What Happens to Your Car Insurance Rate After a DUI in South Carolina? 

A DUI conviction may have financial consequences that extend beyond fines and legal fees. For many drivers, the impact on auto insurance rates is one of the most significant costs they can face. If you or someone you know is navigating this situation, understanding what to expect can help you make informed decisions about your coverage and budget.

The Immediate Impact on Your Premiums

Insurers may view a DUI as a serious indicator of risk. After a conviction, you can expect your rates to increase. Some drivers may find that their coverage dropped, which may force them into the non-standard market where options are more limited and costs are higher.

Understanding the SR-22 Requirement

After a DUI, South Carolina requires drivers to file an SR-22, a certificate of financial responsibility that proves you carry at least the state-required minimums for liability coverage. Key things to know about SR-22 filings include:

• Your insurer files the form directly with the South Carolina DMV on your behalf.
• If your policy lapses, your insurer must notify the state immediately, which may result in license suspension.
• Not all insurance companies may offer SR-22 filings, which can limit your choices.
• The filing requirement typically lasts three years, starting from the date your license is reinstated rather than the date of the conviction.

How Long Will a DUI Affect Your Rates?

In South Carolina, a DUI conviction may stay on your driving record for 10 years, and insurers will factor it into your rates for the duration. The exact impact on your rates may vary  by carrier. As the conviction ages and you maintain a clean record, your rates may gradually improve.

How Our Team Can Help

We can help you shop across multiple carriers to find a policy that fits your situation, even with a DUI on your record. Contact Select Insurance today to review your options and find coverage that works for your circumstances.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.