Cheapest Auto Insurance in North Charleston, South Carolina (2025)
With a monthly liability-only rate of $79, USAA is the cheapest car insurance company in North Charleston.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Updated
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Table of contents
The overall average cost of car insurance in North Charleston, South Carolina, is $231 per month. Drivers in North Charleston pay significantly more for auto insurance than the U.S. national average of $138 per month.
North Charleston’s coastal location means the city is susceptible to hurricanes and flooding, which makes the cost of car insurance more expensive than in areas with fewer weather risks.
Here’s what you need to know about comparing car insurance quotes and finding cheap car insurance in North Charleston.
Quick Facts
North Charleston drivers pay an average of $202 per month for liability-only coverage and $259 per month for full coverage.
The average teen in North Charleston pays $397 per month for car insurance.
USAA, Auto-Owners, and State Farm offer the cheapest liability-only policies in North Charleston.
3 of the cheapest car insurance companies in North Charleston
North Charleston, South Carolina, drivers have many options for car insurance. But the best insurance company for you depends on your unique driver profile, coverage needs, and budget. The three insurers below are a good place to start your search.
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 | $104 | $68 | Military families |
| Auto-Owners | 8.2 | $112 | $73 | Customizable coverage |
| State Farm | 9.3 | $115 | $75 | Discounts |
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 military families: 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. | $79/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. | $120/mo |
4.9
Best choiceBased on 2,391 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 (1,307)
David
Verified Review
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Reviewed in North Carolina on November 2025
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Romeo
Verified Review
Just okay, it's not worth the money I spend monthly to insure 2 vehicles and a house!
Reviewed in Texas on November 2025
It's too expensive, period, and for being with a company since 1992, you would think that they would be willing to give me a discount for all the years that I have been with the business!
Tameika
Verified Review
Why I Chose to Leave USAA After 17 Years
Reviewed in California on November 2025
USAA insurance company is great for filing claims quickly and easily. They pay claims promptly and are super helpful. However, when it comes to truly caring about their members, it's disappointing. I have credit cards, bank accounts, my car loan, and car insurance all under USAA. Personally, after battling cancer and health issues, getting USAA to show compassion for my situation was nonexistent. They only seem to care about active duty members, which is the only group they will help in a financial crisis. For that reason, I am really disappointed in USAA as a whole. I think for the money, it's not worth it. There are other companies that will insure my car just the same for cheaper. I don't need to carry the USAA brand and overpay when they won't do anything for a member going through something catastrophic.
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
For drivers stationed at one of the military bases near North Charleston, USAA is a great choice for car insurance. USAA exclusively sells car insurance to active-duty and retired service members and their immediate family members. USAA has the lowest car insurance rates in North Charleston and offers a variety of discounts for additional savings.
The company also has some of the best third-party ratings for overall customer satisfaction and claims satisfaction, as well as superior financial strength.
Pros
Safe drivers can save up to 30% with the SafePilot program
Highly rated mobile app
Cons
Only available to active-duty military members, veterans, and their families
Few add-on coverages
Best insurer for customizable coverage: 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. | $85/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. | $130/mo |
4.3
Best choiceBased on 256 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 (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
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 the best car insurance company in North Charleston for drivers who want to customize their auto policy. The company offers a big selection of endorsements, including gap insurance, diminished value coverage, additional expense coverage, accident forgiveness, a common loss deductible, rental car coverage, and several others.
Auto-Owners also offers excellent discounts. But it conducts business through independent agents, so customers can’t get a quote or purchase a policy online.
Pros
Good selection of available endorsements
Many available discounts
Cons
Can’t buy a policy online
Below-average J.D. Power customer satisfaction rating in the Southeast region
Best insurer for discounts: 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. | $88/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 12,477 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 (6,486)
Michael
Verified Review
Excellent
Reviewed in Wisconsin on November 2025
Love being able to get a bundle price with them, also rental assistance and roadside assistance.
Laura
Verified Review
Stand your ground on what coverage you want and don’t let an agency, like Progressive, tell you they won’t sell you what you want.
Reviewed in North Carolina on November 2025
Stand your ground on what coverage you want and don’t let an agency, like Progressive, tell you they won’t sell you what you want.
Donna
Verified Review
Auto Insurance
Reviewed in Alabama on November 2025
The policy is fine.
