Cheapest Auto Insurance in Charleston, South Carolina (2026)
USAA offers the cheapest car insurance in Charleston, with minimum-coverage policies as low as $78 per month.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byKatie Powers
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Charleston drivers pay an overall average of $220 per month for auto insurance — higher than the South Carolina statewide average of $193. The historic city, situated where the Cooper and Ashley rivers converge into Charleston Harbor, draws ample visitors each year, and the added traffic likely contributes to the city’s higher car insurance costs.
Here’s what you should know about comparing quotes to save on car insurance costs in Charleston.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest car insurance in Charleston.
Charleston drivers pay an average of $188 per month for liability-only auto insurance and $251 per month for full coverage.
South Carolina requires all drivers, including those in Charleston, to carry at least a minimum amount of liability insurance, plus uninsured motorist coverage.
3 of the cheapest car insurance companies in Charleston
Your specific financial situation and insurance needs will influence what company works best for you. The following table outlines the three cheapest options in Charleston, South Carolina, and who these companies work best for.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $107 | $69 | Cheap rates |
| State Farm | 9.3 | $118 | $76 | Teen drivers |
| Auto-Owners | 8.2 | $114 | $74 | Classic-car owners |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $121/mo |
4.9
Best choiceBased on 2,735 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,408)
James
Verified Review
Great service and well laid out.
Reviewed in Kentucky on January 2026
I had them before and I can’t remember why I left. But I'm happy to be back.
Peter
Verified Review
USAA is the finest insurance company I have ever been with.
Reviewed in Tennessee on January 2026
I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.
Robert
Verified Review
USAA is a pretty good company!
Reviewed in Oklahoma on January 2026
USAA has been really good on the car side but needs a little more attention when you have a possible home issue. They, however, did lower our rates when I asked them for some help on that particular subject. Maybe I should have given them four stars instead of five, but I took everything into consideration and decided they deserved five stars! We have been with them for over five years, so I just thought back on how it has been over the last five years, and I can honestly say I haven’t had any problems!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers some of the cheapest average auto rates in Charleston, but the company only sells insurance to members of the military community, including active-duty, reserve, veterans and immediate family members. The company provides liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage to its members.
You can save even more by bundling your policy with home or renters insurance. Plus, good drivers can take advantage of the USAA SafePilot program to save up to 30% on auto insurance.
Pros
Variety of discounts
Highly rated mobile app
Cons
Coverage only available to members of the military community
Gap insurance not available
Best insurer for teen drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $133/mo |
4.1
Best choiceBased on 14,010 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,869)
Shawn
Verified Review
Great customer service, at a price.
Reviewed in Utah on January 2026
Great local agents and customer service. They truly care about their customers, but they are more expensive than some other insurers.
Eva
Verified Review
High Costs and Misleading Discounts
Reviewed in South Carolina on January 2026
The insurance is too expensive, and the discounts are not what they claim to be.
Dennis
Verified Review
State Farm 40+ Years Customer
Reviewed in Florida on January 2026
I have had State Farm for over 40 years. No accidents, no tickets. I drive less than 7k per year, only for pleasure driving, because I work from home. Before COVID-19, we paid around $1,400 per year for two vehicles. Today, this is $2,500 per year. I could understand if we were bad drivers, but only a windshield replacement 5 years ago is our only claim. I am ready to move to a company that recognizes good drivers and gives breaks because we are good drivers. Throw in condo walls insurance too.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
One of the best-known auto insurance companies in the U.S., State Farm is an affordable option for Charleston drivers. The company offers more coverage options than most insurers, including roadside assistance, rideshare insurance, rental insurance, and uninsured/underinsured motorist coverage.
The company has high customer claims satisfaction ratings and provides a seamless experience through its mobile app. State Farm is one of the best options for teen drivers; you can save up to 25% with a good student discount until you turn 25.
Pros
Above-average claims satisfaction J.D. Power score
Best option for teenage drivers
Cons
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Fewer discounts than some competitors
Best insurer for classic-car owners: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $129/mo |
4.3
Best choiceBased on 284 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (140)
Brenda
Verified Review
Discouraged
Reviewed in Iowa on January 2026
They increased their price in the last six months for my monthly premium. I believe I should have received a discount given how long I have been with them and my agent.
Peter
Verified Review
Auto Owners
Reviewed in Florida on January 2026
Shop around, compare cost and performance.
Mickie
Verified Review
I prefer to discuss my problems with Insutrify
Reviewed in South Dakota on January 2026
I would like many more quotes and printed copies of those quotes so that I could make more informed decisions. At present, all I'm given is 'this one is cheaper' and 'this is the price if you combine home insurance.'
