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SR22 Insurance in South Carolina

South Carolina SR-22 rates can vary, but if you have been required to obtain SR22 insurance, it is crucial that you do so immediately. SR22 can be required after a number of violations that result in a driver’s license suspension, so it is important to understand your SR 22 insurance probationary period in order to avoid suspensions and steep fines. While SR-22 rates are higher than standard auto insurance, you can still shop around and compare SR22 insurance quotes in order to find the best price. Get SR22 insurance quotes here.

Who needs SR22 insurance in South Carolina?

Before viewing the SR-22 rates available, you should first understand what SR22 insurance is and when it becomes required. While it is commonly referred to as SR22 insurance and is obtained through your auto insurance company, it is not an insurance policy. SR22 is essentially a financial responsibility form, or SR22 form, that proves that you are maintaining state minimum liability and uninsured motorist coverage.

When considering who needs SR22 insurance in SC, the simplest answer is anyone who has had their drivers license suspended due to a traffic violation. The most common SR22 insurance requirements come from serious violations and convictions such as driving under the influence or driving without proof of insurance. In general, until you can provide proof of an SR22 policy, your drivers license will not be reinstated. You can speed up this process and get SR22 insurance quotes here in order to get started.

Once you have been legally required to obtain SR22 insurance in South Carolina, you will be required to maintain an SR22 for a probationary period of three years that will either begin at the end of your drivers license suspension or at the start date that you began to comply with your suspension, on a case-by-case basis.

In addition to the SR22 form that the auto insurance company will file with each new premium after having received payment, the company will file an SR-26 form when your SR22 policy has ended. If this form is filed before your probationary period has ended, it will alert law enforcement, and you will face additional penalties.

How to Get SR22 Insurance in South Carolina

Though SR-22 rates in SC are generally more than standard auto insurance rates, you are still able to compare SR22 insurance quotes and shop around for the best rate.

In general, requiring SR22 insurance will result in you being classified as a “high risk driver”, likely raising your auto insurance premiums. Additionally, most of the time, you will be required to pay your entire auto insurance premium all at once instead of making monthly payments. This is due to the fact that an SR22 form will only be filed by the auto insurance agency when your premium has been paid for in full. In fact, if you fail to renew your South Carolina SR22 insurance policy at least 15 days before your current policies expiration date, the auto insurance agency will notify the state, and the state may issue further penalties. That is why it is recommended that you renew your SR22 at least 45 days in advance.

While more expensive, it is crucial that you maintain your SR22 policy as you may incur steep penalties if you fail to do so. Should your SC SR22 insurance policy be cancelled prior to the expected end date of your probationary period, your auto insurance company will notify South Carolina authorities of the cancellation. This can result in your drivers license being suspended a second time with a reinstatement fee that could potentially be as high as $400. Additionally, you will still be required to obtain SR22 insurance again, and could be faced with additional fines for the lapse in coverage.

Additionally, if you had obtained a provisional license, commonly sought after during a license suspension period, failing to maintain SR22 will mean the loss of your provisional license and you may not be able to apply for another one during your suspension period.

As outlined above, SR22 insurance quotes are still available and comparing these quotes can help save you money on SR-22 rates. If you have not already done so, you can get South Carolina SR22 insurance quotes here in order to get started on finding cheaper SR-22 rates in your area.