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
Drivers in North Charleston pay above-average rates for car insurance, but State Farm offers a big selection of discounts that can help you save money. State Farm has more than 10 discounts available in South Carolina, with savings for good students, accident-free clients, taking a driver training course, insuring multiple vehicles, insuring a car with safety features, and more.
The company also has two safe driver rewards programs that offer savings when you enroll and demonstrate good driving habits.
Pros
Many discounts for additional savings
Above-average J.D. Power customer satisfaction rating in the Southeast region
Cons
Few available endorsements
Traditional gap insurance not available
How to get the cheapest car insurance in North Charleston
You have a variety of ways to get cheap car insurance in North Charleston. Here are some tips for reducing your car insurance costs:[1]
Choose higher deductibles. For collision and comprehensive coverage, which require deductibles, choosing a higher deductible amount will lower your monthly premium.
Take advantage of discounts. Most car insurance companies in North Charleston offer discounts that can help reduce your car insurance costs.
Bundle your policies. You can often get a generous discount for bundling multiple insurance products, like car insurance with home insurance, renters insurance, or life insurance.
Get new car insurance quotes. Get new quotes every time your policy renews, or after a major event, like getting into an accident or adding a teen driver to your policy, to make sure you’re always paying the lowest rate possible.
Shop around. Car insurance companies charge different rates for the same type and amount of coverage. Compare quotes from a few insurers to find the best rate for your situation.
Find Cheap Car Insurance in North Charleston
Monthly liability quotes start at $79
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest liability-only car insurance in North Charleston: USAA
Liability-only insurance covers your financial responsibilities when you cause an accident that results in someone else’s injuries or property damage. It doesn’t provide any insurance coverage for your injuries or your vehicle after an accident.
In North Charleston, the average cost of liability-only insurance is $202 per month. But some companies have cheaper rates than others. In the table below, you can see which companies have the cheapest car insurance in North Charleston for liability-only insurance.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $79 |
| Auto-Owners | $85 |
| State Farm | $88 |
| Progressive | $126 |
| Nationwide | $128 |
| Allstate | $137 |
| Travelers | $147 |
| GEICO | $148 |
| Safeco | $166 |
| State Auto | $177 |
| Root | $182 |
| National General | $183 |
| Direct Auto | $195 |
| Dairyland | $196 |
| The General | $219 |
| GAINSCO | $242 |
| Liberty Mutual | $246 |
| Bristol West | $266 |
| AssuranceAmerica | $272 |
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 North Charleston: USAA
Full-coverage car insurance provides more protection than liability-only insurance. It usually provides higher coverage limits for liability insurance, plus collision insurance, comprehensive insurance, and medical payments insurance. Full coverage kicks in when you get into an accident and need to pay for your medical bills or vehicle repairs.
The average monthly premium for full-coverage car insurance in North Charleston is $259. If you shop around, you may find insurers that offer lower rates. Below, you can see the cheapest companies for full-coverage insurance in North Charleston.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $120 |
| Auto-Owners | $130 |
| State Farm | $133 |
| Nationwide | $196 |
| GEICO | $197 |
| Progressive | $202 |
| Allstate | $208 |
| Safeco | $214 |
| Travelers | $224 |
| National General | $265 |
| Direct Auto | $267 |
| State Auto | $272 |
| Root | $285 |
| Liberty Mutual | $355 |
| AssuranceAmerica | $396 |
| The General | $400 |
| Dairyland | $426 |
| GAINSCO | $445 |
| Bristol West | $460 |
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 North Charleston, South Carolina
Recent North Charleston, South Carolina car insurance prices for Scion, Nissan, Subaru , and more.
*Quotes generated for Insurify users in and around North Charleston, South Carolina within the last 10 days. Last updated on November 20, 2025. 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 November 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around North Charleston, South Carolina within the last 10 days. Last updated on November 20, 2025. 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 November 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
Car insurance is a legal requirement in South Carolina. Vehicle owners must carry liability insurance and uninsured motorist liability insurance with minimum-coverage limits of 25/50/25.[2] But insurance experts typically recommend purchasing more liability insurance than the minimum that’s required.