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is only available in 26 states, including South Carolina. The company offers quality coverage for drivers with different vehicle types, such as classic cars. And if you’ve modified your car to accommodate a wheelchair lift, the company can provide coverage.
Pros
Provides specialized coverage for classic cars
Wide variety of insurance products, with the option to bundle
Cons
Must contact an independent agent to receive a quote
Below-average claims satisfaction J.D. Power score[1]
How to get the cheapest car insurance in Charleston
With so many different companies available, it’s challenging to know which offers the best rates and coverage for your situation.
Here’s how to get cheap car insurance in Charleston:
Choose a higher deductible. A deductible is the amount you’ll pay before your insurance coverage kicks in on a claim. In general, setting a higher deductible results in lower insurance premiums.
Bundle your policies. Most insurance companies will offer you a discount for bundling different insurance policies together. For example, you can save on each policy by bundling your homeowners or renters insurance with auto insurance.
Take advantage of discounts. Always inquire about what other discounts your insurance company offers. For example, you may qualify for a low-mileage discount if you don’t spend much time on the road.
Compare car insurance rates. The best way to save on insurance is by shopping around among different insurers.[2] You can use an online comparison tool to compare rates from multiple insurance companies at once.
Find Cheap Car Insurance in Charleston
Liability rates start at $78 per month
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4.8/5
Cheapest liability-only car insurance in Charleston: USAA
If you purchase liability-only car insurance, your insurer will pay for damages to the other driver. Liability insurance covers the other driver’s medical injuries and vehicle damages but doesn’t cover you.[3]
Many people choose liability-only insurance to save money on car insurance. Liability-only policies work best for drivers with paid-for, older, less-expensive vehicles. Charleston drivers pay a monthly average of $188 for liability-only policies.
The table below highlights the cheapest liability rates in Charleston.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $78 |
| Auto-Owners | $83 |
| State Farm | $87 |
| Nationwide | $127 |
| GEICO | $129 |
| Allstate | $135 |
| Progressive | $135 |
| Travelers | $145 |
| Safeco | $158 |
| State Auto | $176 |
| National General | $177 |
| Root | $179 |
| Direct Auto | $192 |
| Dairyland | $193 |
| The General | $215 |
| GAINSCO | $221 |
| Liberty Mutual | $243 |
| AssuranceAmerica | $252 |
| Bristol West | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Charleston: USAA
While liability coverage only protects the other driver, full-coverage insurance protects you as well. Though more expensive, these policies typically include liability, comprehensive, and collision coverage.
Full coverage is the best option for drivers who want the most protection possible — especially drivers with new or high-value vehicles. If you lease or finance your vehicle, your lender or leasing company will require you to carry full-coverage car insurance. In Charleston, full-coverage car insurance averages $251 per month.
Below, you'll find the cheapest full-coverage policies in Charleston.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $121 |
| Auto-Owners | $129 |
| State Farm | $133 |
| GEICO | $180 |
| Nationwide | $196 |
| Safeco | $203 |
| Allstate | $207 |
| Progressive | $210 |
| Travelers | $223 |
| Direct Auto | $260 |
| National General | $261 |
| Root | $266 |
| State Auto | $271 |
| Liberty Mutual | $344 |
| AssuranceAmerica | $366 |
| The General | $394 |
| GAINSCO | $414 |
| Dairyland | $423 |
| Bristol West | $461 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Charleston, South Carolina
Recent Charleston, South Carolina car insurance prices for Hyundai, Toyota, Lexus , and more.
*Quotes generated for Insurify users in and around Charleston, South Carolina within the last 10 days. Last updated on January 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Charleston, South Carolina within the last 10 days. Last updated on January 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
South Carolina drivers must carry liability and uninsured motorist coverage to drive legally in the state.[4] Here’s a breakdown of the state minimum coverage requirements.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist | Equal to the minimum amounts of liability coverage (25/50/25) |
If you want more than liability coverage, you should consider purchasing the following optional coverages:
Collision coverage
If you have an at-fault collision with another vehicle or stationary object, like a tree or light pole, collision insurance covers your vehicle damages. It also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance provides vehicle protection in the event of non-collision incidents, including damage from vandalism, theft, severe weather, and more.
Underinsured motorist coverage
Underinsured motorist coverage protects you if you have an accident with someone who doesn’t have insurance or doesn’t have enough coverage to pay for your medical expenses and vehicle damage. Keep in mind that uninsured motorist coverage is required in the state.
Cheapest car insurance for drivers with an incident
People with a history of driving incidents can expect to pay more for car insurance than someone with a clean record. Driving incidents include at-fault accidents, speeding tickets, driving under the influence (DUIs), and other moving violations.
