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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
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.
Here are the cheapest carriers in North 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.
| Cheapest Companies | Quotes |
|---|---|
 Direct Auto | $92/mo |
 Allstate | $117/mo |
 State Farm | $122/mo |
 Progressive | $144/mo |
 Nationwide | $152/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $258/mo | |
 Liberty Mutual | $280/mo | |
 Travelers | $171/mo |
South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| Mount Pleasant | $139/mo |
| Rock Hill | $139/mo |
| North Charleston | $125/mo |
| South Carolina | $138/mo |
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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:
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
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.
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:
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.
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.
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!
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 North Charleston stacks up for the state of South Carolina:
