A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In South Carolina, a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction can have a substantial impact on a driver's insurance rates. South Carolina law considers these offenses serious, and as a result, insurance companies may increase premiums significantly, sometimes by an average of 80% or more, due to the higher risk associated with insuring a driver with a history of impaired driving. Multiple DUI/DWI convictions compound the issue, making it even more challenging for drivers to find affordable insurance. Insurers may deem such drivers as high-risk, which can lead to difficulty in obtaining the necessary insurance to legally operate a vehicle. Additionally, a DUI/DWI conviction typically results in the suspension or revocation of the driver's license, which also contributes to increased insurance costs once the license is reinstated. The exact rate increase and insurance implications will vary based on the individual's driving record, the severity of the incident, and the insurance company's policies.