SR-22 insurance in South Carolina: Quotes, rankings and information

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#1
/25
USAA
4.73 ★★★★★
4.73 ★★★★★
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#2
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AAA
4.13 ★★★★★
4.13 ★★★★★
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#3
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GEICO
4.11 ★★★★★
4.11 ★★★★★
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#4
/25
4.10 ★★★★★
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#5
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4.08 ★★★★★
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#6
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4.07 ★★★★★
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#7
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4.06 ★★★★★
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#8
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#9
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Allstate
4.01 ★★★★★
4.01 ★★★★★
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#10
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Esurance, Inc.
4.00 ★★★★★
4.00 ★★★★★
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#11
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4.00 ★★★★★
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#12
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3.96 ★★★★★
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#13
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3.84 ★★★★★
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#14
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Dairyland
3.84 ★★★★★
3.84 ★★★★★
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#15
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3.80 ★★★★★
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#16
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3.57 ★★★★★
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#17
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3.54 ★★★★★
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#18
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3.53 ★★★★★
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#19
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3.33 ★★★★★
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#20
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3.33 ★★★★★
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#21
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2.79 ★★★★★
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#22
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2.78 ★★★★★
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#23
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2.76 ★★★★★
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#24
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Good2Go
2.65 ★★★★★
2.65 ★★★★★
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#25
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2.59 ★★★★★
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South Carolina SR-22 requirements

If you reside in South Carolina and have been convicted of a serious driving violation, such as a DUI or have had your license suspended, you are most likely required by the state to file an SR-22 form. An SR-22 insurance policy is documented proof to the state of South Carolina that you have at least the minimum coverage for car insurance required in SC.

If you need an SR-22 in South Carolina, you may have heard the term SR-22 insurance. An SR-22 is not actually a different type of insurance from standard car insurance, but it’s a form that tells the state of South Carolina that you have an active auto insurance policy with at least the required coverage limits. It’s often called SR22 insurance because the SR22 form affects the cost of your car insurance. On average, SR22 insurance in South Carolina after a DUI costs 61 percent more than standard car insurance.

In South Carolina, you are generally required to have SR-22 insurance for a minimum of three years, but your filing period may vary depending on your violation. You must maintain your SR22 insurance policy for the entire duration of your filing period. If your policy lapses, your car insurance company will need to notify the state that you no longer have an active SR22 insurance policy with the company. This may result in additional license suspensions and other penalties. As long as you pay on time and keep a clean driving record, you’ll no longer need SR-22 insurance once your required time is up.

Once you no longer need SR-22 insurance after you’ve completed your filing period, your car insurance rates will most likely decrease, depending on the severity of your conviction. If your SR-22 insurance is canceled or another offense occurred during your filing period, you may have to begin the process all over again.

SR-22 limits in South Carolina

Your SR22 policy must still meet South Carolina liability insurance requirements. You must have at least the following coverage:

  • Liability:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $25,000 in property damage per accident
  • Uninsured motorist:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $25,000 in property damage per accident

If you fail to file an SR-22 form in South Carolina, your vehicle registration may be suspended and you’ll be unable to register a new vehicle.

Who needs SR22 in South Carolina?

In South Carolina, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You may need to file for SR22 insurance because of the following reasons:

  • Conviction for driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

South Carolina SR-22 insurance rates

SR-22 insurance in South Carolina is for high-risk or non-standard driver. Since you are considered a high-risk driver, your insurer charges you high premiums. However, the rates for SR-22 insurance are not the same across all insurance companies. You can shop around for the best policies before you sign up for one. There are many other factors that go into the cost of South Carolina SR-22 insurance, such as your age, gender, location, credit score, vehicle type, marital status and so on.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, car insurance with a DUI conviction in South Carolina costs $1,895 per year. That’s 61 percent higher than car insurance with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for South Carolina drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Progressive $1,354
Auto-Owners $1,396
Travelers $1,519
Geico $1,835
State Farm $1,838
Nationwide $1,938
Allstate $2,226
USAA* $2,287
Farmers $2,311

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Alabama will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in South Carolina

To obtain SR22 insurance in South Carolina, you’ll need to contact your car insurance company. An SR-22 can only be obtained through an insurance carrier; you can’t file it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22, your company can file the form with your state and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 insurance coverage.

Even if your company does offer SR22 insurance, it may be a good idea for you to shop around for a new policy. In South Carolina, adding SR-22 insurance can significantly affect your rates, so you may want to see if a different company can offer you a better policy.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in South Carolina with at least 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in South Carolina, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews. SR-22 insurance fees in South Carolina

In addition to higher car insurance rates, you may be required to pay a fee to your insurance company. The filing of the SR-22 form is done by your insurer, but to do this, they may charge you a fee ranging from $20 to $50, depending on the company.

You may also have additional fees that you’re required to pay depending on the violation you’ve committed. If your license was suspended or revoked, you’ll need to pay a reinstatement fee before you can get it back and begin driving. If you committed a DUI, you should expect many fees depending on the severity of your conviction and if you’ve previously been convicted.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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