Cheapest Auto Insurance in Charleston, South Carolina (2024)

USAA offers the cheapest car insurance in Charleston, with minimum-coverage policies as low as $60 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

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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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated June 12, 2024

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Cheapest recent rates near Charleston, South Carolina

Recent Charleston, South Carolina car insurance prices for Ford, Dodge, Hyundai , and more.

*Quotes generated for Insurify users in and around Charleston, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Charleston drivers pay an average of $264 per month for auto insurance — slightly higher than the South Carolina average of $221. 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 $207 per month for liability-only auto insurance and $322 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.7$85$50Cheap rates
State Farm4.6$94$56Teen drivers
Auto-Owners4.3$92$54Classic-car owners
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$60/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.
$102/mo

USAA offers some of the cheapest average auto rates in Charleston, but the company only sells insurance to active-duty, reserve, and retired military members and their families. The company provides liability coverage, collision coverage, comprehensive coverage, and uninsured 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 military members, veterans, and their families

  • Gap insurance not available

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$66/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.
$112/mo

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 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 available

  • Low customer satisfaction rating

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for classic-car owners: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$65/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.
$109/mo

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 agent to receive a quote

  • Below-average claims satisfaction J.D. Power score[1]

Read our Auto-Owners review
Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Lawrence - June 3, 2024
Verified

Rate Review

I have no complaints. I'm just looking for lower payments. Both my vehicles are paid off, but they are well worth keeping full coverage. In the research I have done, I have found nobody with a better rate, most of the time even much higher than I'm paying with you. Hopefully, all rates will come down soon. I'm retired and living on a fixed income, so I'm trying to make the best of everything. I won't be leaving you anytime soon. Thank you for the concern.

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 by bundling your homeowners or renters insurance with auto insurance.

  • Take advantage of discounts. Always inquire about what 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 $60 per month

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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. Charleston drivers pay a monthly average of $207 for liability-only policies.

The table below highlights the cheapest liability rates in Charleston.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA60
Auto-Owners65
State Farm66
GEICO72
Safeco96
Nationwide98
Allstate103
Travelers112
Midvale Home & Auto128
Progressive132
State Auto136
Direct Auto158
Liberty Mutual178
Dairyland186
The General212
National General218
AssuranceAmerica252
Bristol West253
GAINSCO288
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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. This policy typically includes 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 $322 per month.

Below, you'll find the cheapest full-coverage policies in Charleston.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA102
Auto-Owners109
State Farm112
GEICO120
Safeco160
Nationwide166
Allstate175
Travelers188
State Auto198
Progressive211
Midvale Home & Auto222
Direct Auto264
AssuranceAmerica296
Liberty Mutual319
National General320
The General378
Dairyland409
Bristol West438
GAINSCO498
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Charleston, South Carolina drivers

Drivers in and around Charleston, South Carolina have found policies from State Farm, Allstate, Direct Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Charleston, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motoristEqual 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have a collision with another vehicle or object, collision insurance covers your vehicle damages, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides vehicle protection in the event of non-collision incidents, including damage from vandalism, theft, severe weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/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.

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 $76 for drivers with an incident

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Based on 3,806+ reviews
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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 three years or more.[5]

For Charleston-based drivers, the average cost of car insurance with a speeding ticket is $483 per month for full coverage and $311 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA6080
Auto-Owners6587
State Farm6687
GEICO7296
Safeco96130
Nationwide98132
Allstate103137
Travelers112150
Midvale Home & Auto128176
Progressive132176
State Auto136196
Direct Auto158212
Liberty Mutual178261
Dairyland186249
The General212286
National General218284
AssuranceAmerica252343
Bristol West253335
GAINSCO288422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $493 per month for full coverage and $317 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA6083
Auto-Owners6590
State Farm6691
GEICO72100
Safeco96129
Nationwide98137
Allstate103143
Travelers112156
Midvale Home & Auto128187
Progressive132186
State Auto136207
Direct Auto158223
Liberty Mutual178269
Dairyland186257
The General212299
National General218301
AssuranceAmerica252350
Bristol West253345
GAINSCO288386
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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 $557 per month for full coverage and $358 for liability only. Here are the cheapest car insurance options after a DUI in Charleston.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA60103
Auto-Owners65111
State Farm66113
GEICO72123
Safeco96164
Nationwide98167
Allstate103176
Travelers112191
Midvale Home & Auto128219
Progressive132226
State Auto136232
Direct Auto158270
Liberty Mutual178304
Dairyland186318
The General212362
National General218373
AssuranceAmerica252431
Bristol West253432
GAINSCO288492
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

The average rate for full coverage for Charleston seniors is $251 per month, and liability-only policies average $161 per month. Here are the cheapest insurance companies for Charleston seniors.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA7946
Auto-Owners8349
State Farm8450
GEICO9356
Nationwide12071
Safeco12675
Allstate13680
Travelers14385
Progressive14692
State Auto148102
Midvale Home & Auto16495
Direct Auto198118
AssuranceAmerica217185
Liberty Mutual246137
National General249169
The General300168
Dairyland318144
Bristol West341197
GAINSCO397229
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $583 for full coverage and $375 for liability only. Here are the cheapest car insurance companies for teen drivers in Charleston.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA170100
Auto-Owners188112
GEICO189114
State Farm190112
Nationwide284168
Allstate307181
Safeco334200
Travelers339202
State Auto352242
Progressive383239
Midvale Home & Auto387223
Direct Auto483289
AssuranceAmerica551469
Liberty Mutual593331
National General604412
The General614344
Dairyland687312
Bristol West748432
GAINSCO892516
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep Reading: What Are the Best Cars for Teens to Drive?

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 consider credit histories when evaluating your auto insurance application. Statistically, people with excellent or good credit scores are less likely to file an insurance claim. In contrast, a poor credit score 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 $264 per month, while the state’s overall average is $221. 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.

CityFull CoverageLiability Only
Columbia$283$178
Greenville$236$165
Lexington$245$158
Myrtle Beach$201$144
North Charleston$356$231
Rock Hill$293$188
Summerville$329$210
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $264 per month. Drivers pay $60 per month for liability coverage and $102 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 $60, $65, and $66, 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 (4.6), USAA (4.7), and Auto-Owners (4.3). 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 $264 per month, car insurance in Charleston is more expensive than the national average. Across the country, drivers pay $160 per month. Specifically, U.S. drivers pay $215 per month for full coverage and $105 for liability coverage. Drivers in nearby North Carolina pay much cheaper rates, at $80 per month.

  • 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  2. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. South Carolina Department of Insurance. "Automobile Insurance."
  5. Insurance Information Institute. "Reckless Behavior on the Roads Is Dangerous —and Can Mean Higher Auto Insurance Rates for Drivers."
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  7. South Carolina Department of Public Safety. "SC Laws Relative to Impaired Driving."
  8. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
  9. Insurance Information Institute. "Credit and insurance scores."
Jamie Johnson
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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