SPARTANBURG SR22 INSURANCE
Spartanburg SR22 insurance refers to the type of insurance coverage known as SR22 insurance, which is commonly required for individuals who have been convicted of certain driving offenses in Spartanburg, South Carolina, or the surrounding area. SR22 insurance is not a specific policy but rather a form that is filed by your insurance company with the Department of Motor Vehicles (DMV) to prove that you have the required minimum liability coverage.
What is an SR22?
The SR22 form serves as a proof of financial responsibility, indicating that you meet the state’s minimum insurance requirements. It is typically required for individuals who have been convicted of offenses such as driving under the influence (DUI), driving without insurance, or driving with a suspended license. The SR22 form is often required before the reinstatement of driving privileges or the issuance of a new driver’s license.
How to get an SR22?
To find SR22 insurance providers in Spartanburg, you can search online or contact local insurance agencies and inquire about their ability to offer SR22 coverage. Be prepared to provide relevant information regarding your driving history and any previous convictions. The insurance provider will then issue the SR22 form and submit it to the DMV on your behalf.
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 |
LIABILITY COST
| CARRIER | COST LOW END | COST HIGH END |
| Dairyland | $110.00 | $180.00 |
| Progressive Insurance | $90.00 | $145.00 |
| Bristol West | $110.00 | $180.00 |
| National General | $100.00 | $145.00 |
| The General | $110.00 | $180.00 |
| Mendota Ins. Company | $110.00 | $180.00 |
| Farmers | $110.00 | $180.00 |
| 21st Century | $110.00 | $180.00 |
| Geico | $90.00 | $145.00 |
| AssuranceAmerica | $70.00 | $120.00 |
| Allstate | $110.00 | $180.00 |
| USAA | $95.00 | $120.00 |
| Liberty Mutual | $85.00 | $115.00 |
| Nationwide | $110.00 | $200.00 |
| American Family | $90.00 | $110.00 |
| Acceptance RTR | $90.00 | $110.00 |
| Travelers | $105.00 | $160.00 |
| Safeco | $100.00 | $155.00 |
| GAINSCO | $90.00 | $115.00 |
| State Farm | $110.00 | $200.00 |
| State Auto | $110.00 | $200.00 |
HOW TO GET CHEAP SPARTANBURG SR22 INSURANCE
Getting cheap SR22 insurance in Spartanburg, or any other location, can be a challenge due to the high-risk nature of SR22 filings. However, here are some tips that may help you find more affordable SR22 insurance:
- Shop Around: Obtain quotes from multiple insurance companies that offer SR22 coverage in Spartanburg. Each company has its own underwriting criteria and pricing structure, so comparing rates can help you find a more affordable option.
- Maintain a Clean Driving Record: While this may not be immediately possible if you’ve already had driving offenses, maintaining a clean driving record going forward can help lower your insurance premiums over time.
- Consider Higher Deductibles: Opting for higher deductibles can lower your insurance premiums. However, keep in mind that you’ll need to pay more out of pocket in the event of a claim.
- Bundle Policies: If you have other insurance needs, such as renters or homeowners insurance, consider bundling them with your SR22 coverage. Insurance companies often offer discounts for bundling multiple policies.
- Improve Your Credit Score: In some states, including South Carolina, insurance companies may use credit scores as a factor in determining premiums. Improving your credit score by paying bills on time and reducing debt can potentially lead to lower insurance rates.
- Take a Defensive Driving Course: Completing a defensive driving course may qualify you for a discount on your insurance premiums. Check with insurance providers to see if they offer any discounts for defensive driving courses.
- Seek Out SR22 Specialists: Some insurance companies specialize in providing SR22 insurance, and they may have more competitive rates compared to traditional insurance providers. Look for insurers who have experience dealing with high-risk drivers and SR22 filings.
- Ask about Discounts: Inquire about any available discounts such as safe driver discounts, low mileage discounts, or discounts for anti-theft devices installed in your vehicle.
Remember that while finding cheap SR22 insurance is desirable, it’s crucial to ensure that the insurance policy meets the minimum liability coverage requirements set by the state of South Carolina.
Failure to maintain continuous SR22 coverage can result in the suspension of your driving privileges.
| Impact on rates | Discounts Available |
| High | Advanced Quote |
| Mild | Homeowners |
| Very High | Continuous Insurance |
| Mild | Education Discount |
| High | Paid in Full |
| Mild | Multi Policy |
| Mild | Married |
| Mild | Military |
| Mild | Paperless Discount |
WHY DO I NEED SPARTANBURG SR22 INSURANCE?
You may need Spartanburg SR22 insurance if you have been convicted of certain driving offenses or violations in South Carolina.
The SR22 filing requirement is a way for the state to ensure that individuals with a history of risky driving behavior maintain the minimum required liability insurance coverage.
Here are a few reasons why you might need SR22 insurance in Spartanburg:
- Driving Under the Influence (DUI): If you have been convicted of driving under the influence of alcohol or drugs, South Carolina law requires you to file an SR22 form as proof of financial responsibility. This applies to both DUI convictions involving alcohol and those involving drugs.
- Driving Without Insurance: If you have been caught driving without valid auto insurance in South Carolina, you may be required to file an SR22 form. This serves as proof that you now have the necessary insurance coverage to meet the state’s minimum requirements.
- Driving with a Suspended License: If your driver’s license has been suspended or revoked due to various reasons, such as excessive traffic violations, failure to pay fines, or accumulating too many points on your driving record, you may need to file an SR22 to have your driving privileges reinstated.
- Serious Traffic Offenses: South Carolina law may require you to file an SR22 if you have committed certain serious traffic offenses, such as reckless driving, hit-and-run accidents, or multiple at-fault accidents within a specific time frame.
The SR22 form is submitted by your insurance company to the South Carolina Department of Motor Vehicles (DMV) as proof of coverage.
The length of time you are required to maintain SR22 insurance varies depending on the offense and can range from a few years to longer periods.
It’s crucial to adhere to the SR22 filing requirements and maintain continuous coverage throughout the mandated period. Failure to do so may result in further penalties, including the suspension of your driving privileges.
If you are unsure whether you need SR22 insurance or have specific questions about your situation, it’s recommended to contact the South Carolina DMV or consult with a licensed insurance professional for accurate and up-to-date information.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to Yeld | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| DUI | Major | 10 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Crossing over a Center Divider | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
SOUTH CAROLINA STATE REQUIREMENTS FOR SPARTANBURG SR22 INSURANCE
In South Carolina, the state requirements for SR22 insurance in Spartanburg, or any other part of the state, are as follows:
- Minimum Liability Coverage: South Carolina requires drivers to have minimum liability coverage limits of 25/50/25. This means you must have at least:
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident (if multiple people are injured)
- $25,000 property damage liability coverage per accident
- SR22 Filing: If you have been convicted of certain offenses, such as DUI or driving without insurance, South Carolina requires you to file an SR22 form with the Department of Motor Vehicles (DMV). The SR22 filing is provided by your insurance company and serves as proof that you have the required minimum liability coverage.
- Continuous Coverage: It is essential to maintain continuous SR22 coverage for the mandated period determined by the court or the DMV. If there is a lapse in coverage or your policy is canceled, the insurance company is required to notify the DMV, which may result in the suspension of your driving privileges.
- Duration of SR22 Filing: The length of time you are required to maintain SR22 insurance in South Carolina varies depending on the offense and the decision of the court or the DMV. Typically, it ranges from three to five years, but it could be longer in certain circumstances.
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 |
