Cheapest SR-22 Insurance in South Carolina for 2025 (Save With These 10 Companies)
State Farm, Geico, and The General have the cheapest SR-22 insurance in South Carolina, starting at $69 per month. State Farm provides the best rates for safe drivers, Geico offers discounts for multi-car policies, and The General specializes in high-risk drivers needing SR-22 insurance in SC.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 16, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 16, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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843 reviewsState Farm, Geico, and The General are the top providers of the cheapest SR-22 insurance in South Carolina, making them the best choices for high-risk drivers.
State Farm offers the lowest rates for safe drivers who need SR-22 coverage, while Geico provides multi-policy discounts that lower costs. Discover how SR-22 auto insurance can keep you on the road after a violation.
Our Top 10 Company Picks: Cheapest SR-22 Insurance in South Carolina
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $69 | A++ | Excellent Support | State Farm |
 | #2 | $80 | A++ | Competitive Discounts | Geico |
 | #3 | $81 | A | Affordable Rates | The General |
 | #4 | $102 | A+ | Flexible Options | Nationwide |
 | #5 | $108 | A+ | Low Mileage | Allstate |
 | #6 | $123 | A+ | Young Drivers | Progressive |
 | #7 | $182 | A | Reliable Service | American Family |
 | #8 | $198 | A+ | Customizable Coverage | Dairyland |
 | #9 | $233 | A | Strong Reputation | Liberty Mutual |
 | #10 | $254 | A | Customer Loyalty | Farmers |
The General specializes in flexible approvals for drivers with past violations. Comparing these top providers ensures you get SC’s most affordable SR-22 policy.
To find cheap SR-22 insurance in SC, just enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
- State Farm provides the best SR-22 rates for safe drivers in South Carolina
- The cheapest SR-22 insurance in South Carolina varies by driving record
- High-risk drivers can secure low-cost SR-22 coverage with flexible options
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#1 – State Farm: Top Overall Pick
Pros
- Good Rates: State Farm’s SR-22 insurance in South Carolina starts at $69 a month for minimum coverage.
- Reliable Claims Service: Drivers in SC report smooth claims processing. Read customer feedback in our State Farm auto insurance review.
- Student Discounts: Young drivers in South Carolina can save with good student discounts.
Cons
- Limited Policy Options: Fewer coverage customizations for SR-22 policies in SC.
- Premium Increases: South Carolina SR-22 auto insurance rates may increase more after an accident than with other companies.
#2 – Geico: Cheapest for Competitive Discounts
Pros
- Affordable Rates: Geico SR-22 insurance rates in South Carolina start at $80 a month for minimum coverage.
- Many Discounts: SC drivers can save up to 25% on SR-22 insurance with multi-policy and multi-vehicle discounts. Read our Geico auto insurance review for a full list of discounts.
- Trusted Company: Geico’s strong financial rating from A.M. Best ensures reliable claims coverage in South Carolina.
Cons
- Few Local Offices: Limited in-person offices in rural SC areas for SR-22 filing assistance.
- Lower Customer Satisfaction: Other cheap SR-22 car insurance companies have better customer service reviews in South Carolina.
#3 – The General: Best for Affordable Rates
Pros
- Lowest Monthly Rate: The General offers cheap SR-22 insurance in South Carolina, starting at $81 a month for minimum coverage.
- Fast SR-22 Filing: South Carolina drivers can get quick SR-22 filing with The General to avoid delays.
- No Upfront Payment: Drivers in SC can start their policy without paying upfront. Learn more in our review of The General.
Cons
- Limited Discounts: Fewer SR-22 insurance discount options compared to other SC companies.
- Higher Full Coverage Costs: Full coverage SR-22 auto insurance can be more expensive in South Carolina with The General.
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#4 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- SmartMiles Discounts: High-risk drivers in South Carolina who need to file for Nationwide SR-22 insurance can get cheaper rates with its SmartMiles pay-per-mile program.
- Discounts for Drivers: SC drivers can save on SR-22 auto insurance with anti-theft and multi-policy discounts.
- Trusted Brand: Nationwide is well-known for positive customer reviews in SC. See more in our Nationwide auto insurance review.
