Cheapest Auto Insurance in North Charleston, South Carolina (2026)
With a monthly liability-only rate of $82, USAA is the cheapest car insurance company in North Charleston.
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Written byElizabeth Rivelli
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Elizabeth RivelliFreelance Insurance Writer
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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Ashley CoxSenior Managing Editor
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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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Updated
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Table of contents
The overall average cost of car insurance in North Charleston, South Carolina, is $223 per month. Drivers in North Charleston pay significantly more for auto insurance than the U.S. national average of $136 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 $198 per month for liability-only coverage and $249 per month for full coverage.
The average teen in North Charleston pays $370 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 | $108 | $70 | Military families |
| Auto-Owners | 8.2 | $116 | $75 | Customizable coverage |
| State Farm | 9.3 | $119 | $77 | Discounts |
Disclaimer: Table data sourced from real-time North Charleston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in North Charleston 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. | $82/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. | $128/mo |
4.9
Best choice in North Charleston, SCBased on 3,128 verified driver 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 in North Charleston 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 in North Charleston for
Members of the military community
Outstanding customer service
Competitive rates
Showing 20 South Carolina reviews for North Charleston drivers - See all 1,477 USAA reviews
Napoleon
Verified Review
USAA Praise Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Paul
Verified Review
Great claims handling
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
Lewis
Verified Review
Watch your rates, they will double them for no reason.
Reviewed in South Carolina on January 13, 2026
Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.
Kelly
Verified Review
USAA has dropped off
Reviewed in South Carolina on January 13, 2026
USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 14, 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Fred
Verified Review
USAA lied about coverage
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Edward
Verified Review
USAA
Reviewed in South Carolina on October 27, 2025
It's too high.
Sandra
Verified Review
Not happy with Policy costs, Auto, Renters, Umbrella
Reviewed in South Carolina on October 25, 2025
I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.
…
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. | $89/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. | $137/mo |
4.3
Best choice in North Charleston, SCBased on 309 verified driver 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 in North Charleston 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 in North Charleston for
Cheap rates
Senior drivers
Ample discounts
Showing 4 South Carolina reviews for North Charleston drivers - See all 146 Auto-Owners reviews
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Mike
Verified Review
Solid car insurance company
Reviewed in South Carolina on December 22, 2025
They're very easy to talk to and will walk you through anything you need.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 22, 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
Wilmer
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Reviewed in South Carolina on April 12, 2025
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
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 | 4.0 |
|---|---|
| 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. | $91/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. | $141/mo |
4.0
Best choice in North Charleston, SCBased on 15,788 verified driver 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 in North Charleston 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 in North Charleston for
Customer service
Competitive rates
Discounts for safe drivers
Showing 50 South Carolina reviews for North Charleston drivers - See all 7,176 State Farm reviews
Robert
Verified Review
Average
Reviewed in South Carolina on February 28, 2026
They consistently increase rates.
Sheila
Verified Review
State Farm Insurance Not Worth the Cost
Reviewed in South Carolina on February 26, 2026
Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.
Barbara
Verified Review
Totally Disappointed
Reviewed in South Carolina on February 21, 2026
Just be aware that if you have claims beyond your control, they will non-renew your policy.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Rocky
Verified Review
No Notice
Reviewed in South Carolina on February 12, 2026
After 40 years without a glitch, no contact was made to us when we were late on one item out of three in our bundle. This happened a few months after State Farm made their first claim payout in decades. The amount was well under the repair cost. For being late, our coverage was increased by $132 every 6 months. Now they told us they never call anymore if a payment is late. Not the insurance company to retire with.
Barbara
Verified Review
Totally disappointed in State Farm
Reviewed in South Carolina on February 11, 2026
State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.
Michael
Verified Review
Switch to Geico and Save
Reviewed in South Carolina on February 9, 2026
I canceled my policy and switched to Geico, getting a rate that was one-third of the cost compared to State Farm's higher prices.
Dan
Verified Review
State Farm Disappointment
Reviewed in South Carolina on February 5, 2026
If you file a claim, your rates will go up, regardless of how good your past record is.
