Car Insurance After a DUI in South Carolina: Cheapest Companies & Rates (2026)
A DUI in South Carolina increases car insurance rates by an average of 85%, raising a typical full coverage policy from $2,016/year to $3,730/year. That's an increase of $1,714/year ($143/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in South Carolina
Before DUI
$168/mo
$2,016/year full coverage
After DUI (+85%)
$311/mo
$3,730/year full coverage
Cheapest Companies After DUI in South Carolina
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $230/mo | $2,760/yr | Military families |
| Erie Insurance | $246/mo | $2,947/yr | Rate lock guarantee |
| GEICO | $255/mo | $3,059/yr | Clean driving record |
| Progressive | $274/mo | $3,282/yr | Telematics savings |
| State Farm | $283/mo | $3,394/yr | Good students |
| Travelers | $295/mo | $3,544/yr | Multiple discounts |
| Nationwide | $323/mo | $3,879/yr | Bundling home + auto |
| Farmers | $336/mo | $4,028/yr | Signal telematics |
| Allstate | $348/mo | $4,178/yr | Accident forgiveness |
| Liberty Mutual | $367/mo | $4,401/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, South Carolina, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in South Carolina
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in South Carolina
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in South Carolina
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $311/mo | +85% |
| Year 1 | $297/mo | +77% |
| Year 2 | $275/mo | +64% |
| Year 3 | $239/mo | +43% |
| Year 5 | $197/mo | +17% |
| Year 7 | $168/mo | Normal |