Cons
- Mileage Restrictions: Only those who drive less than 11,000 miles per year will benefit from cheap low-mileage rates on SR-22 insurance.
- Higher Risk Rates: South Carolina SR-22 insurance is more expensive with Nationwide than other companies.
#5 – Allstate: Cheapest for Reliable Service
Pros
- Reasonable Rates: Allstate SR-22 insurance quotes in South Carolina start at $108 a month for minimum coverage.
- Many Discounts: SC drivers can save on SR-22 coverage with multi-policy, good student, and safe driver discounts.
- Local Support: Allstate has many agents across South Carolina for personal help with SR-22 insurance filings. Get the details in our Allstate auto insurance review.
Cons
- Higher Upfront Costs: Some drivers in SC may face higher initial costs when filing SR-22 car insurance.
- Policy Complexity: Allstate SR-22 policies can be complicated to customize for SC drivers.
#6 – Progressive: Cheapest for Customizable Coverage
Pros
- Customizable Coverage: Progressive offers SR-22 insurance in South Carolina starting at $123 a month for minimum coverage.
- Good Discounts: SC drivers can save with multi-car, homeowner, and continuous coverage discounts.
- Easy Online Tools: Drivers in SC can manage policies through a simple mobile app or website. Check out our Progressive auto insurance review to learn more.
Cons
- Higher Renewal Rates: SR-22 auto insurance rates may rise after policy renewals in South Carolina.
- Accident Penalties: Drivers with accidents may face SR-22 insurance increases in SC.
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#7 – American Family: Cheapest for Young Drivers
Pros
- Strong Financial Stability: Backed by an A rating from A.M. Best, ensuring reliable claims processing for SR-22 insurance in SC holders.
- Teen Discount Opportunities: Young drivers who need SC SR-22 insurance will get discounts and resources from American Family.
- Good Customer Service: Many drivers in SC report positive service experiences. Discover important facts in our AmFam auto insurance review.
Cons
- Limited Local Offices: Fewer in-person agents to help South Carolina drivers with SR-22 insurance questions.
- Higher Full Coverage Costs: AmFam full coverage SR-22 insurance can be more expensive in South Carolina.
#8 – Dairyland: Cheapest for Flexible Options
Pros
- Quick SR-22 Filing: Dairyland immediately provides essential documentation, allowing those in need of SR-22 insurance in SC to be reinstated more quickly.
- Flexible Payments: South Carolina drivers can choose monthly SR-22 insurance payment plans.
- High-Risk Support: Drivers with past violations can still get coverage in SC. Browse non-standard policies in our Dairyland auto insurance review.
Cons
- Fewer Discounts: Dairyland SR-22 insurance discount options are limited for SC drivers.
- Higher Full Coverage Rates: Full coverage may cost more in South Carolina with Dairyland than other SR-22 car insurance companies.
#9 – Liberty Mutual: Best for Strong Reputation
Pros
- RightTrack Telematics Savings: Safe driving habits can lower SR-22 insurance in SC costs through Liberty Mutual’s behavior-based discount program.
- Multiple Discounts: Drivers can save on South Carolina SR-22 with early sign-up and multi-policy discounts.
- Trusted Brand: Liberty Mutual is well-known and respected in South Carolina. See what’s covered in our Liberty Mutual auto insurance review.
Cons
- Average Claims Service: Claims processing can be slower for SR-22 drivers in some parts of South Carolina
- Higher Young Driver Rates: Liberty Mutual SR-22 insurance rates may be higher for young drivers in South Carolina.
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#10 – Farmers: Cheapest for Loyal Customers
Pros
- Loyalty Rewards: SC drivers can save with loyalty and auto-renewal discounts. Read our Farmers auto insurance review for a list of discounts.
- Personalized Service: Farmers has local agents in South Carolina offering personal SR-22 insurance support.
- High Claims Satisfaction: South Carolina drivers rate Farmers above average for claims and SR-22 insurance customer satisfaction.
Cons
- Higher Initial Costs: First-time SR-22 policyholders may face higher upfront costs in South Carolina.
