Compare Charleston, SC Car Insurance Rates [2024]
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.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Dec 26, 2023
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.
UPDATED: Dec 26, 2023
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.
On This Page
- 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.
| 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 |
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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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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 |
Read More: Compare Best Car Insurance Companies That Accept DUI
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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.
| 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.
| 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.
| 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 |
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Category Winners: Cheapest Car Insurance in Charleston, South Carolina
Find the cheapest car insurance companies in Charleston, SC for each category right here.
| 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.
| 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.
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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.
Frequently Asked Questions
What is the average monthly car insurance rate in Charleston, SC?
The average monthly car insurance rate in Charleston, SC is $327.
What are the car insurance requirements in Charleston, SC?
The car insurance requirements in Charleston, SC are 25/50/25, but if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Charleston, SC?
To find cheap car insurance rates in Charleston, SC, compare quotes from the top car insurance companies in the area.
How does age, gender, and marital status affect car insurance rates in Charleston, SC?
Every car insurance company weighs age, gender, and marital status differently, so rates may vary.
What is the minimum car insurance required in Charleston, SC?
The minimum car insurance required in Charleston, SC follows the state’s requirements, which are 25/50/25.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.