“Typically, a driver who incurs a speeding ticket or is involved in an at-fault accident will face a surcharge on their insurance premium for a minimum of three years,” explains Mark Friedlander, director of communications at the Insurance Information Institute.
Find Cheap Car Insurance in Charleston
Monthly rates start at $97 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding is a form of reckless driving that can lead to accidents, so if you receive a speeding ticket, your premiums will likely increase. A speeding ticket can stay on your record for 3-5 years.[5]
For Charleston-based drivers, the average cost of car insurance with a speeding ticket is $298 per month for full coverage and $223 for liability only. If you’ve received a speeding ticket, here are the cheapest insurers to choose from in Charleston.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $78 | $98 |
| Auto-Owners | $83 | $105 |
| State Farm | $87 | $107 |
| Nationwide | $127 | $160 |
| GEICO | $129 | $164 |
| Allstate | $135 | $171 |
| Progressive | $135 | $160 |
| Travelers | $145 | $183 |
| Safeco | $158 | $203 |
| State Auto | $176 | $228 |
| National General | $177 | $214 |
| Root | $179 | $232 |
| Direct Auto | $192 | $234 |
| Dairyland | $193 | $233 |
| The General | $215 | $279 |
| GAINSCO | $221 | $256 |
| Liberty Mutual | $243 | $301 |
| AssuranceAmerica | $252 | $312 |
| Bristol West | $271 | $331 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
At-fault accidents will cause your insurance premiums to increase even more than receiving a speeding ticket. When you’re involved in an accident, you have to file a claim, which makes you more expensive to insure. Drivers with an at-fault accident on their Charleston driving record pay average car insurance costs of $325 per month for full coverage and $244 for liability only.
If you’re involved in multiple accidents, your insurance company can decide not to renew your policy.[6] Here are the cheapest insurers for an at-fault accident.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $78 | $103 |
| Auto-Owners | $83 | $108 |
| State Farm | $87 | $113 |
| Nationwide | $127 | $168 |
| GEICO | $129 | $165 |
| Allstate | $135 | $178 |
| Progressive | $135 | $175 |
| Travelers | $145 | $192 |
| Safeco | $158 | $219 |
| State Auto | $176 | $237 |
| National General | $177 | $232 |
| Root | $179 | $235 |
| Direct Auto | $192 | $259 |
| Dairyland | $193 | $251 |
| The General | $215 | $292 |
| GAINSCO | $221 | $280 |
| Liberty Mutual | $243 | $320 |
| AssuranceAmerica | $252 | $332 |
| Bristol West | $271 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
If you’re caught driving under the influence of drugs or alcohol in South Carolina, you’ll face fines and penalties. For example, you could receive a $400 fine and possible imprisonment for your first offense in South Carolina. Plus, you may have your driver’s license and vehicle registration suspended for up to six months.[7]
A DUI is the most serious moving violation a driver could incur. “In South Carolina, a DUI stays on your motor vehicle record for 10 years,” says Friedlander. “That means you could be facing substantial costs for car insurance throughout that period.”
Charleston drivers with a DUI on their record pay an average of $404 per month for full coverage and $303 for liability only. Here are the cheapest car insurance options after a DUI in Charleston.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $78 | $120 |
| Auto-Owners | $83 | $128 |
| State Farm | $87 | $134 |
| Nationwide | $127 | $196 |
| GEICO | $129 | $197 |
| Allstate | $135 | $208 |
| Progressive | $135 | $217 |
| Travelers | $145 | $223 |
| Safeco | $158 | $260 |
| State Auto | $176 | $271 |
| National General | $177 | $273 |
| Root | $179 | $277 |
| Direct Auto | $192 | $296 |
| Dairyland | $193 | $297 |
| The General | $215 | $331 |
| GAINSCO | $221 | $340 |
| Liberty Mutual | $243 | $374 |
| AssuranceAmerica | $252 | $388 |
| Bristol West | $271 | $417 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
In Charleston, seniors pay lower rates, on average, for auto insurance than some younger drivers. Rates begin decreasing around age 35, but they start to increase again around age 70 due to enhanced accident risk and higher probability of accident-caused injuries.
