Best Auto Insurance After a DUI in South Carolina (Find the Top 10 Companies Here for 2024)

The best auto insurance after a DUI in South Carolina is provided by State Farm, USAA, and Progressive. State Farm leads with personalized policies starting at $39/month.

USAA is ideal for military members seeking competitive rates, while Progressive provides affordable options tailored to high-risk drivers with a DUI.

Our Top 10 Company Picks: Best Auto Insurance After a DUI in South Carolina

Each of these companies combines affordability, coverage, and reliability, making them the best choices for drivers in South Carolina.

You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.

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#1 – State Farm: Top Overall Pick

Pros

• Personalized Policies: After a DUI in South Carolina, State Farm offers personalized policies that cater to individual needs, potentially addressing specific requirements post-DUI.
• Affordable Rates: Starting rates are competitive at $39 per month, which can be beneficial after a DUI in South Carolina. Read our State Farm review to compare SC insurance rates near you.
• Flexibility: Provides various coverage options that can be adjusted based on driving history, including after a DUI in South Carolina.

Cons

• Potential Rate Increase: After multiple DUIs in South Carolina, State Farm might raise rates significantly.
• Limited Discounts: They may offer fewer discounts for high-risk drivers after a DUI in South Carolina compared to some competitors.

#2 – USAA: Best for Military Members

Pros

• Competitive Rates for Military Members: After a DUI in South Carolina, USAA provides competitive rates of $49/month for military members and their families.
• Comprehensive Coverage: USAA offers extensive coverage options after a DUI in South Carolina, tailored to meet unique needs.
• Strong Customer Support: Known for excellent customer service and high-risk insurance claim filing in South Carolina, which can be crucial after a DUI. Learn more in our USAA review.

Cons

• Eligibility Restriction: USAA’s coverage is only available to military members and their families, so it may not be an option for everyone after a DUI in South Carolina.
• Higher Rates for Non-Members: For those not eligible, finding a suitable alternative after a DUI in South Carolina might be challenging.

#3 – Progressive: Best DUI Insurance Discounts

Pros

• Multiple Discounts: High-risk drivers with DUIs in South Carolina can still qualify for several discounts that can reduce the cost of insurance.
• Competitive Rates: Progressive offers competitive South Carolina DUI car insurance rates starting at $63/month. Read more in our review of Progressive.
• Customizable Policies: Progressive provides various policy options that can be customized based on your driving record after a DUI in South Carolina.

Cons

• Varied Coverage Levels: Coverage options can vary widely, which may make it challenging to find the right fit after a DUI in South Carolina.
• Potential for Higher Costs: Rates can be higher for high-risk drivers, including those with a DUI in South Carolina.

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#4 – Allstate: Best for Infrequent Drivers

Pros

• Tailored for Infrequent Drivers: After a DUI in South Carolina, Allstate provides options that can benefit infrequent drivers by potentially lowering costs. Learn more in our Allstate Milewise review.
• Variety of Coverage Options: Offers various coverage plans suitable for different driving histories after a DUI in South Carolina.
• Discount Opportunities: Our Allstate review covers the discounts that might help offset costs for those with a DUI in South Carolina.

Cons

• Higher Rates for Frequent Drivers: If you drive frequently, the rates after a DUI in South Carolina may be higher compared to other insurers.
• Limited High-Risk Discounts: Discounts for high-risk drivers, including those with a DUI in South Carolina, may be less available.

#5 – American Family: Best Customer Service

Pros

• Excellent Customer Service: Known for strong customer service, which can be especially helpful after a DUI in South Carolina.
• Variety of Coverage Options: AmFam offers diverse coverage options tailored to individual needs after a DUI in South Carolina.
• Discounts and Savings: American Family insurance discounts can help reduce insurance costs after a DUI in South Carolina, which you can check out in our American Family review.

Cons

• Potentially Higher Premiums: After a DUI in South Carolina, AmFam premiums may be higher compared to other providers.
• Less Flexibility: South Carolina DUI drivers may have less flexibility in adjusting policies.

#6 – Farmers: Best Discount Variety

Pros

• Variety of Insurance Discounts: High-risk drivers with DUIs in South Carolina can still qualify for 20% or more with multi-vehicle and occupational discounts.
• Comprehensive Coverage: Farmers’ extensive coverage options that can be beneficial after a DUI in South Carolina.
• Customizable Policies: Farmers customizes South Carolina DUI auto insurance policies to better suit your needs. Read our Farmers review for a full list of options.

Cons

• Higher Initial Costs: After a DUI in South Carolina, initial costs may be higher compared to other insurers.
• Limited Discounts for High-Risk Drivers: Farmers may offer fewer driving-based discounts for high-risk drivers after a DUI in South Carolina.

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#7 – Geico: Best Online Insurance Tools

Pros

• Extensive Online Tools: Geico’s useful online tools and streamlined mobile app allow you to easily compare rates and manage policies after a DUI in South Carolina.
• Cheap Rates: Geico offers some of the cheapest rates available, which can help manage auto insurance costs after a DUI in South Carolina.
• Variety of Discounts: Geico offers various discounts that can lower costs even after a DUI in South Carolina, which you can read more about in our review of Geico.

