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.
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.
|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|
|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.
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.
|11||Hilton Head Island||$1,173|
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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.
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,260|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,375|
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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.
|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|
|Emergency roadside service||Yes||Yes||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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