- Limited Online Services: The Farmers insurance website and mobile app are not as streamlined as Geico or Progressive.
South Carolina SR-22 Insurance Costs by Company
The table below compares SR-22 insurance costs in South Carolina by provider. State Farm offers the lowest rates at $69 monthly for minimum coverage, while Geico and The General provide competitive options.
South Carolina SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $108 | $185 |
| $182 | $219 |
| $198 | $416 |
| $254 | $390 |
| $80 | $130 |
| $233 | $361 |
| $102 | $174 |
| $123 | $191 |
| $69 | $118 |
| $81 | $151 |
Geico and The General also offer affordable options, with minimum coverage rates of $80 and $81 per month, respectively. These companies are good choices for drivers looking for low-cost insurance with reliable coverage.
SR-22 insurance is a certification that proves you meet your state's minimum car insurance requirements after a serious driving violation.Tim Bain Licensed Insurance Agent
Full coverage costs vary, with Dairyland charging the most at $416 a month. High-risk drivers can reduce costs by comparing multiple companies to find the best deal.
Comparing these providers can help drivers in South Carolina find the best SR-22 insurance that fits their budget while staying legally insured.
SR-22 Insurance Coverages in South Carolina
SR-22 auto insurance in South Carolina helps drivers meet legal insurance requirements after serious violations like DUIs or driving without insurance. It acts as proof that a driver has the required car insurance after serious driving violations
It includes liability coverage, which pays for injuries or damage caused to others in an accident where the driver is at fault. South Carolina minimum auto insurance requirements are $25,000 for injuries per person, $50,000 for injuries per accident, and $25,000 for property damage.
Drivers can also add extra coverage for more protection. Collision coverage pays for repairs to the driver’s car after an accident, while comprehensive coverage covers non-accident-related damage like theft, fire, or storms.
Uninsured motorist coverage helps if the other driver doesn’t have enough insurance to pay for damages. Choosing these extra coverages can provide peace of mind and financial security in case of unexpected accidents.
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Tips for Saving Money on South Carolina SR-22 Insurance
SR-22 insurance in South Carolina can be pricey, but drivers can save money by taking advantage of the best auto insurance discounts offered by our top ten providers.
Allstate gives discounts for bundling policies, safe driving, and having good students on the policy. American Family also offers savings for safe drivers, good students, and combining home and auto insurance. These discounts can help lower monthly insurance costs while keeping you legally covered.
The General gives multi-policy, safe driver, and homeowner discounts. Comparing providers and asking about available discounts can help South Carolina drivers find affordable SR-22 insurance that fits their budget.
Auto Insurance Discounts From the Top Providers for SR-22 in South Carolina
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Safe Driving, Good Student, New Car |
| Multi-Policy, Safe Driver, Good Student, Bundling |
| Multi-Car, Safe Driver, Homeowner, Pay in Full |
| Multi-Policy, Safe Driver, Homeowner, Good Student |
| Good Driver, Multi-Car, Military, Bundling, Membership |
| Multi-Policy, Safe Driver, Early Signing, New Vehicle |
| Multi-Policy, Safe Driver, Family Discount, Anti-Theft |
| Multi-Car, Continuous Coverage, Homeowner, Pay in Full |
 | Multi-Policy, Safe Driver, Student Away at School, Accident-Free |
| Multi-Policy, Safe Driver, Homeowner, Military |
Other providers offer helpful ways to save, too. Geico has discounts for safe drivers, military members, and people with more than one car. Progressive rewards drivers who maintain continuous coverage, while State Farm offers savings for accident-free driving and students who live away from home.
If you’re looking for cheap SR-22 insurance in Columbia, SC, or the cheapest SR-22 insurance in South Carolina, it’s important to compare rates from different insurance companies. SR-22 insurance in SC is required for drivers who have had serious violations like DUIs or driving without insurance, and it proves you meet the state’s minimum coverage requirements.
How much is SR-22 insurance in South Carolina can vary, but finding the cheapest insurance in SC is possible by shopping around. If you need SR-22 insurance in Columbia SC, companies like Geico and Progressive offer affordable options. What is SR-22 insurance in South Carolina? It’s a certificate that proves you have the right car insurance after a violation.