Cons

• Customer Service Issues: Customer service may not be as strong, which can be a drawback after a DUI in South Carolina if you need frequent assistance.
• Potential Coverage Limitations: Geico DUI insurance coverage options might be less comprehensive compared to other SC auto insurance companies.

#8 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Travelers has extensive coverage options that are beneficial after a DUI in South Carolina.
• Customizable Policies: South Carolina high-risk drivers with DUIs can customize policies to suit their individual needs.
• Strong Claims Service: Travelers is known for reliable claims service, which is important after a DUI in South Carolina. Read our Travelers review for full consumer ratings.

Cons

• Higher Costs for High-Risk Drivers: Travelers DUI insurance premiums may be higher for high-risk drivers in South Carolina.
• Less Competitive Rates: DUI auto insurance rates may not be as competitive as some other South Carolina providers.

#9 – Nationwide: Best for Multi-Policy Savings

Pros

• Multi-Policy Savings: Drivers with DUIs in South Carolina can save up to 20% if they bundle Nationwide auto and home insurance policies.
• Multi-Vehicle Savings: Drivers with DUIs who insure multiple vehicles with Nationwide can save 20% on SC car insurance rates.
• Good Customer Support: Get solid customer support to assist with insurance needs after a DUI in South Carolina. Find out more in our Nationwide review.

Cons

• Higher Rates for DUI: Nationwide DUI insurance premiums can be higher for drivers in South Carolina.
• Discounts May Not Apply: Discounts for specific circumstances might be limited after a DUI in South Carolina.

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#10 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Support: Drivers have around-the-clock support, which can be crucial for managing insurance needs after a DUI in South Carolina.
• Extensive Coverage Options: Liberty Mutual offers a variety of coverage options that can be beneficial after a DUI in South Carolina.
• Customizable Policies: Customize policies to fit your specific needs after a DUI in South Carolina. Learn how in our Liberty Mutual review.

Cons

• Higher Premiums: After a DUI in South Carolina, premiums may be higher compared to other insurers.
• Limited Discounts for High-Risk Drivers: Discounts might be less available to high-risk drivers after a DUI in South Carolina.

Compare Coverage and Rates for South Carolina DUI Auto Insurance

Compare South Carolina DUI auto insurance rates by coverage level and provider. State Farm offers the lowest rates with minimum coverage at $39 and full coverage at $95, while Liberty Mutual is the most expensive.

South Carolina DUI Auto Insurance Monthly Rates by Provider & Coverage Level

Progressive and USAA provide affordable options, making them top choices for budget-conscious drivers. USAA is one of the best auto insurance companies for military families and veterans but isn’t available to non-military members in South Carolina.

Different insurers have varying approaches to handling DUI convictions. Some may offer more lenient terms and better rates, while others might impose higher premiums or stricter coverage conditions.

To find the best South Carolina auto insurance after a DUI, consider insurer policies, coverage levels, your driving record, state regulations, and discounts. Compare multiple companies online to find the high-risk policy that best fits your needs.

How to Get Cheaper Auto Insurance After a DUI in South Carolina

Securing affordable auto insurance after a DUI in South Carolina can be challenging, but there are several strategies you can use to help lower your costs. Discounts from completing defensive driving courses, maintaining a clean record after a DUI, or bundling multiple policies can greatly affect insurance costs.

Explore auto insurance discounts from top providers in South Carolina after a DUI. Our table highlights various savings opportunities, including defensive driving and multi-policy discounts from Allstate, American Family, and others.

Compare quotes from different providers like State Farm, USAA, and Progressive to lower your auto insurance rates after a DUI in South Carolina. Increasing your deductible can also reduce premiums, but ensure you can afford the higher out-of-pocket costs if needed.

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Case Studies: Auto Insurance Solutions for South Carolina Drivers With a DUI

We’ve examined real-life cases in South Carolina to reveal how high-risk drivers with DUIs have managed their insurance needs and the strategies that worked best:

• Case Study #1 – Young Professional With a Recent DUI: Sarah, a 32-year-old marketing professional in Charleston with a recent DUI, selects Progressive for its affordable auto insurance starting at $45/month, opting for minimum coverage and a defensive driving course to lower future.
• Case Study #2 – Small Business Owner With Multiple Vehicles: James, a 45-year-old small business owner from Greenville, SC, with a recent DUI, opts for Nationwide’s multi-vehicle policy at $55/month per vehicle due to its bundling discounts and competitive rates.
• Case Study #3 – Older Student With Minimal Income: Emily, a 28-year-old college student from Columbia, SC, with a recent DUI and limited budget, selects Geico for its low rates of $30/month and student discounts, securing a minimum coverage policy.

Choosing the right high-risk auto insurance in South Carolina after a DUI requires careful consideration of both cost and coverage. By reviewing these case studies, you can better understand how different drivers manage their DUI insurance needs while sticking to a budget.

Finding Affordable Auto Insurance Deals in South Carolina After a DUI

State Farm, USAA, and Progressive have the best auto insurance after a DUI in South Carolina. State Farm leads as one of the cheapest auto insurance companies, with rates starting at $39/month.

USAA offers competitive rates for military members, while Progressive provides budget-friendly options for those with a DUI. Compare quotes from multiple providers and consider discounts for defensive driving and bundling policies to lower your rates even more.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.

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

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