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Cheap DUI Car Insurance in South Carolina (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in South Carolina (2022)

For drivers with a DUI or DWI offense in South Carolina, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in South Carolina. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in South Carolina.

DUI Car Insurance Costs in South Carolina

In South Carolina, a DUI or DWI offense will on average have drivers paying $429 per month and $5,148 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 54% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
Avg. Monthly Cost - After DUI
$150 ▴
53.76% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in South Carolina?

Having a DUI can be a huge headache and has probably impacted you in more ways than one. After you've paid all your penalties, you may be wondering what's next. If you haven't already seen an increase in your insurance premiums, you will.

Insurance costs in South Carolina rise about 53 percent after you have a DUI. In dollars, this means that on average, you'll be paying $150 more in car insurance costs than you were before you received your DUI. The average premium for DUI-convicted drivers in South Carolina is $429.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI

What Are the Average Car Insurance Prices After a DUI in South Carolina?

Ask around, and you're likely to get many different numbers when it comes to insurance prices in South Carolina. That's because your insurance rate is such a personal thing. Based on the tremendous amount of data we've collected, we found the average car insurance price a driver with a DUI pays in South Carolina is $429.

Because South Carolina is the 17th most expensive state for DUI insurance, you may experience a higher or lower rate than a similar driver in another state. The surest way to know that you've got the best rate for you is by using a comparison shopping engine like Insurify.

South Carolina After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)

How Long Is the Lookback Period for a DUI in South Carolina?

Those convicted of a DUI in South Carolina may be looking over their shoulders for some time in this state. The lookback period (also known as a "washout" period) is 10 years in South Carolina. This means that a DUI on your driving record counts against you for this length of time. If you have any subsequent DUI offenses within 10 years, you could be in for harsher penalties.

Though the DUI can drop off your driving record after 10 years of no DUI-related mistakes, it's always on your criminal record. The only two ways to get a DUI off your criminal record in South Carolina is to be found "not guilty" or to have a lawyer have your charges reduced and then expunged.

South Carolina DUI Penalties

The blood alcohol content (BAC) to be considered a DUI in South Carolina is .08 or higher. Penalties for this violation vary based on the offense. The first conviction for driving under the influence of alcohol means a fine of up to $400, jail time of up to 30 days, and the suspension of your driver's license for six months. For the second offense, penalties increase to up to $5,100 in fines, a year in jail, and the loss of your driver's license for a year.
Third-time DUI offenders face even steeper penalties, including a fine of up to $3,800, three years of jail time, and the loss of their driver's license for up to two years. If the third offense occurs within five years of the first offense, you could lose your license for four years.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - South Carolina Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county South Carolina. Insurify analyzed the latest data for the five most populous cities in South Carolina to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in South Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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