If you’re asking who needs SR-22 insurance in South Carolina, it’s typically required for high-risk drivers. To find the most affordable South Carolina SR-22 insurance, make sure to compare quotes and check how much is SR-22 insurance in SC.
Read More: Best Good Student Auto Insurance Discounts
How to Get Cheap SR-22 Insurance in South Carolina
Getting the cheapest South Carolina auto insurance is easy with State Farm, Geico, and The General. Check out our extensive guide on how to get SR-22 auto insurance from Geico for expert tips.
First, you’ll need to contact an insurance company that offers SR-22 filings, such as State Farm, Geico, and The General. Let the insurer know you need to file SR-22 coverage due to a driving violation like a DUI or license suspension.
Avoid coverage lapses and shop around for the best SR-22 price. For example, continuous insurance history lowers rates.Michelle Robbins Licensed Insurance Agent
The company will file the SR-22 form with the South Carolina Department of Motor Vehicles (DMV) on your behalf. Expect a filing fee, usually between $15 and $25, added to your premium. Once your SR-22 is filed, the DMV will notify you when you’re allowed to drive again.
To avoid penalties, you must maintain continuous coverage for the required period, typically three years. If your policy lapses, your insurer will inform the DMV, possibly leading to a license suspension or higher insurance costs. Start saving on your auto insurance by entering your ZIP code now and comparing cheap SR-22 insurance in South Carolina.
Frequently Asked Questions
What is SR-22 insurance, and why is it required in South Carolina?
SR-22 insurance is a form filed by an insurance company to prove that a driver has the minimum car insurance required by South Carolina law. It’s usually required after serious violations like DUIs, reckless driving, or driving without insurance.
How long do you need to carry SR-22 insurance in South Carolina?
Drivers typically need to maintain SR-22 in SC for three years. The exact time may vary based on the offense and court requirements.
What happens if your SR-22 insurance lapses in South Carolina?
If your SR-22 insurance lapses, your insurance company will notify the South Carolina DMV. This can result in license suspension, fines, and higher future insurance premiums.
Does SR-22 insurance in SC increase car insurance rates?
Yes, SR-22 insurance generally raises premiums because it’s required for high-risk drivers. Rates depend on your driving record, provider, and coverage level (Read more: High-Risk Auto Insurance).
Can you switch insurance companies while carrying SR-22 in SC?
Yes, you can switch insurance providers, but you must ensure the new company files your SR-22 form immediately to avoid coverage gaps or penalties.
Which companies offer the cheapest SR-22 insurance in Greenville, SC?
State Farm, Geico, and The General provide the cheapest SR-22 insurance in Greenville, SC. State Farm offers the best rates for safe drivers, while Geico and The General have discounts for high-risk drivers.
Is SR-22 insurance required for non-owners in South Carolina?
Yes, if you don’t own a car but need SR-22 insurance, you can purchase a non-owner SR-22 car insurance policy, which provides liability coverage when driving a borrowed or rented vehicle.
What coverages are included with SR-22 insurance in South Carolina?
SR-22 insurance in South Carolina typically includes liability coverage, but you can add collision, comprehensive, and uninsured motorist protection for extra security.
How much does SR-22 insurance cost in South Carolina?
How much is SR-22 insurance in SC? SR-22 insurance costs in South Carolina vary depending on the provider, coverage level, and driving history. For full coverage, rates can range from $118 a month with State Farm to over $416 a month with Dairyland.
Are there any discounts available for SR-22 insurance in South Carolina?
Yes, many providers offer discounts to lower the price of SR-22 insurance in SC. Safe driver discounts can save up to 20%, good student discounts can offer up to 25%, and home and auto insurance bundling discounts by as much as 15%.
Can you file an SR-22 for someone in South Carolina?
Only licensed insurance companies can file an SR-22 form on your behalf. You’ll need to contact a provider that offers SR-22 filings and purchase a qualifying insurance policy. Get fast and cheap SR-22 insurance in SC today using our quote comparison tool.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.