How to get an SR22 Insurance in South Carolina?
What is an SR22 Insurance and why do I need it?
An SR22 insurance is needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state.
SR22 is basically a certificate of financial responsibility, which is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.
Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the minimum liability coverage on the car insurance policy required by the specific state.
SR22 Insurance in South Carolina
If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Department of Motor Vehicles (DMV) in South Carolina will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.
The SR22 insurance in South Carolina certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses.
SR-22 requirements in South Carolina are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.
Who needs an SR22 Insurance in South Carolina?
In South Carolina, driver’s who’ve had their licenses suspended after being convicted of one or more of the below listed infractions need to file for an SR22 form –
- Driving without proper auto insurance.
- Driving on a suspended or revoked license.
- Driving while under the influence of alcohol and/or drugs.
What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 in South Carolina?
The state of South Carolina requires all drivers requiring an SR22 Insurance to have a basic minimum liability insurance coverage of –
- $25,000 bodily injury coverage per person injured in an accident
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
How do I file an SR22 Insurance form in South Carolina?
Your SR22 insurance in the state of South Carolina can be acquired from your auto insurance provider who will file your SR22 form with the Department of Motor Vehicles (DMV) for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles (DMV) once your SR22 insurance filing has been accepted.
SR22InsuranceNow can help you in getting the cheapest SR22 Insurance in the state of South Carolina. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure you get the cheapest SR22 insurance rates in South Carolina.
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How much does an SR22 Insurance cost in the state of South Carolina?
In South Carolina, your insurance provider will charge you a filing fee of $15 to $35 to file for an SR22 insurance. However the filing fee isn’t the most expensive part of the SR22 Insurance. Once you are asked to get an SR22 Insurance, you are termed as a “high-risk” driver by the state of South Carolina and most of the auto insurance providers, resulting in higher insurance premiums hitting your wallet hard.
The increase in premium amount you pay depends on the provider you choose, severity of your driving violation, age, and many other factors.
You can check the table below to get an estimate of how much does a SR22 insurance cost in South Carolina after being convicted of one of the below mentioned driving infractions-
|High Risk Rating Factor||Average Annual Rate||Increase vs. no violations|
At-fault collision with damage over $2,000
Speeding of 21-25 mph over the limit
How long do I need an SR22 in South Carolina?
In South Carolina, all drivers requiring an SR22 insurance must maintain it for a minimum of three years (36 months). Moreover, if you cancel/let your SR22 insurance policy lapse prematurely, your auto insurance provider will notify the DMV and your driving privileges will be suspended until you get your SR22 renewed.
Non-Owner SR22 Insurance In South Carolina
In South Carolina, non-owner SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in South Carolina depends on a few components including age, sexual orientation, location, conjugal status, driving record, and FICO score.
SR22InsuranceNow can help you in finding insurance companies in South Carolina that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.
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Frequently asked questions related to SR22 Insurance in South Carolina
1. Where can I get the cheapest SR22 in South Carolina?
SR22InsuranceNow can help you find the cheapest SR22 in South Carolina. Top cities covered are Charleston, Columbia, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Goose Creek, Hilton Head Island, Sumter, Florence, Spartanburg, Myrtle Beach, Greer, Aiken, Anderson, Mauldin, Socastee, Hanahan, Conway and more.
SR22InsuranceNow can help you in getting the cheapest SR22 in South Carolina by letting you compare SR22 car insurance quotes from various top providers (Geico, State Farm, Progressive, Allstate etc)
Call us now at 888-885-3948!
2. How to get cheapest SR22 Insurance without a car in South Carolina?
In South Carolina, if you don’t own a car, you have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.
SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 in South Carolina. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.
Give us a call at 888-885-3948 today!
3. Which companies offer cheap SR22 in South Carolina?
In South Carolina, top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer SR22 Insurance.
Call SR22InsuranceNow at 888-885-3948 to get a free S22 quote from top insurance providers (Geico, State Farm, Allstate, Progressive). Compare rates and save big.
4. Which companies offer cheap Non – Owner SR22 Insurance in South Carolina?
State Farm, Geico, Allstate Progressive and other top companies offer Non – Owner SR22 Insurance in South Carolina.
You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!