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Cheap Auto Insurance Quotes in Charleston, SC (May 2022)
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Car travel is the main mode of transportation for over 130,000 Charleston residents.
Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Charleston. Search and save on the best car insurance policies in Charlreston today.
All motor vehicles operated or parked on South Carolina roadways are required to be insured.
Bodily injury liability coverage
property damage liability coverage
Drivers in Charleston with minimal experience behind the wheel find that they pay the most for car insurance, as those under the age of 20 are charged an average of $670. Once residents reach their 20s, rates drop considerably with savings of about $300. Premiums continue to steadily decline as Charleston drivers get older; however, those in their 80s often pay slightly more than other seniors, with rates right around $300.
|Driver's Age||Avg. Monthly Cost|
Motorists in Charleston looking to pay the lowest rates for their car insurance should make an effort to keep their driving records free from any incidents. Those who manage this pay around $311, while motorists caught speeding see their rates jumping up to $400. An at-fault accident will affect one’s premiums similarly, and failing to stop at an intersection provides the biggest financial hit, with prices moving up to $453 on average.
|Driving History||Avg. Monthly Cost|
|Failure to Stop for Red Light / Stop Sign||$454|
Residents in Charleston tend to have good or average credit and pay around $291 and $349, respectively, for their car insurance coverage. Surprisingly, falling into a different credit tier won’t make much of a difference in this city, as rates are determined by a range of other factors. Individuals with poor credit are often charged $370, while those who fall into the excellent category see their premiums average at $348.
|Credit Tier||Avg. Monthly Cost|
There is one major DMV outpost in the city of Charleston, located on Lockwood Boulevard. Here, residents can change their address, obtain a driver's license, and complete vehicle registrations. The DMV is open from 8:30 AM to 5 PM with special morning and evening hours on weekends. You may be able to skip the lines and access what you need via the online portal.
CARTA, the Charleston Regional Transporation Authority, operates the public transportation system, offering residents and visitors several means of transport around the city. CARTA has bus stops around the city on nearly every block, connecting surrounding cities to downtown Charleston. And of course, Charleston offers ridesharing services like Uber and Lyft, plus traditional taxis. Even with these services available, most Charleston Residents drive cars in and around the city.
As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.
Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 9.4 percent of vehicles driving uninsured throughout South Carolina, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Charleston, South Carolina below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Charleston drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Charleston
City with the Most Speeding Tickets Rank in South Carolina
City with the Most Moving Violations Rank in South Carolina
City with the Most DUIs Rank in South Carolina
City with the Most Suspended Licenses in South Carolina
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Charleston drivers rank 7 in the number of car accidents per driver across all cities in South Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Charleston drivers rank 13 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Charleston drivers rank 1 in the number of DUI’s per driver across all cities in South Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Charleston drivers rank 20 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Charleston drivers rank 29 in clean driving records across all cities in South Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Charleston drivers rank 27 in failure to yield violations per driver across all cities in South Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Charleston drivers rank 9 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Charleston is the Honda Accord.
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.