Compare Charleston, SC Car Insurance Rates (2021)

Charleston, SC car insurance rates average $327 per month or $3,929 annually. However, your premiums depend on your age, driving record, and coverage needs. The most affordable Charleston, SC car insurance company is GEICO. All Charleston residents must carry the South Carolina legal minimum auto insurance limits of 25/50/25 in liability coverage plus uninsured motorist coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2021

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Here's What You Need to Know

  • The cheapest Charleston, SC car insurance company is GEICO
  • Minor traffic congestion and average auto theft rates influence your Charleston, SC car insurance costs
  • Charleston car insurance rates are average compared to the rest of South Carolina

Charleston, South Carolina car insurance costs average $327 per month or $3,929 per year. The cheapest Charleston, SC car insurance quotes come from GEICO.

Below, compare actual rates from the top insurance providers in Charleston and learn how to secure cheap car insurance, regardless of your age, driving record, and coverage needs.

Monthly Charleston, SC Car Insurance Rates by ZIP Code

Find more info about the monthly Charleston, SC auto insurance rates by ZIP Code below:

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Charleston, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Charleston, SC against other top US metro areas’ auto insurance rates.

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When you’re ready to buy Charleston, SC car insurance, enter your ZIP code into our free quote tool above and immediately receive rates from reputable companies near you.

What is the cheapest car insurance company in Charleston, SC?

The cheapest Charleston, SC car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average South Carolina car insurance company rates?” We cover that as well.

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The cheapest Charleston, SC car insurance company is GEICO. Below, compare a list of the top insurance providers in Charleston from most affordable to most expensive.

  • GEICO – $3,159.96
  • State Farm – $3,335.65
  • USAA – $3,514.83
  • Nationwide – $3,738.51
  • Allstate – $4,326.42
  • Progressive – $4,548.44
  • Farmers – $4,882.74

To secure affordable Charleston, SC car insurance rates, compare quotes from more than one of the providers listed above.

Every company calculated costs differently. Your age, driving record, and coverage level you require all influence your total insurance costs.

Charleston, South Carolinacar insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Charleston, SC car insurance rates. Find the cheapest Charleston, South Carolina car insurance rates by coverage level below:

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Your credit score will play a major role in your Charleston, SC car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Charleston, South Carolina car insurance rates by credit score below.

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Your driving record will affect your Charleston car insurance rates. For example, a Charleston, South Carolina DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Charleston, South Carolina car insurance rates by driving record.

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Factors affecting car insurance rates in Charleston, SC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Charleston, South Carolina car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Charleston. SC does use gender, so check out the average monthly car insurance rates by age and gender in Charleston, SC.

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What car insurance coverage is required in Charleston, SC?

Charleston residents must meet the South Carolina legal car insurance minimum limits.

What is the penalty for driving without insurance in South Carolina? You face potential jail time and fines reaching $750.

Currently, South Carolina requires drivers to carry at least:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $25,000 in property damage liability
  • Additional $25,000 per person and $50,000 per incident in uninsured motorist coverage

South Carolina is an at-fault or tort state. Liability car insurance coverage is necessary because if you cause an accident, you are responsible for paying for the other party’s damages.

Insurers in South Carolina must offer you underinsured motorist coverage, but you can turn it down.

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What affects car insurance rates in Charleston, SC?

Minor traffic congestion and average auto theft rates influence your Charleston, SC car insurance quotes. According to INRIX, Charleston is the 123rd most congested city in America.

Less traffic during commuter times means fewer chances of getting into a car accident, leading to lower premiums. The average commute time for Charleston residents, as reported by City-Data, is 22.5 minutes.

Auto theft statistics in Charelston match the state average. The Federal Bureau of Investigation (FBI) recorded 303 vehicle thefts in 2017, a rate of 221.4 car thefts per 100,000 people.

The subtropical Charleston, SC weather patterns mean tornados and flooding are annual occurrences. Insurance costs in your city might be higher on average as a result.

Charleston, SC Car Insurance: The Bottom Line

Overall, Charleston car insurance costs are average compared to the rest of South Carolina.

Remember to ask about car insurance discounts for even better prices.

By taking the time to research and compare rates from multiple different companies, you’ll quickly secure affordable Charleston, SC car insurance rates.

Find the best Charleston, SC car insurance company for you by entering your ZIP code into our free quote tool below.

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

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Average Monthly Car Insurance Rates by State
Monthly Charleston, SC Car Insurance Rates by ZIP Code
Charleston, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Charleston, SC Car Insurance Rates by Company vs. City Average
Charleston, SC Car Insurance Rates by Company and Age
The Cheapest Charleston, SC Car Insurance Rates by Coverage Level
The Cheapest Charleston, SC Car Insurance Rates by Credit Score
The Cheapest Charleston, SC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Charleston, SC
Average Monthly Car Insurance Rates by Age & Gender in Charleston, SC
Monthly Charleston, SC Car Insurance Rates by ZIP Code
Charleston, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Charleston, SC Car Insurance Rates by Company vs. City Average
Charleston, SC Car Insurance Rates by Company and Age
The Cheapest Charleston, SC Car Insurance Rates by Coverage Level
The Cheapest Charleston, SC Car Insurance Rates by Credit Score
The Cheapest Charleston, SC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Charleston, SC
Average Monthly Car Insurance Rates by Age & Gender in Charleston, SC