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South Carolina SR22 Insurance Cost

South Carolina SR22 Insurance Cost

Learn more about factors that affect the cost of SR22 insurance in South Carolina. Call with questions or start a quote today.

South Carolina SR22 Insurance Cost

Last updated on September 27th, 2018 by

South Carolina SR22 insurance cost is a concern when you need to carry high risk insurance after a license suspension. The factors considered in determining your SR22 cost are similar, regardless of the insurance company you choose to file your SR22 certificate. These determining factors vary from person to person.

One of the most common questions people ask us about license reinstatement is, “What is South Carolina SR22 insurance cost per month?” The cost can be anywhere between $60 to several hundred dollars per month. Your cost will be lower for a non owner SR22 insurance policy, and higher if you own a vehicle or want full coverage insurance. If your suspension is for a DUI offense, you will pay much higher premiums for South Carolina SR22 insurance.

The following factors affect your South Carolina SR22 insurance cost:

  • Whether or not you own a vehicle
  • The type of vehicle you own
  • Whether you need liability or full coverage insurance
  • The amount of miles driven in a year
  • Your age
  • The number of traffic violations accumulated within the past 3 years (points)
  • The number of accidents on your driving record
  • If you currently carry insurance coverage
  • The limits of liability
  • The amount of coverage you want
  • How long you’ve had insurance coverage without a lapse for the past year or more
  • Whether you own a home
  • Your credit history

These factors play a major role in any person’s South Carolina insurance cost, regardless of the insurance company. Let’s explore each factor in detail:

  • For example, when you accumulate too many points on your South Carolina driving record, your driver’s license will be suspended as a result, and you will be required to carry an SR22 in order to reinstate your driver’s license for a period of 3 years.
  • The type or severity of violations also will impact the rate – such as getting a speeding ticket vs getting a DUI, DWI or driving after revocation. Being cited for the same offense multiple times, like having several speeding tickets or driving after suspension tickets, will also have a greater negative impact on your SR22 insurance rate. Another big factor is if the driver has been involved in several accidents in a short period of time.
  • The next factor is your age. A teenager will pay a much higher premium, and will have an exponential effect on the insurance rate because of inexperience and higher risk.
  • South Carolina SR22 insurance cost will also will significantly increase you own a car that needs to be insured. The vehicle make and model, price and age will impact the rate, and whether you want full coverage or just liability insurance. You can save on your insurance premium by having insurance coverage with any lapse of coverage of coverage.

There are ways to get cheap affordable SR22 insurance before you need it, and steps you can take to get lower insurance rates after your SR22 requirement is completed.

South Carolina state minimum coverage requirements:

Bodily Injury & Property Damage: 25/50/25

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 Property Damage

Uninsured/Underinsured Motorist: 25/50

  • $25,000 per person
  • $50,000 per accident
  • Uninsured Motorist Property Damage: $25,000
  • Under-insured Motorist Bodily Injury: Optional
  • Under-insured Motorist Property Damage: Optional
  • Medical Payments: Optional

South Carolina Non Owner Insurance

Another common question we’re asked is, “I don’t own a car, but need an SR22 insurance filing.” When you don’t own a vehicle, you’ll obtain South Carolina non owners SR22 insurance.

South Carolina DMV

To learn more about reinstating a suspended driver’s license, visit the South Carolina DMV website.

Whether you need owner or non-owner SR22 insurance, UltraCar Insurance can file your certificate in under 10 minutes, so your license can be reinstated the same day. Call today if you have questions about South Carolina SR22 insurance cost, and click above for a quick South Carolina SR22 insurance quote!

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