Many drivers in South Carolina overlook the importance of SR-22 insurance, which is often necessary after certain violations. If you're in this situation, finding affordable coverage can feel overwhelming. American National offers competitive rates, but you might also want to evaluate options like Auto-Owners Insurance for non-owner policies. Understanding your choices is key to staying compliant and avoiding penalties. What factors should you weigh in your search for the best rates?
Maneuvering the world of SR-22 insurance can feel overwhelming, especially if you've recently faced serious traffic violations. In South Carolina, SR-22 isn't exactly a type of insurance; it's a certificate that your insurance company files with the DMV to prove you meet the state's minimum liability coverage requirements. This filing typically follows offenses like DUIs, and it's vital for reinstating your driving privileges. The minimum coverage mandates include $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. SR-22 insurance is essential for those looking to regain their driving rights after violations.
When it comes to costs, SR-22 insurance in South Carolina can be pricey. On average, you might pay around $3,108 annually, which breaks down to monthly payments that can reach $109 for minimum coverage. If you're looking for affordable options, American National stands out, offering the cheapest SR-22 insurance at about $46 monthly for minimum coverage. If you need full coverage, the average monthly cost sits at $207, with American National again being the most budget-friendly option at $81.
If you don't own a vehicle but still need SR-22 coverage, non-owner policies are available. These policies provide liability coverage while you're driving someone else's vehicle. Auto-Owners Insurance delivers the most affordable non-owner SR-22 coverage at approximately $38 a month. Generally, these policies are less expensive than traditional ones due to lower coverage limits, but State Farm and GEICO also offer non-owner options, albeit at higher rates.
You'll need to maintain your SR-22 insurance for at least three years after your violation, which can feel like a long haul. During this time, you must keep your coverage active to avoid penalties. The state requires insurers to file the SR-22 form, and any lapse in coverage can lead to further fines or even license suspension. The filing fees for SR-22 insurance can range from $15 to $50, although some insurers may include or waive this fee as part of your policy. Continuous insurance is required during the three-year period, which is essential to avoid resetting your compliance timeline.
To find the best affordable SR-22 insurance, comparing quotes from multiple providers is essential. Your driving history and credit score can greatly affect your premiums, so it's wise to shop around. Don't hesitate to seek help from specialized insurance agents who can navigate you through the options. Companies like American National and Auto-Owners are among the most competitive, but State Farm and USAA also provide good rates, although they may have eligibility restrictions.
Conclusion
In your quest for the best affordable SR-22 insurance in South Carolina, search no more! With American National's jaw-dropping rates starting at just $46 a month, you can save more than you ever thought possible. And let's not forget Auto-Owners Insurance offering non-owner policies at an unbelievable $38 monthly! Keeping your coverage active isn't just smart; it's like having a superhero protect you from penalties. Don't wait—grab these incredible deals and drive with confidence today!