Compare Charleston, SC Car Insurance Rates (2021)

Car insurance in Charleston, SC averages $327 a month. Charleston, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Charleston car insurance rates, compare quotes from the top car insurance companies in Charleston, SC.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Charleston, SC after a DUI are $4,477/year
  • The cheapest car insurance company in Charleston for teen drivers is GEICO
  • The cheapest car insurance company in Charleston is GEICO

If you need to buy Charleston, South Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Charleston, SC is right here.

You’ll find Charleston car insurance rates, the cheapest Charleston, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Charleston, South Carolina car insurance rates to Columbia car insurance rates, Hilton Head Island car insurance rates, and North Charleston car insurance rates.

Ready to find affordable Charleston, SC car insurance today? Enter your ZIP code for fast, free Charleston car insurance quotes.

Cheapest Charleston, SC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charleston, SC car insurance rates? Every Charleston, South Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charleston, South Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,858 $2,858 $2,734 $2,734 $7,390 $9,423 $3,168 $3,447
Farmers $3,277 $3,286 $3,154 $3,396 $8,932 $9,811 $3,590 $3,616
GEICO $2,234 $2,234 $2,038 $2,038 $5,648 $5,762 $2,623 $2,701
Nationwide $2,524 $2,553 $2,277 $2,357 $6,227 $7,992 $2,865 $3,114
Progressive $2,419 $2,223 $2,089 $2,188 $10,357 $11,426 $2,786 $2,900
State Farm $2,080 $2,080 $1,891 $1,891 $6,104 $7,673 $2,338 $2,629
USAA $1,890 $1,897 $1,741 $1,744 $7,517 $8,223 $2,486 $2,620

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Charleston, SC

Every driver must carry the minimum car insurance in Charleston, SC. Take a look at the South Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Charleston, South Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Charleston, SC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charleston, SC. Compare credit history car insurance rates in Charleston from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charleston, South Carolina

Insurance Company Poor Fair Good
Allstate $5,436 $4,090 $3,453
Farmers $5,570 $4,739 $4,339
GEICO $4,820 $2,592 $2,068
Nationwide $4,437 $3,613 $3,166
Progressive $5,043 $4,445 $4,158
State Farm $4,792 $2,921 $2,294
USAA $5,462 $2,710 $2,373

Cheapest Charleston, SC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charleston, SC to rates for a clean record with top companies.

Annual Charleston, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,250 $5,176 $4,574 $4,306
Farmers $4,076 $5,652 $4,690 $5,113
GEICO $2,426 $3,118 $4,670 $2,426
Nationwide $2,988 $3,844 $4,839 $3,283
Progressive $3,717 $5,443 $4,550 $4,484
State Farm $3,020 $3,721 $3,301 $3,301
USAA $2,783 $3,437 $4,718 $3,120

Cheapest Charleston, SC Car Insurance for Teen Drivers

Teen car insurance in Charleston, SC can be expensive. Take a look at rates from the top car insurance companies in Charleston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charleston, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,390 $9,423
Farmers $8,932 $9,811
GEICO $5,648 $5,762
Nationwide $6,227 $7,992
Progressive $10,357 $11,426
State Farm $6,104 $7,673
USAA $7,517 $8,223

Cheapest Charleston, SC Car Insurance for Seniors

Take a look at Charleston, SC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charleston, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,734 $2,734
Farmers $3,154 $3,396
GEICO $2,038 $2,038
Nationwide $2,277 $2,357
Progressive $2,089 $2,188
State Farm $1,891 $1,891
USAA $1,741 $1,744

Cheapest Charleston, SC Car Insurance Rates After a DUI

A DUI in Charleston, SC increases car insurance rates. Compare Charleston, South Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charleston, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,574
Farmers $4,690
GEICO $4,670
Nationwide $4,839
Progressive $4,550
State Farm $3,301
USAA $4,718

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Charleston, SC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charleston, SC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charleston, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,234 $4,419
Farmers $4,883 $4,883
GEICO $3,140 $3,180
Nationwide $3,739 $3,739
Progressive $4,548 $4,548
State Farm $3,251 $3,420
USAA $3,477 $3,552

Cheapest Charleston, SC Car Insurance Rates by ZIP Code

Charleston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Charleston, SC.

Annual Car Insurance Rates by ZIP Code in Charleston, South Carolina

ZIP Code Average Annual Rates
29401 $3,484
29403 $3,685
29407 $3,668
29409 $3,657
29412 $3,495
29414 $3,824
29424 $3,477
29425 $3,817
29455 $3,709
29492 $3,704

The Best Cheap Car Insurance Companies in Charleston, SC

Take a look at a side-by-side comparison of the top car insurance companies in Charleston, SC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charleston, South Carolina

Insurance Company Average Annual Rates
Allstate $4,326
Farmers $4,883
GEICO $3,160
Nationwide $3,739
Progressive $4,548
State Farm $3,336
USAA $3,515

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Charleston, South Carolina

Find the cheapest car insurance companies in Charleston, SC for each category right here.

Best Annual Car Insurance Rates by Company in Charleston, South Carolina

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Charleston, SC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charleston car insurance rates. Find the cheapest Charleston, SC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charleston, South Carolina

Insurance Company Low Medium High
Allstate $4,067 $4,306 $4,606
Farmers $4,355 $4,882 $5,411
GEICO $2,940 $3,129 $3,411
Nationwide $3,674 $3,744 $3,797
Progressive $4,196 $4,489 $4,961
State Farm $3,079 $3,334 $3,593
USAA $3,304 $3,510 $3,730

What affects car insurance rates in Charleston, South Carolina?

What factors can have an impact on Charleston, SC car insurance? There are several reasons why Charleston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charleston, South Carolina.

Commute Time in Charleston

The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, SC is 22.8 minutes according to City-Data.

Traffic in Charleston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, SC traffic data from INRIX ranks Charleston as the 649th-most congested in the world.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Charleston, SC

Ready to find affordable Charleston, South Carolina car insurance today? Enter your ZIP code for fast, free Charleston, SC car insurance quotes.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption