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Best Cheap Auto Insurance for Drivers with a DUI in South Carolina

Enter your South Carolina zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 5, 2019

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Wouldn’t life be great if we could wave our magic wand and tell you the one perfect auto insurance company that has the cheapest rate quotes for drivers with a DUI? It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like your date of birth, if you own or rent your home, how well you maintain your credit, and the miles you drive each year. We will attempt to cover these factors and others that can influence the price of auto insurance and also should give you a solid foundation to find cheaper car insurance in South Carolina.

The make and model of vehicle you are insuring is a significant factor in finding the best cheap auto insurance for drivers with a DUI in South Carolina. Vehicles with high performance engines, poor crash test ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models. The information below presents car insurance costs for a handful of the most cost-effective vehicles to buy insurance for.

Cheapest Auto Insurance Rates for Drivers with a DUI in South Carolina
Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,195
Honda CR-V EX 2WD $1,274
Chevrolet Traverse LS 2WD $1,279
Dodge Grand Caravan CV $1,307
Chevrolet Silverado LS Regular Cab 4WD $1,366
Chevrolet Malibu LS $1,382
Hyundai Santa Fe SE 2WD $1,389
Toyota Prius $1,387
Subaru Forester XT AWD $1,399
Kia Forte SX 4-Dr Sedan $1,409
Ford Focus SEL 4-Dr Sedan $1,433
Toyota Tacoma 2WD $1,450
Ford Edge SEL AWD $1,455
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Prices above based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in zip code location which can alter coverage prices considerably.

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Looking at the rates, we can conclude that models like the Ford Escape, Honda CR-V, and Chevrolet Traverse are going to be a few of the most affordable vehicles to insure after getting a DUI. Auto insurance rates will be more costly because there is more liability risk for drivers with a DUI, but generally speaking those models will most likely have the lowest prices compared to other types of vehicles.

After getting a DUI, one of the largest things that help determine the price of your policy is where you live in South Carolina. Areas with more people like North Charleston, Summerville, and Goose Creek will most likely pay more, whereas areas with less congestion benefit from lower coverage costs.

The information below illustrates the most expensive areas in South Carolina for drivers with a DUI to buy auto insurance in.

How much does car insurance cost in South Carolina?
Rank City Annual Rate
1 North Charleston $1,301
2 Florence $1,298
3 Summerville $1,290
4 Charleston $1,285
5 Goose Creek $1,284
6 Sumter $1,252
7 Myrtle Beach $1,222
8 Columbia $1,189
9 Socastee $1,187
10 Mount Pleasant $1,177
11 Hilton Head Island $1,173
12 Saint Andrews $1,160
13 Greenwood $1,132
14 North Augusta $1,128
15 Spartanburg $1,127
16 Rock Hill $1,124
17 Anderson $1,116
18 Greenville $1,111
19 Aiken $1,097
20 Taylors $1,085
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Rate quotes are approximated as the vehicle garaging location can decrease or increase premiums considerably.

Determining which company offers the best auto insurance rates for drivers with a DUI will involve more time in order to find the best price. Each company uses their own formula for determining rates in each state, so we will examine the overall cheapest auto insurance companies in South Carolina.

Enter your zip code below to view companies that have cheap auto insurance rates.

South Carolina car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $745
2 USAA $1,025
3 Auto-Owners $1,119
4 State Auto $1,127
5 SC Farm Bureau Mutual $1,260
6 Southern Farm Bureau $1,298
7 National Grange Mutual $1,375
8 Travelers $1,384
9 State Farm $1,408
10 Allstate $1,637
11 Progressive $1,643
12 Encompass $1,691
13 Nationwide $1,760
14 Safe Auto $1,907
15 GEICO $2,061
16 Liberty Mutual $2,415
17 Bristol West $2,420
18 Safeco $2,744
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The Hartford may offer some of the best car insurance rates in South Carolina at around $745 each year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual also rank well as some of the lowest-priced South Carolina insurance companies.

As the example above demonstrates, if you currently have a policy with Auto-Owners and switched to The Hartford, you may see yearly savings of roughly $374. South Carolina drivers with State Auto may save as much as $382 a year, and SC Farm Bureau Mutual policyholders might reduce rates by $515 a year.

Bear in mind that those prices are averaged across all types of insureds and vehicles and and are not figured with a price increase for drivers with a DUI. So the insurer that has the lowest price for you may not even be in the chart above. That emphasizes why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

Company comparison: Allstate vs State Farm vs Progressive vs Geico

When researching auto insurance after getting a DUI, the top insurers to get price quotes from are Allstate, State Farm, Progressive, and Geico. The table below ranks pricing and service ratings, plus some optional coverages that you can purchase from each one.

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Top U.S. Auto Insurance Company Ratings
Allstate State Farm Progressive Geico
Claims Handling 1st 2nd 4th 3rd
Overall Satisfaction 2nd 4th 3rd 1st
Price Rank 4th 2nd 3rd 1st
Discounts Available 1st 3rd 4th 2nd
Amount of market share 9.7% 18.3% 9.1% 11.9%
A.M. Best rating A+ A++ A+ A++
S&P financial rating AA- AA AA AA+
New car replacement coverage Yes No No No
Breakdown insurance No No Yes Yes
Usage-based rating Yes Yes Yes No
Rideshare coverage Yes Yes Yes Yes
Emergency roadside service Yes Yes Yes Yes
Accident forgiveness Yes No Yes Yes
Types of agents used Allstate-only agents Only from State Farm agents Buy online or from an independent agent Online or through a Geico agent
Number of agents 11,000+ 18,000+ 30,000+ 150+
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