When it comes to car insurance laws, South Carolina is an at-fault state. In the event of an accident, the at-fault driver is responsible for compensating the other person for their bodily injuries and property damage losses.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury liability | $25,000 per person / $50,000 per accident |
| Uninsured motorist property damage liability | $25,000 per accident |
In addition to the required coverages, many drivers in South Carolina can benefit from adding optional coverages to their policy. Some of the most common add-on coverage options include:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage applies when you get into an accident with a driver who doesn’t have insurance or doesn’t have enough car insurance to cover your losses in full.
Accident forgiveness coverage
Some car insurance companies offer accident forgiveness coverage, which waives your first at-fault collision so it doesn’t cause your premium to go up.
Roadside assistance coverage
Roadside assistance coverage pays for basic roadside repairs and services, like flat-tire changes, fuel delivery, and towing.
Rental car reimbursement coverage
If your car needs repair after a covered incident, rental car reimbursement will cover the cost of a rental vehicle.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record — such as at-fault accidents, speeding tickets, and other moving violations — often pay higher insurance rates than people with a clean record.[3] Insurers view drivers with violations as riskier to insure and generally charge them more for car insurance. The most serious infractions, like driving under the influence (DUI), usually have the biggest effect on the cost of car insurance.
In the table below, you can see how different driving incidents affect your car insurance rates.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $79 | $98 | $102 | $122 |
| Auto-Owners | $85 | $107 | $109 | $131 |
| State Farm | $88 | $108 | $113 | $136 |
| Progressive | $126 | $150 | $161 | $203 |
| Nationwide | $128 | $160 | $167 | $197 |
| Allstate | $137 | $171 | $177 | $211 |
| Travelers | $147 | $184 | $191 | $226 |
| GEICO | $148 | $188 | $185 | $223 |
| Safeco | $166 | $213 | $228 | $271 |
| State Auto | $177 | $227 | $233 | $273 |
| Root | $182 | $235 | $233 | $278 |
| National General | $183 | $222 | $237 | $282 |
| Direct Auto | $195 | $239 | $260 | $300 |
| Dairyland | $196 | $238 | $253 | $302 |
| The General | $219 | $284 | $296 | $337 |
| GAINSCO | $242 | $282 | $304 | $373 |
| Liberty Mutual | $246 | $303 | $321 | $379 |
| Bristol West | $266 | $324 | $342 | $410 |
| AssuranceAmerica | $272 | $313 | $355 | $419 |
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.
Average cost of car insurance by age
One of the biggest factors that can affect car insurance rates is your age. Teen drivers typically pay the highest rates for auto insurance because they lack experience on the road.
Rates usually start to decrease around age 35 and increase again at age 70. Like young adults, older drivers are more likely to be involved in accidents and make driving errors that can lead to collisions. [4] [5]
Below, you can see the average cost of car insurance for drivers in different age groups in North Charleston.
Age | Average Monthly Quote |
|---|---|
| Teens | $662 |
| 20s | $444 |
| 30s | $339 |
| 40s | $310 |
| 50s | $283 |
| 60s | $283 |
| 70s | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in North Charleston, SC
Check quotes from 120+ top insurance companies
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North Charleston car insurance quotes by credit tier
In South Carolina, car insurance companies are allowed to consider a driver’s credit history when calculating car insurance premiums. A driver’s credit score is used to predict how likely they are to file insurance claims.[6] In general, drivers with excellent or good credit scores pay less for car insurance than people with poor credit scores.
The chart below shows average monthly car insurance rates for North Charleston drivers by 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.
North Charleston car insurance FAQs
Check out Insurify’s guide on how to get cheap car insurance, and use the additional information below as you research your car insurance coverage options in North Charleston.
How much is car insurance in North Charleston?
Car insurance in North Charleston costs an average of $202 per month for liability-only coverage and $259 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in North Charleston?
With a liability-only rate of $79 per month, USAA is the cheapest car insurance company in North Charleston. Auto-Owners and State Farm also offer cheap liability coverage, with monthly rates of $85 and $88, respectively.
But the cheapest car insurance for you will depend on a variety of factors, including your age, ZIP code, type of car you drive, and chosen coverage levels.
What are the best car insurance companies in North Charleston?
With above-average J.D. Power customer satisfaction ratings, a high Insurify Quality (IQ) Score, and an A++ (Superior) financial strength rating from AM Best, State Farm is the best car insurance company in North Charleston.
Other top insurers to consider include Auto-Owners and USAA.
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
- Insurance Information Institute. "How to save money on car insurance."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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