Eva
Verified Review
High Costs and Misleading Discounts
Reviewed in South Carolina on January 21, 2026
The insurance is too expensive, and the discounts are not what they claim to be.
…
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 $82
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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 $198 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 in North Charleston, SC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| Auto-Owners | $89 |
| State Farm | $91 |
| GEICO | $131 |
| Nationwide | $134 |
| Allstate | $142 |
| Progressive | $149 |
| Travelers | $153 |
| Safeco | $163 |
| National General | $183 |
| State Auto | $184 |
| Root | $186 |
| Dairyland | $201 |
| Direct Auto | $205 |
| GAINSCO | $223 |
| The General | $223 |
| AssuranceAmerica | $239 |
| Liberty Mutual | $245 |
| Bristol West | $288 |
Disclaimer: Table data sourced from real-time North Charleston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in North Charleston 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 $249. 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 in North Charleston, SC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $128 |
| Auto-Owners | $137 |
| State Farm | $141 |
| GEICO | $186 |
| Nationwide | $207 |
| Safeco | $209 |
| Allstate | $220 |
| Progressive | $223 |
| Travelers | $236 |
| Direct Auto | $271 |
| Root | $271 |
| National General | $272 |
| State Auto | $286 |
| AssuranceAmerica | $343 |
| Liberty Mutual | $349 |
| The General | $407 |
| GAINSCO | $416 |
| Dairyland | $436 |
| Bristol West | $485 |
Disclaimer: Table data sourced from real-time North Charleston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in North Charleston may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near North Charleston, South Carolina
Drivers in and around North Charleston, South Carolina have found policies from Liberty Mutual, GAINSCO, Liberty Mutual with RightTrack®, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around North Charleston, South Carolina within the last 10 days. Last updated on March 5, 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 March 5, 2026. 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 March 5, 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 March 5, 2026. 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 in North Charleston, SC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $82 | $103 | $108 | $126 |
| Auto-Owners | $89 | $113 | $115 | $137 |
| State Farm | $91 | $113 | $118 | $140 |
| GEICO | $131 | $167 | $167 | $201 |
| Nationwide | $134 | $170 | $177 | $206 |
| Allstate | $142 | $180 | $187 | $218 |
| Progressive | $149 | $177 | $190 | $240 |
| Travelers | $153 | $194 | $202 | $235 |
| Safeco | $163 | $210 | $224 | $267 |
| National General | $183 | $222 | $238 | $282 |
| State Auto | $184 | $239 | $246 | $268 |
| Root | $186 | $242 | $244 | $289 |
| Dairyland | $201 | $244 | $260 | $309 |
| Direct Auto | $205 | $250 | $274 | $315 |
| GAINSCO | $223 | $259 | $280 | $343 |
| The General | $223 | $291 | $301 | $343 |
| AssuranceAmerica | $239 | $296 | $312 | $368 |
| Liberty Mutual | $245 | $304 | $320 | $377 |
| Bristol West | $288 | $353 | $372 | $443 |
Disclaimer: Table data sourced from real-time North Charleston car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in North Charleston 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 is based on real-time North Charleston quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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 $198 per month for liability-only coverage and $249 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 $82 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 $89 and $91, 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 190 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?."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Information Institute. "INSURANCE HANDBOOK Introduction Insurance Basics Regulatory and Financial Environment McCarran-Ferguson Act Insurance Accounting Credit Scoring Reinsurance Insurance Fraud Economic and Financial Data Insurance and Disasters Liability Insurance Issues Brief History Appendices PUBLICATIONS A Firm Foundation: How Insurance Supports the Economy Commercial Insurance Triple-I Insurance Facts Insurance Handbook Insuring Your Business: Small Business Owners' Guide to Insurance I.I.I. Store I.I.I. Software Online Brochures Background on: Credit Scoring."
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Elizabeth RivelliFreelance Insurance Writer
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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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.
Ashley CoxSenior Managing Editor
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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