WalletHub, Financial Company
A DUI in South Carolina can affect insurance for up to 10 years, depending on how far back the insurance company checks a driver’s record. Most insurers look at the past 3-5 years on a driver’s motor vehicle record when calculating premiums, but some look even further for major violations like DUI. Even if the DUI no longer affects your rate directly, it may still affect your ability to qualify for discounts related to good driving, depending on your insurer.
On average, a DUI raises insurance rates in South Carolina by 69%. The exact amount that your rate will go up depends on your insurance company, since each insurer uses a different algorithm to calculate premiums.
If you can’t afford your rate after a DUI, you should shop around for a new policy and compare quotes from at least three different insurers to see if you can get a better deal. In South Carolina, the cheapest car insurance companies after a DUI are American National, American Family, and State Farm.
To learn more, check out WalletHub’s guide to DUI insurance.
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