Cheapest SR-22 Insurance in South Carolina for 2024 (Save With These 10 Companies)
The cheapest SR-22 insurance in South Carolina starts at $50 per month from The General, Geico, and Progressive. The General has the best South Carolina SR-22 insurance rates, while Geico offers many discounts. Progressive lets you customize your SR-22 coverage with online tools that find the cheapest quotes.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Dec 19, 2024
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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.
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: Dec 19, 2024
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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A.M. Best Rating
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Pros & Cons
13,128 reviewsThe cheapest SR-22 insurance in South Carolina comes from The General, Geico, and Progressive, starting at $50 per month.
The General has the best South Carolina SR-22 insurance rates, and Geico offers competitive discounts for having more than one policy, while Progressive lets you pick coverage online based on your budget.
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 | $50 | A | Affordable Rates | The General |
 | #2 | $55 | A++ | Competitive Discounts | Geico |
 | #3 | $60 | A+ | Customizable Coverage | Progressive |
 | #4 | $62 | A | Strong Reputation | Liberty Mutual |
 | #5 | $65 | A+ | Reliable Service | Allstate |
 | #6 | $66 | A | Young Drivers | American Family |
 | #7 | $68 | B | Excellent Support | State Farm |
 | #8 | $70 | A+ | Flexible Options | Dairyland |
 | #9 | $73 | A+ | Low Mileage | Nationwide |
 | #10 | $75 | A | Customer Loyalty | Farmers |
Choosing the right SR-22 auto insurance company can help you stay insured and save money. Comparing these top providers makes it easier to find an affordable policy.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
- The General offers the cheapest SR-22 insurance rates in South Carolina
- Geico and Progressive provide discounts and flexible SR-22 coverage options
- SC drivers can save with SR-22 discounts for multiple policies or vehicles
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#1 – The General: Top Overall Pick
Pros
- Lowest Monthly Rate: The General offers cheap SR-22 insurance in South Carolina, starting at $50/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.
#2 – Geico: Best Competitive Discounts
Pros
- Affordable Rates: Geico SR-22 insurance rates in South Carolina start at $55/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 – Progressive: Cheapest Customizable Coverage
Pros
- Customizable Coverage: Progressive offers SR-22 insurance in South Carolina starting at $60/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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#4 – Liberty Mutual: Best for Strong Reputation
Pros
- Good Rates: Liberty Mutual SR-22 insurance quotes in SC start at $62/month for minimum coverage.
- 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.
#5 – Allstate: Best for Reliable Service
Pros
- Reasonable Rates: Allstate SR-22 insurance quotes in South Carolina start at $65/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 – American Family: Cheapest for Young Drivers
Pros
- Fair Rates: American Family SR-22 insurance in South Carolina starts at $66/month for minimum coverage.
- 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.
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#7 – State Farm: Best Customer Support
Pros
- Good Rates: State Farm’s SR-22 insurance in South Carolina starts at $68/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.
#8 – Dairyland: Cheapest Flexible Options
Pros
- Affordable Rates: Dairyland offers SR-22 insurance rates in South Carolina starting at $70/month for minimum coverage.
- 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 – Nationwide: Cheapest for Low-Mileage Drivers
Pros
- SmartMiles Discounts: High-risk drivers in South Carolina who need to file 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.
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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
Monthly SR-22 insurance costs depend on the provider and the type of coverage you want. The General offers the lowest rates, starting at $50/month for minimum coverage and $120/month for full coverage.
South Carolina SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $150 |
| $66 | $155 |
| $70 | $165 |
| $75 | $170 |
| $55 | $130 |
| $62 | $145 |
| $73 | $162 |
| $60 | $140 |
| $68 | $160 |
| $50 | $120 |
Geico and Progressive also have affordable options, with minimum coverage rates of $55 and $60 per month. These companies are good choices for drivers looking for low-cost insurance with reliable coverage.
Geico and Progressive are top picks for SR-22 insurance in South Carolina, offering affordable rates, valuable discounts, and flexible coverage options.https://www.autoinsurance.org/images/Tim-Bain.jpg Tim Bain
For more protection, full coverage rates range from $130/month with Geico to $170/month with Farmers. Companies like Liberty Mutual and American Family also provide full coverage at reasonable rates, starting at $145 and $155 per month.
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.
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 |
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.
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.
Read More: Best Good Student Auto Insurance Discounts
How to Get Cheap SR-22 Insurance in South Carolina
Getting the cheapest SR-22 insurance in South Carolina is easy with The General, Geico, and Progressive. 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 The General, Geico, or Progressive. Let the insurer know you need to file SR-22 coverage due to a driving violation like a DUI or license suspension.
The General is the top pick for the cheapest SR-22 insurance in South Carolina, offering affordable rates starting at $50 per month with an A rating from A.M. Best.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.
You must maintain continuous coverage for the required period, typically three years, to avoid penalties. If your policy lapses, your insurer will inform the DMV, possibly leading to a license suspension or higher insurance costs.
Compare rates and coverage options from different companies to find the most affordable SR-22 insurance in South Carolina. Start saving on your auto insurance by entering your ZIP code now and comparing free quotes.
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 I need to carry SR-22 insurance in South Carolina?
In South Carolina, drivers typically need to maintain SR-22 insurance for three years. The exact time may vary based on the offense and court requirements. Get fast and cheap auto insurance coverage today with our quote comparison tool.
What happens if my 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 South Carolina SR-22 insurance 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 I switch insurance companies while carrying SR-22 in South Carolina?
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.
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?
The cost varies depending on the provider, coverage level, and driving history. Rates can range from $50/month with The General to over $170/month with Farmers for full coverage.
Can I file an SR-22 myself 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.
Are there any discounts available for SR-22 insurance in South Carolina?
Yes, many providers offer discounts to reduce SR-22 insurance costs. These include safe driver, good student, and home and auto insurance bundling discounts from companies like Geico, Progressive, and State Farm.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.