SR-22 South Carolina | The bank rate
If your driver’s license is suspended in South Carolina, you will likely need to purchase an SR-22 insurance form. SR-22 insurance is not a type of insurance, although it is sometimes called that. This form is proof that you have insurance.
Although some states use SR-22 alternatives, such as FR-44 forms, South Carolina only uses SR-22 certificates to verify proof of insurance coverage. Having an SR-22 on your record in South Carolina will affect your auto insurance premium, and that comes with other costs as well.
What is “SR-22 Insurance?” “
SR-22 insurance is a special type of proof of insurance. It certifies that you have the minimum amount of auto insurance required in South Carolina, which is represented by 25/50/25. This includes the following liability coverages:
- $ 25,000 in liability insurance for bodily injury per person
- $ 50,000 liability coverage for bodily injury per accident
- $ 25,000 liability coverage for accidental property damage
However, South Carolina’s SR-22 insurance is only required for high-risk drivers. This includes drivers whose license is suspended, who experience a serious traffic violation, who are caught driving without car insurance, who are found guilty of driving while intoxicated or who cause an accident resulting in death or injury.
The process of obtaining an SR-22 is relatively straightforward, but not all auto insurance companies offer it. If your personal auto insurance provider doesn’t sell SR-22 insurance, find an insurer that specializes in non-standard insurance. You will be asked to complete documents and pay an application fee. Finally, the insurance company will send the document to the South Carolina DMV.
Alternatives SR-22 South Carolina
South Carolina only requires drivers to purchase SR-22 insurance after a serious accident or violation resulting in license suspension. However, other states are using SR-22 alternatives to verify proof of driver insurance coverage. The type of certificate required may depend on the type of offense, financial liability requirements, and the number of offenses.
Here are some common alternatives to the SR-22 that you will find in other states:
|Form||States issued||Insurance minimums required|
|SR-22||Each state except Delaware, Kentucky, Minnesota, New, Mexico, New York, North Carolina, Oklahoma and Pennsylvania||State minimum insurance coverage|
|SR-19||California and Texas||State of Minimum Coverage for Uninsured Motorists (MU)|
|SR-21||Florida, Georgia and Indiana||State minimum insurance coverage|
|SR-22A||Georgia, Texas and Missouri||State minimum insurance coverage|
|FR-44||Florida and Virginia||Minimum state coverage with higher liability insurance limits|
|SR-50||Indiana||State minimum insurance coverage|
- SR-19: California and Texas both use SR-19 forms. If a driver is struck by an uninsured motorist and wishes to file a claim with their insurance company, they must first file a Form SR-19.
- SR-21: SR-21 forms are used in Florida, Georgia and Indiana. If a driver has a serious accident or receives a traffic violation, the SR-21 form is used to verify their insurance coverage at the time of the incident.
- SR-22A: Georgia, Texas, and Missouri use SR-22A forms, which are essentially the same as a standard SR-22. The SR-22A form is required for a driver to restore their driving privileges after a serious violation.
- FR-44: The only states that use the FR-44 forms are Florida and Virginia. The FR-44 is similar to an SR-22, but an FR-44 requires drivers to have liability coverage higher than the state minimum.
- SR-50: SR-50 forms are only used in Indiana. The SR-50 form is used to verify a driver’s auto insurance coverage in the event of an accident or traffic violation reported to Indiana BMV. This form is not necessarily linked to the license suspension.
If you are borrowing someone else’s vehicle at the time of the offense, you must purchase a certificate called a non-owner SR-22. As the name suggests, this form is only required if you lose your license and do not have your own car. Insurance requirements for SR-22 non-owner insurance are the same as for standard SR-22s.
SR-22 South Carolina Insurance Fee
In South Carolina, it typically costs less than $ 50 to file for an SR-22 certificate. The exact cost varies slightly depending on the insurance company. If your license has been suspended, you will also have to pay a $ 100 license reinstatement fee.
Drivers who have an SR-22 on their record will also pay higher than average auto insurance rates, especially those convicted of a drug or alcohol related offense. Drivers in South Carolina who get caught without insurance will also pay a hefty premium when they buy a policy, even with liability-only coverage.
How Long Do I Need an SR-22 in South Carolina?
Drivers who need to purchase South Carolina SR-22 insurance will have the certificate on file for at least three years. You may need to have the certificate on file for more than three years depending on the type of offense and the number of offenses you have committed.
How to get SR-22 insurance in South Carolina?
To get proof of SR-22 insurance in South Carolina, you will need to complete basic paperwork and pay the application fee. If you don’t have insurance, you will need to purchase a policy. The last step is for the insurance company to file the SR-22 form with the South Carolina DMV. You will receive a confirmation once the documents have been processed.
How much does SR-22 insurance cost in South Carolina?
SR-22s in South Carolina aren’t expensive. You will pay a small filing fee, which is usually less than $ 50. Keep in mind that SR-22 insurance isn’t actually a real form of insurance, so factors like your age, credit score, zip code, gender, and the type of car you have. drive have no impact on the cost of the SR-22.
How To Get Cheap SR-22 Insurance In South Carolina?
To find cheap SR-22 insurance in South Carolina, call a few insurers that offer SR-22s and inquire about their application fees. Choose the company that charges the cheapest administration fees, even if it’s not your personal auto insurance provider.