South Carolina SR22 INSURANCE
SOUTH CAROLINA SR22 INSURANCE
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.
- How to get SR-22 insurance in South Carolina
- Cost of SR-22 insurance
- When is an SR-22 is required in South Carolina
- Nonowner SR-22 insurance
How to get SR-22 insurance in South Carolina
- Find an insurer. Ask your insurer if it issues SR-22s in the state of South Carolina. If it doesn’t, you’ll need to find a car insurance company that does.
- Pay the SR-22 fee. To finalize your SR-22, pay a fee to your insurer to process and file it on your behalf.
- Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
- $25,000 for injury or death to one person.
- $50,000 for injury or death to more than one person.
- $25,000 for damage to property.
These are the minimum coverage requirements for the state of South Carolina that you might see listed as 25/50/25 in insurance documents.
- Submit your SR-22. Your insurance agent will file your SR-22 with the South Carolina Department of Motor Vehicles.
- Wait for confirmation. You’ll receive a letter from your insurer and the South Carolina DMV that your SR-22 is accepted.
Remember: Find an eligible insurer or contact your current carrier. You aren’t allowed to file an SR-22 yourself so an auto insurance company licensed to do business in South Carolina needs to do it on your behalf. Even if you move out of the state, you’ll need to purchase coverage from an insurer that also writes policies in South Carolina in order to maintain your SR-22 filing and driving privileges.
Cost of SR-22 insurance in South Carolina
SR-22 insurance in South Carolina is for high-risk or non-standard drivers. 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.
SR-22 insurance in South Carolina is for high-risk or non-standard drivers. 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.
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)
If you’re in need of inexpensive car insurance, SR-22 Insurance is ready to assist. Enter your location below to receive personalized car policy quotes from popular insurers. Get a fast and free South Carolina SR22 Insurance quote today!
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
When is an SR-22 is required in South Carolina
Violations that require SR-22 insurance differ across states. In South Carolina, you will almost surely need SR-22 coverage if you have any of the following on your record:
- DUI
- Reckless driving
- Driving without insurance
- Driving with a suspended license
With minor violations, there is generally no need for SR-22 coverage. South Carolina drivers looking for car insurance after an accident or a ticket won’t have to pay the same high costs that come with SR-22 coverage.
How long you need SR-22 insurance in South Carolina depends on the seriousness of your driving violation. In most cases, the duration is three years. For a revoked license, this period starts when the license is reinstated. The period could extend depending on the conviction or as a result of a lapse in coverage.
Non-owner SR-22 insurance in South Carolina
If you do not own a vehicle and recently incurred a serious driving violation, you might want to consider a non-owner SR-22 car insurance policy in South Carolina. This policy might be the most affordable option to improve your driving record and comply with state law. Non-owner car insurance is a good choice for those who do not own vehicles themselves but frequently rent or borrow vehicles. Non-owner car insurance policies generally cost less than those for car owners and can be a great way to save money.
Non owner SR22 insurance allows the named insured driver to drive any motor vehicle that they are given permission to drive. If you purchase a South Carolina non-owners SR22 insurance policy, make sure you do not drive any vehicle you have not been given express consent to drive and ensure that the vehicle in question is insured by the owner.
There are three types of certificates available in South Carolina:
SR22 Operators Certificate: This covers the driver for the operation of any non-owned vehicle they have been given permission to drive.
SR22 Owners Certificate: This covers the driver to drive any vehicles owned by the driver. The certificate may be issued with the details of the make and model of the driver’s automobile or it may cover any vehicle owned by the driver.
SR22 Operators-Owners Certificate: This covers any vehicles owned by the driver and any vehicles that are not owned but the driver has been given permission to drive.
