Not every driver has a perfect driving record. If you’ve had tickets, accidents, or a DUI, you may have searched online for “high risk car insurance near me.”
Many drivers assume they won’t be able to find affordable coverage after violations, but that’s not always the case. Several insurance companies specialize in helping drivers who are considered high-risk, and working with a local independent insurance agency can help you find the best available option.
At Upstate’s Choice Insurance, we help drivers throughout South Carolina compare insurance companies that offer coverage for drivers with past violations.
What Makes a Driver High Risk?
Insurance companies classify drivers as higher risk if they have certain issues on their driving record.
Common reasons drivers may be considered high risk include:
- DUI or DWI convictions
- Multiple speeding tickets
- At-fault accidents
- License suspension or revocation
- Lapse in insurance coverage
- SR22 filing requirements
While these situations can increase insurance costs, many insurers still offer coverage options.
SR22 Insurance Requirements
Some drivers in South Carolina may be required to file an SR22 certificate with the state to reinstate their license.
An SR22 is not insurance itself. Instead, it is a form filed by your insurance company confirming you carry the required liability coverage.
Drivers may need SR22 insurance after:
- DUI convictions
- Driving without insurance
- Serious traffic violations
- License suspension
Independent insurance agencies often work with companies that specialize in SR22 policies.
How to Find Affordable High-Risk Car Insurance
Drivers with past violations can often reduce their insurance costs by:
- Comparing multiple insurance companies
- Maintaining continuous coverage
- Avoiding additional violations
- Choosing appropriate coverage limits
Over time, as violations become older, insurance rates often decrease.
Get High-Risk Car Insurance Near You
If you need high risk car insurance near you, the best approach is to compare several insurance companies.
At Upstate’s Choice Insurance, we help drivers throughout South Carolina find coverage options that fit their needs and budget.
Contact us today for a fast quote for high-risk auto insurance.