The average rate for full coverage for Charleston seniors is $221 per month, and liability-only policies average $166 per month. Here are the cheapest insurance companies for Charleston seniors.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $100 | $64 |
| Auto-Owners | $104 | $67 |
| State Farm | $106 | $69 |
| GEICO | $145 | $104 |
| Nationwide | $152 | $99 |
| Allstate | $171 | $111 |
| Safeco | $179 | $140 |
| Travelers | $180 | $117 |
| Progressive | $185 | $119 |
| National General | $208 | $141 |
| State Auto | $209 | $136 |
| Direct Auto | $212 | $156 |
| Root | $226 | $152 |
| Liberty Mutual | $290 | $205 |
| AssuranceAmerica | $291 | $200 |
| The General | $334 | $182 |
| GAINSCO | $355 | $189 |
| Dairyland | $363 | $166 |
| Bristol West | $387 | $228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers pay the highest rates for auto insurance due to their inexperience. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[8]
Teenage drivers can save money on car insurance in a few ways. For example, you can get a discount for maintaining good grades, and staying on your parents’ car insurance will earn you lower rates.
Average car insurance rates for Charleston teen drivers are priced at $477 for full coverage and $357 for liability only. Here are the cheapest car insurance companies for teen drivers in Charleston.
The below rates are estimated rates current as of: Monday, January 19 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $229 | $148 |
| State Farm | $263 | $172 |
| Auto-Owners | $264 | $170 |
| GEICO | $331 | $238 |
| Nationwide | $391 | $253 |
| Progressive | $399 | $256 |
| Allstate | $418 | $273 |
| Safeco | $418 | $325 |
| Travelers | $471 | $306 |
| Root | $473 | $318 |
| Direct Auto | $515 | $381 |
| National General | $539 | $365 |
| Liberty Mutual | $621 | $439 |
| State Auto | $672 | $436 |
| The General | $706 | $385 |
| Dairyland | $728 | $332 |
| AssuranceAmerica | $765 | $527 |
| GAINSCO | $782 | $417 |
| Bristol West | $841 | $495 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Keep Reading: What Are the Best Cars for Teens to Drive?
Charleston car insurance quotes by credit tier
Your credit history can either help or hurt your insurance premiums in Charleston because South Carolina law allows insurers to create a credit-based insurance score when evaluating your auto insurance application. Statistically, people with excellent or good credit are less likely to file an insurance claim. In contrast, poor credit indicates you’re more likely to file a claim.[9]
Here’s what you can expect to pay on average for full coverage in Charleston based on your credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Charleston?
Car insurance in Charleston is slightly higher than the state average. The overall average for Charleston residents is $220 per month, while the state’s overall average is $193. Car insurance rates can vary by city in South Carolina depending on that city’s rate of vandalism, theft, and accidents. Rates even vary by ZIP code.
Drivers in cities with higher rates of severe weather and insurance fraud tend to pay more for car insurance as well.
More cities in South Carolina
Here’s how Charleston rates compare to some other South Carolina cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Columbia | $252 | $177 |
| Greenville | $218 | $160 |
| Lexington | $223 | $156 |
| Myrtle Beach | $213 | $160 |
| North Charleston | $249 | $198 |
| Rock Hill | $229 | $156 |
| Summerville | $252 | $187 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Charleston car insurance FAQs
If you still have questions about finding car insurance in Charleston, the following information should help you navigate the process.
How much is car insurance in Charleston?
The average cost of car insurance in Charleston is $220 per month. Drivers pay $78 per month for liability coverage and $121 per month for full coverage. Your rates ultimately depend on your driving record, credit history, marital status, age, location, and more.
Which company has the cheapest car insurance in Charleston?
USAA, Auto-Owners, and State Farm provide the cheapest auto coverage in Charleston. Their monthly liability rates start at $78, $83, and $87, respectively. Shopping around for coverage from different auto insurance companies is one of the best ways to find savings.
What are the best car insurance companies in Charleston?
Based on IQ Scores, the best car insurance companies in Charleston are State Farm (9.3), USAA (9.1), and Auto-Owners (8.2). State Farm has an AM Best financial strength rating of A++ (Superior), solid claims satisfaction, and affordable coverage.
Is car insurance expensive in Charleston?
At $220 per month, car insurance in Charleston is more expensive than the national average. Across the country, drivers pay $137 per month. Specifically, U.S. drivers pay $175 per month for full coverage and $99 for liability coverage. Drivers in nearby North Carolina pay much cheaper rates, at $78 per month.
But the liability limits in the Tar Heel State are increasing on July 1, 2025, which will raise the average cost of coverage.
How much car insurance do you need in South Carolina?
The minimum liability insurance in South Carolina includes $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. Car owners also need to purchase uninsured motorist coverage with coverage levels equal to liability coverage requirements.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "Reckless Behavior on the Roads Is Dangerous and Can Mean Higher Auto Insurance Rates for Drivers."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- South Carolina Department of Public Safety. "SC Laws Relative to Impaired Driving."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
- Insurance Information Institute. "Credit and insurance scores."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.