Getting behind the wheel in South Carolina requires valid car insurance, and in some cases, an SR22 certificate. If you’ve received a driving violation or owe financial responsibility related to an accident, the state may mandate you to carry SR22 insurance. Cheap Insurance will break down everything you need to know about SR22 insurance in South Carolina, including its cost, purpose, and how to potentially find affordable SR22 insurance quotes.
Key Takeaways:
- An SR22 filing is not a separate insurance policy; it’s a financial responsibility filing proving you meet minimum car insurance requirements in South Carolina.
- The cost of SR22 insurance varies depending on factors like driving record and chosen insurance company.
- The SR22 filing period typically lasts 3-7 years, determined by the SCDMV based on the violation.
- A lapse in SR22 insurance can lead to license suspension and higher insurance rates upon reinstatement.
- Comparing SR22 insurance quotes, maintaining a clean driving record, and exploring discounts can help you find affordable SR22 insurance.
What is SR22 Insurance and Why Do I Need It in South Carolina?
SR22 insurance isn’t a separate type of insurance policy; it’s a financial responsibility filing that your car insurance company submits to the South Carolina Department of Motor Vehicles (SCDMV) on your behalf. This filing proves you maintain the minimum liability car insurance in South Carolina.
Here are some common reasons why the SCDMV might require you to file an SR22:
DUI/DUI Convictions: Driving under the influence (DUI) or driving under the influence with a minor in the vehicle (DUI with a minor) will typically trigger an SR22 requirement.
Driving Without Insurance: Operating a vehicle without car insurance can lead to an SR22.
Multiple Traffic Violations: Accumulating a significant number of points on your license due to traffic violations may result in needing an SR22.
Accidents and Financial Responsibility: If you’re involved in an accident and fail to meet your financial obligations, the SCDMV might require an SR22 filing.
What Factors Affect the Cost of SR22 Insurance in South Carolina?
Several factors influence the cost of SR22 insurance in South Carolina. Here’s a breakdown of the key elements:
- Degree of Offense: The severity of the offense that led to the SR22 requirement significantly impacts your premium. DUI convictions typically result in the highest SR22 insurance rates.
- Driving History: Your overall driving record, including past accidents, speeding tickets and other traffic violations, plays a role in determining your SR22 insurance cost. A clean driving history can help you secure a more affordable car insurance rate.
- Insurance Company: Different insurance companies have varying risk assessment models and pricing structures for SR22 insurance. Comparing quotes from multiple providers is crucial to find the best car insurance deal.
- Coverage Level: While SR22 filing demonstrates minimum liability car insurance coverage, you can opt for more coverages.
How Much Does SR22 Insurance Typically Cost in South Carolina?
The cost of SR22 insurance in South Carolina varies depending on the factors mentioned above. However, we can provide some general estimates:
Minimum Coverage: On average, minimum liability insurance for SR22 insurance in South Carolina can range from $1,000 to $1,500 per year.
Full Coverage Car Insurance: If you choose full coverage insurance with collision and comprehensive options alongside liability, the annual cost can reach $2,000 or more.
While SR22 filing itself typically comes with a filing fee of $15-$50 charged by your car insurance company, it doesn’t directly increase your premium. The increase in cost comes from being classified as a high-risk driver due to the violation that triggered the SR22 requirement.
How Long Will I Need to Maintain SR22 Insurance in South Carolina?
The length of your SR22 requirement depends on the specific violation and the SCDMV’s determination. Generally, the filing period falls within the range of three to seven years.
Here are some resources to help you determine the exact duration of your SR22 requirement in South Carolina:
- South Carolina Department of Motor Vehicles (SCDMV)
- Contact your local SCDMV office
What Happens if My SR22 Insurance Lapses?
If your SR22 insurance lapses, the SCDMV will be notified. This can lead to the following issues:
License Suspension: The SCDMV might suspend your driver’s license, preventing you from legally operating a vehicle.
Reinstatement Fees: To regain your driving privileges after a suspension due to a lapsed SR22 insurance policy, you’ll likely face reinstatement fees.
Higher Insurance Rates: When you eventually obtain new SR22 coverage, your auto insurance company might charge a higher premium due to the lapse in coverage.
- Set Up Automatic Payments: Many insurance companies offer automatic payment options. Setting this up ensures your insurance is paid on time, preventing any lapse in coverage.
- Maintain Communication with Your Insurer: If you encounter any difficulties making a payment or have questions about your policy, communicate with your insurance company promptly. They might be able to offer flexible payment options or answer your concerns to avoid a lapse. They might have options for low income car insurance.
Can I Improve My Chances of Getting Affordable SR22 Insurance Quotes?
- Shop Around and Compare SR22 Car Insurance Quotes: As mentioned earlier, comparing insurance quotes from multiple insurance companies, including those specializing in non standard car insurance, is crucial. This allows you to find a provider that offers the cheapest SR22 insurance.
- Maintain a Clean Driving Record: While you might already have a violation on your record that triggered the SR22 requirement, avoiding further violations during the filing period can positively impact your future automobile insurance rates.
- Take Defensive Driving Courses: Some insurance companies offer discounts to policyholders who complete defensive driving courses. These courses can help you refresh your driving knowledge and potentially qualify for low cost car insurance.
- Increase Your Deductible: A deductible is the amount you pay out-of-pocket before your insurance coverage starts paying. Raising your deductible can lower your auto insurance. However, balance the savings with your ability to cover a higher deductible in case of an accident.
By following these tips and maintaining a responsible driving record, you can increase your chances of finding the most affordable SR22 insurance and get back on track to cheap car insurance.
An SR22 filing is a temporary requirement arising from a driving violation. By fulfilling the SR22 requirement, maintaining responsible driving habits, and shopping around for cheap SR22 insurance quotes in South Carolina, you can navigate this situation and secure inexpensive car insurance.
