Why Choose Upstate’s Choice Insurance for SR-22 Auto Insurance in South Carolina | Upstates Choice Insurance SR 22 Non Owners SR22 Insurance

August 6, 2025 - Posted by: jreid - In category: Assurance America, Auto Insurance, GA SR22, Liberty Mutual, National General Insurance, NC DL123, Non Owner, Non Owner GA, Non Owners Insurance, Non Owners Insurance (SR22), Progressive Insurance, Safeco, SR22, SR22 in GA, SR22 in SC - No responses

At Upstate’s Choice Insurance, located in Simpsonville, SC, we understand the urgency and stress that comes with needing SR-22 auto insurance. Since 2012, we’ve worked with clients in South Carolina, Georgia, and North Carolina to provide affordable and reliable coverage—including non-owner SR-22 policies, same-day filings, and license reinstatement support.Upstates Choice Insurance+2Upstates Choice Insurance+2

1. What Is an SR-22—and Why Might You Need One?

An SR-22 isn’t insurance—it’s a certificate filed by your insurance provider with the South Carolina DMV as proof that you’re carrying the state’s required minimum auto liability coverage. It’s typically mandated following serious driving incidents such as:

A DUI or DUAC conviction
Reckless or uninsured driving
Driving while suspended
Multiple traffic violations

2. SR-22 Filing: Minimum Standards in South Carolina

To comply with state law, your insurance must include the following liability limits:

$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 for property damageUpstates Choice Insurance Department of Insurance South Carolina

SR-22 coverage must typically be maintained for at least three years, although some convictions may require longer periods. Missing coverage or policy cancellation during this time leads to automatic notifications to the DMV, risking license suspension or an extended SR-22 requirement.

3. How Expensive Is SR-22 Insurance?

SR-22 insurance is generally more expensive than standard auto insurance. In South Carolina, premium increases can vary:

Up to double or triple the cost of regular policies
On average, a 40 % increase—from around $1,113 to $1,558 per year

Why the jump? Primarily because SR-22 is associated with high-risk drivers, pushing insurers to charge higher premiums.

4. Why Upstate’s Choice Insurance Is Your Best SR-22 Partner

Fast, local service with a personal touch

Same-day SR-22 filings for quick complianceUpstates Choice Insurance
Non-owner SR-22 policies for those who don’t own a vehicle but still need coverage when driving others’ cars—ideal for reinstating your license quicklyUpstates Choice Insurance+1

Expert rate shopping and support

We compare multiple carriers to find competitive rates tailored to your driving profileUpstates Choice Insurance+1
Located in Simpsonville, SC, with convenient weekday hours (Mon–Fri, 9 AM–5 PM)Upstates Choice Insurance+1

Home to Greenville area drivers

Proud to serve Greenville and surrounding areas with personalized SR-22 guidance and supportUpstates Choice Insurance+1

5. What You Need to Do—Your SR-22 Roadmap

Here’s what to expect if you’re navigating the SR-22 process:

Reach out to us for a fast, personalized quote—our team will gather the necessary info, including your offense details.
Review liability coverage to meet South Carolina’s minimums ($25/50/25).
Complete policy setup and we’ll file the SR-22 electronically the same day.
Maintain continuous coverage—any lapse means automatic reporting to the DMV and possible license suspension.
After 3 years of clean, uninterrupted coverage, your SR-22 requirements typically expire, and you may secure more competitive rates moving forward.

6. Tips to Lower SR-22 Costs

While SR-22 insurance is inherently more expensive, here are some strategies to manage costs:

Request only minimum coverage to keep premiums low
Bundle policies—pair your auto policy with renters or other available coverage for discounts
Maximize deductibles—raising them lowers your overall premium, but ensure you can cover the deductible if needed
Shop competitive quotes—we handle this for you, but always worth comparing over time

In Summary

If you’re dealing with SR-22 requirements in South Carolina, Upstate’s Choice Insurance is here to make the process smoother, faster, and more affordable:

Same-day SR-22 filings
Non-owner SR-22 options
Competitive, individualized rates
Personalized guidance from a Simpsonville-based agency

Don’t let SR-22 requirements keep you off the road—get a quick quote today and let us help you get back behind the wheel with confidence.

Ready to Get Started?

Visit Upstate’s Choice Insurance at 309 SE Main St., Ste 206, Simpsonville, SC 29681, or call 864-845-7500 to speak with one of our agents. We’re open Monday through Friday, 9 AM to 5 PM.

Let’s get you driving again—securely, legally, and affordably.