Cheap Auto Insurance Quotes in North Charleston, SC (2023)

South Carolina is notorious for being a difficult place to drive and North Charleston is a city that can certainly test your patience. It’s been noted that 48 hours of each week on the road is made up of huge traffic jams, and the city has been ranked as the 43rd most congested city in the nation. North Charleston’s population is only just over 100,000 people, yet it feels as if many more are on the road. It’s crucial for residents to enroll in robust auto insurance, as an accident can happen easily in this busy place.

Car Insurance in North 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 North Charleston, SC to find you the cheapest quotes in the area.

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• Cheap Car Insurance South Carolina

• Compare Car Insurance

Cheapest Car Insurance in North Charleston, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in North 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 company reviews. The following are the top rated companies that offer car insurance in North Charleston. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in South Carolina

North Charleston Car Insurance Rates by Driver Age

When it comes to monthly insurance premiums, companies often reward maturity with lower rates. This is undoubtedly true in the city of North Charleston. Here, teen drivers pay an average premium of $739 per month, more than three times the average cost for drivers in their 50s (who pay $237 on average). And although those in their 60s and 70s have had more time on the road, more advanced age groups can signal additional insurance risks and pay more in premiums than many drivers even 30 years their junior.

North Charleston Car Insurance Rates by Driving and Accident History

Keep a clean driving record in North Charleston, and you’ll enjoy significantly better rates than those who aren’t as careful. Why? When you make driving mistakes, insurance companies recoup their losses by raising insurance rates—either because you’ve made a claim or because the chances of you making a claim in the future are now more significant. Auto insurance bills for those who speed or run through stop signs in North Charleston average out to $465 and $457, respectively. However, the careful driver pays as much as 57 percent less in premiums per month in this city.

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• High-risk Car Insurance South Carolina

• DUI Car Insurance South Carolina

North Charleston Car Insurance Rates by Credit Tier

Auto insurance companies charge you based on the amount of risk you are assigned. They determine risk by using all kinds of data, including your credit score. Why? Studies have found that the way you manage your money can accurately predict the likelihood of making an insurance claim. As the average car insurance rates in North Charleston demonstrate, drivers with excellent credit scores in North Charleston pay an average of $337 in car insurance premiums. In contrast, those with a poor credit score pay over $10 more monthly for the same coverage.

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Find local North Charleston agents

North Charleston, SC DMV Information

As if traffic weren’t bad enough, trying to visit the DMV in North Charleston is also a time-consuming task. There’s just one office within the city limits and it’s open Monday through Friday from 8:30 a.m. to 5 p.m., with the exception of a 9:30 a.m. start time on Wednesdays. Residents who want to try their luck at another location can make a short drive to Charleston or Mount Pleasant.

Public Transportation in North Charleston, SC

Given that North Charleston is a relatively small city compared to other major metropolitan areas, individuals without a vehicle will find that public transportation is minimal. The city is included in the greater Charleston Regional Transportation Authority system, so there might be some gaps in coverage depending on where you need to go. For consistent and reliable transportation, a rideshare service like Uber or Lyft is your best option.

For more detailed South Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in South Carolina

• DUI Car Insurance Rates in South Carolina

• High-Risk Driver Car Insurance Rates in South Carolina

• South Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in South Carolina

• SR-22 Insurance in South Carolina

How to get the best and cheapest car insurance in North Charleston, SC

Many people love living in North Charleston, as the area is rich in history and offers a number of things to do at any time of the year. However, driving in this city can be quite frustrating and even sometimes dangerous, as winter weather can create hazards on the road. If you do choose to drive in North Charleston, it’s recommended that you enroll in a robust car insurance policy in the event of an accident.

Keep in mind that full coverage doesn’t have to be expensive, as many people save more than they thought they would by using Insurify. Simply answer a few questions and you can compare quotes online from multiple insurance companies with ease. Insurance in North Charleston doesn’t have to be costly when you use Insurify!