Cheap Auto Insurance Quotes in North Charleston, SC (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Palmetto State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

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.
Direct AutoAllstateState FarmProgressiveNationwide

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.

Average Car Insurance Cost

South CarolinaColumbiaCharlestonMount PleasantRock HillNorth Charleston
Click here to learn about car insurance quotes and save on your current policy.

North 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

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.

Driving History
No Violation$298
Speeding Ticket$466
At-Fault Accident$398
Failure to Stop for Red Light / Stop Sign$458

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.

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.

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.

Find local North Charleston agents

McKenna Agency Inc 
2154 N Center St, Ste B 204, North Charleston , SC 29406
HUB International Charleston 
4401 Leeds Ave, North Charleston, SC 29405-7554
W C Wilbur & Company 
1072 E Montague Ave, North Charleston, SC 29405-4822
The Ferguson Agency 
9229 University Blvd., Ste A, North Charleston, SC 29406
AssuredPartners of SC, LLC 
3860 Faber Place Dr Ste 400, North Charleston, SC 29405-8555
PO Box 70548, North Charleston, SC 29415
Insurance Office of America 
4400 Leeds Ave Ste 470, North Charleston, SC 29405-7572
Robinson Auto Insurance
3353 Rivers Ave, North Charleston, SC 29405
Direct Auto Insurance
5500 Rivers Ave, North Charleston, SC 29406
Direct Auto Insurance
2110 Greenridge Rd Suite F, North Charleston, SC 29406

Insurify Insights: How North Charleston Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how North Charleston drivers measure up to their fellow South Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in North Charleston

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. North Charleston drivers rank 6 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #6
  • Percent of drivers in North Charleston with an accident: 15.53%
  • Drivers in North Charleston, SC with an accident in their driving history paid on average 30.64% more than drivers with a clean record

Speeding in North Charleston

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, North Charleston drivers rank 30 in the number of speeding infractions per driver.

  • Rank within state: #30
  • Percent of drivers in North Charleston with a speeding ticket: 14.06%
  • Drivers in North Charleston, SC with a speeding ticket in their driving history paid on average 28.62% more than drivers with a clean record

DUI/DWIs in North Charleston

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Charleston drivers rank 24 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #24
  • Percent of drivers in North Charleston with a DUI: 1.47%
  • Drivers in North Charleston, SC with a DUI in their driving history paid on average 18.18% more than drivers with a clean record

Rude in North Charleston

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, North Charleston drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in North Charleston with a reckless driving violation: 1.87%
  • Drivers in North Charleston, SC with a reckless driving violation in their driving history paid on average 22.22% more than drivers with a clean record.

Safest Drivers in North Charleston

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; North Charleston drivers rank 21 in clean driving records across all cities in South Carolina.

  • Rank within state: #21
  • Percent of drivers in North Charleston with clean record: 74.23%

Failure to Yield the Right of Way in North Charleston

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Charleston drivers rank 14 in failure to yield violations per driver across all cities in South Carolina.

  • Rank within state: #14
  • Percent of drivers in North Charleston with a failure to yield violation: 0.54%
  • Drivers in North Charleston, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in North Charleston

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, North Charleston drivers rank 25 in the number of reckless driving offenses per driver.

  • Rank within state: #25
  • Percent of drivers in North Charleston with a reckless driving offense: 0.13%

Most Popular Vehicle in North Charleston

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in North Charleston is the Honda Accord.

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!

FAQs - North Charleston, SC Car Insurance

Does South Carolina use an at-fault system for auto accidents?

Yes, if you are involved in a collision in South Carolina, it’s important to keep in mind that the state uses an at-fault system. This means that the insurance policy of the person who caused the accident will be utilized first to cover any damages or injuries.

Is car insurance in North Charleston more expensive than in other parts of the country?

Residents of South Carolina find that they tend to pay at least the national average for auto insurance, if not more, depending on their unique circumstances. North Charleston rates can be higher than expected due to the number of accidents in the area.

How can I find the best deal on car insurance in North Charleston?

People trying to save money on car insurance should visit Insurify today and compare real-time quotes from multiple insurance companies. You’ll be able to see which discounts are applicable to your driving situation and can even enroll in a policy online.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3689 Reviews

Insurify is rated 4.8 out of 5 based on 3689 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!