Cheap Auto Insurance Quotes in Charleston, SC (2021)

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Welcome to Charleston. All American City.

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. 

Car Insurance in Charleston, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Charleston, SC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Charleston, SC

Here are the cheapest carriers in Charleston for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Charleston, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Charleston. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Charleston, SC Driving Facts

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage
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Charleston Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$671
20s$379
30s$301
40s$305
50s$375
60s$246
70s$234
80s$301
Driving HistoryAvg. Monthly Cost
No Violation$312
Speeding Ticket$401
At-Fault Accident$395
Failure to Stop for Red Light / Stop Sign$454

Charleston Car Insurance Rates by Driving and Accident History

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.

Charleston Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$349
Good$292
Average$350
Poor$371

Charleston DMV Information

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.

Public Transit in Charleston

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.

Conclusion: How to get the best and cheapest car insurance in Charleston

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.

Find local Charleston agents

Taylor Agency 
147 Wappoo Creek Drive, Charleston, SC 29412
The Steadman Agency 
40 Calhoun Street Suite 215, Charleston, SC 29401
Moulton & Sheally Insurance-Charleston 
821 Orleans Rd, Charleston, SC 29407
C T Lowndes & Company 
749 St Andrews Blvd, Charleston, SC 29407
Pinckney-Carter Company 
1956 Remount Rd, Charleston, SC 29406-3271
Anderson Insurance Associates 
3491 Shelby Ray Court , Charleston, SC 29414
Harrell Insurance Agency 
2000 Sam Rittenberg Blvd, Charleston, SC 29407
Pilothouse Insurance 
1527 Sam Rittenberg Blvd., Ste. 204, Charleston, SC 29407
McKenna Agency Inc 
1032 Savannah Hwy, Charleston, SC 29407
Triest Agency 
1052 Gardner Road, Charleston, SC 29407

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Charleston stacks up for the state of South Carolina:

honda
Honda Accord
Most Popular Car in
Charleston, SC
suspended licenses
#49
Cities with Most
Suspended Licenses Rank

FAQs - Charleston, SC Car Insurance

What are the penalties of driving uninsured in Charleston?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and South Carolina state SR-22 requirements.

What are the required insurance needs of South Carolina drivers?

To legally drive in South Carolina, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

Which company offers the cheapest auto insurance quotes in Charleston?

The best way to get the cheapest car insurance in Charleston and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.