurance typically includes liability coverage, which pays for damages you may cause to others in an accident.
It does not provide coverage for the vehicle you are driving, as that responsibility falls on the vehicle owner’s insurance policy.
The cost of non-owner SR22 insurance in South Carolina can vary based on factors such as your driving history, the reason for requiring SR22 insurance, your age, and the insurance company you choose. Since SR22 insurance is considered high-risk coverage, you can generally expect higher premiums compared to standard auto insurance.
To obtain non-owner SR22 insurance in South Carolina, you can contact insurance providers that offer this type of coverage. They will assess your specific situation and provide you with a quote based on their underwriting criteria. It’s recommended to shop around and compare quotes from different insurance companies to find the most affordable option.
Remember, non-owner SR22 insurance is designed for individuals who do not own a vehicle. If you do own a vehicle, you will need to consider regular SR22 insurance with coverage for your owned vehicle.
| NON-OWNER CARRIERS | COST |
| Dairyland | $80 |
| Progressive Insurance | $110 |
| The General | $113 |
| Mendota Ins. Company | $145 |
| Bristol West | $148 |
| Geico | $173 |
| Acceptance RTR | $210 |
| State Farm | $211 |
| Allstate | $224 |
Reasons why you may need to carry South Carolina SR22 Insurance
There are several reasons why you may be required to carry SR22 insurance in South Carolina. These reasons typically involve serious driving offenses or violations that result in the suspension or revocation of your driver’s license.
Some common reasons include:
- DUI/DWI: If you have been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you will likely need to carry SR22 insurance to reinstate your license. This offense involves driving with a blood alcohol concentration (BAC) above the legal limit.
- Reckless driving: Reckless driving, which involves operating a vehicle with willful or wanton disregard for the safety of others, can result in the need for SR22 insurance.
- Driving without insurance: If you have been caught driving without valid auto insurance coverage, you may be required to carry SR22 insurance as a condition for license reinstatement.
- Excessive points on your driving record: Accumulating too many points on your driving record due to multiple traffic violations within a specific period can lead to license suspension and the need for SR22 insurance.
- Driving with a suspended or revoked license: If your license has already been suspended or revoked for any reason, you will likely need to carry SR22 insurance as part of the process to reinstate your driving privileges.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Failure to Yeld | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Reckless Driving | Major | 5 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Parking | Non Moving | NA* |
| Speeding | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| DUI | Major | 10 Years |
Which Carriers offer South Carolina SR22 Insurance?
| Company | SR22 Offered |
| Bristol West | yes |
| USAA | no |
| AssuranceAmerica | yes |
| GAINSCO | yes |
| Acceptance RTR | yes |
| State Auto | no |
| Travelers | no |
| 21st Century | no |
| Liberty Mutual | yes |
| Safeco | no |
| National General | yes |
| Geico | yes |
| Farmers | yes |
| Dairyland | yes |
| The General | yes |
| Mendota Ins. Company | yes |
| Progressive Insurance | Yes |
| Nationwide | no |
OTHER HELPFUL LINKS
| GREENVILLE SR22 | SIMPSONVILLE SR22 |
| FOUNTAIN INN SR22 | FIVE FORKS SR22 |
| PIEDMONT SR22 | EASLEY SR22 |
| SPARTANBURG SR22 | CHARLESTON SR22 |
| COLUMBIA SR22 | MOUNT PLEASANT |
| ROCKHILL SR22 | SUMMERVILLE SR22 |
SOUTH CAROLINA SR22 INSURANCE BY CITY
| Average Cost for sr22 Insurance Liability Only in South Carolina | |
| City | Price |
| Georgetown | $105.00 |
| Socastee | $100.00 |
| Lancaster | $91.00 |
| Lugoff | $105.00 |
| Dentsville | $96.00 |
| Tega Cay and Forest Acres | $106.00 |
| Mauldin | $96.00 |
| Ladson | $92.00 |
| Newberry | $94.00 |
| Red Hill | $101.00 |
| Berea | $103.00 |
| Seneca | $105.00 |
| Port Royal | $104.00 |
| Spartanburg | $100.00 |
| Conway | $108.00 |
| Greer | $108.00 |
| Welcome | $109.00 |
| Greenwood | $103.00 |
| Mount Pleasant | $101.00 |
| Gaffney | $89.00 |
| Fountain Inn | $106.00 |
| Little River | $86.00 |
| Red Bank | $110.00 |
| Bennettsville | $98.00 |
| Woodfield | $94.00 |
| Burton | $100.00 |
| Easley | $104.00 |
| Sangaree | $97.00 |
| Lexington | $86.00 |
| Moncks Corner | $104.00 |
| Myrtle Beach | $96.00 |
| Summerville | $106.00 |
| Rock Hill | $93.00 |
| Five Forks | $100.00 |
| Fort Mill | $103.00 |
| Boiling Springs | $94.00 |
| Simpsonville | $94.00 |
| Laurens | $88.00 |
| Murrells Inlet | $93.00 |
| Florence | $88.00 |
| Irmo | $89.00 |
| Charleston | $98.00 |
| North Myrtle Beach | $86.00 |
| James Island | $97.00 |
| Garden City | $86.00 |
| York | $104.00 |
| Bluffton | $88.00 |
| Sans Souci | $94.00 |
| Hanahan | $94.00 |
| Seven Oaks | $109.00 |
| Greenville | $91.00 |
| Beaufort | $102.00 |
| Orangeburg | $93.00 |
| Lake Wylie | $95.00 |
| Clinton | $103.00 |
| Hilton Head Island | $98.00 |
| Cayce | $97.00 |
| Union | $92.00 |
| Wade Hampton | $102.00 |
| Sumter | $106.00 |
| Parker | $108.00 |
| Oak Grove | $95.00 |
| Gantt | $93.00 |
| Columbia | $101.00 |
| Goose Creek | $100.00 |
| Anderson | $105.00 |
| North Charleston | $101.00 |
| St. Andrews | $104.00 |
| Aiken | $99.00 |
| Taylors | $92.00 |
| Clemson | $107.00 |
| Powdersville | $107.00 |
| West Columbia | $94.00 |