Charleston, SC Auto Insurance (2024)
The average Charleston, SC auto insurance rates are $327 per month. The minimum auto insurance in Charleston is at least 25/50/25 in coverage to comply with South Carolina auto insurance laws. To find the best cheap auto insurance in Charleston, South Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Charleston, South Carolina is 25/50/25
- The cheapest auto insurance company in Charleston is Geico
- The average commute length in Charleston is 22.8 minutes
Charleston, South Carolina auto insurance requirements are 25/50/25 according to South Carolina auto insurance laws. Finding cheap auto insurance in Charleston can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charleston, South Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Charleston to other South Carolina cities, including Greenville auto insurance rates, Hilton Head Island auto insurance rates, and Rock Hill auto insurance rates to see how Charleston, South Carolina auto insurance rates stack up.
Before you buy Charleston, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charleston, South Carolina auto insurance quotes.
Minimum Auto Insurance in Charleston, South Carolina
Charleston, South Carolina auto insurance laws require that you have at least the South Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charleston, South Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Charleston, South Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Charleston, South Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,858 | $2,858 | $2,734 | $2,734 | $7,390 | $9,423 | $3,168 | $3,447 |
| Farmers | $3,277 | $3,286 | $3,154 | $3,396 | $8,932 | $9,811 | $3,590 | $3,616 |
| Geico | $2,234 | $2,234 | $2,038 | $2,038 | $5,648 | $5,762 | $2,623 | $2,701 |
| Nationwide | $2,524 | $2,553 | $2,277 | $2,357 | $6,227 | $7,992 | $2,865 | $3,114 |
| Progressive | $2,419 | $2,223 | $2,089 | $2,188 | $10,357 | $11,426 | $2,786 | $2,900 |
| State Farm | $2,080 | $2,080 | $1,891 | $1,891 | $6,104 | $7,673 | $2,338 | $2,629 |
| USAA | $1,890 | $1,897 | $1,741 | $1,744 | $7,517 | $8,223 | $2,486 | $2,620 |
Cheap Charleston, South Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Charleston, South Carolina is a challenge. Take a look at the annual teen auto insurance rates in Charleston, South Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,390 | $9,423 |
| Farmers | $8,932 | $9,811 |
| Geico | $5,648 | $5,762 |
| Nationwide | $6,227 | $7,992 |
| Progressive | $10,357 | $11,426 |
| State Farm | $6,104 | $7,673 |
| USAA | $7,517 | $8,223 |
Cheap Charleston, South Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Charleston, South Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,734 | $2,734 |
| Farmers | $3,154 | $3,396 |
| Geico | $2,038 | $2,038 |
| Nationwide | $2,277 | $2,357 |
| Progressive | $2,089 | $2,188 |
| State Farm | $1,891 | $1,891 |
| USAA | $1,741 | $1,744 |
Cheap Charleston, South Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charleston, South Carolina compared to the annual auto insurance rates with a clean record in Charleston, South Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,250 | $5,176 | $4,574 | $4,306 |
| Farmers | $4,076 | $5,652 | $4,690 | $5,113 |
| Geico | $2,426 | $3,118 | $4,670 | $2,426 |
| Nationwide | $2,988 | $3,844 | $4,839 | $3,283 |
| Progressive | $3,717 | $5,443 | $4,550 | $4,484 |
| State Farm | $3,020 | $3,721 | $3,301 | $3,301 |
| USAA | $2,783 | $3,437 | $4,718 | $3,120 |
Cheap Charleston, South Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Charleston, South Carolina is not easy. Compare the annual rates for DUI auto insurance in Charleston, South Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,574 |
| Farmers | $4,690 |
| Geico | $4,670 |
| Nationwide | $4,839 |
| Progressive | $4,550 |
| State Farm | $3,301 |
| USAA | $4,718 |
Cheap Charleston, South Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Charleston, South Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,436 | $4,090 | $3,453 |
| Farmers | $5,570 | $4,739 | $4,339 |
| Geico | $4,820 | $2,592 | $2,068 |
| Nationwide | $4,437 | $3,613 | $3,166 |
| Progressive | $5,043 | $4,445 | $4,158 |
| State Farm | $4,792 | $2,921 | $2,294 |
| USAA | $5,462 | $2,710 | $2,373 |
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Cheap Charleston, South Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Charleston, South Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Charleston, South Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 29401 | $3,484 |
| 29403 | $3,685 |
| 29407 | $3,668 |
| 29409 | $3,657 |
| 29412 | $3,495 |
| 29414 | $3,824 |
| 29424 | $3,477 |
| 29425 | $3,817 |
| 29455 | $3,709 |
| 29492 | $3,704 |
Cheap Charleston, South Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Charleston, South Carolina auto insurance. Find the cheapest annual Charleston, South Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,234 | $4,419 |
| Farmers | $4,883 | $4,883 |
| Geico | $3,140 | $3,180 |
| Nationwide | $3,739 | $3,739 |
| Progressive | $4,548 | $4,548 |
| State Farm | $3,251 | $3,420 |
| USAA | $3,477 | $3,552 |
Cheap Charleston, South Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Charleston, South Carolina? Check out the comparison of annual Charleston, South Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,067 | $4,306 | $4,606 |
| Farmers | $4,355 | $4,882 | $5,411 |
| Geico | $2,940 | $3,129 | $3,411 |
| Nationwide | $3,674 | $3,744 | $3,797 |
| Progressive | $4,196 | $4,489 | $4,961 |
| State Farm | $3,079 | $3,334 | $3,593 |
| USAA | $3,304 | $3,510 | $3,730 |
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Best By Category: Cheapest Auto Insurance in Charleston, South Carolina
Compare the cheapest auto insurance companies in Charleston, South Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Charleston, South Carolina Auto Insurance Companies
What auto insurance companies in Charleston, South Carolina are the cheapest? Compare the top Charleston, South Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,326 |
| Farmers | $4,883 |
| Geico | $3,160 |
| Nationwide | $3,739 |
| Progressive | $4,548 |
| State Farm | $3,336 |
| USAA | $3,515 |
What affects auto insurance rates in Charleston, South Carolina?
There are a lot of reasons why auto insurance rates in Charleston, South Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charleston, South Carolina. Many local factors may affect your Charleston auto insurance rates.
Charleston Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charleston, South Carolina commute length is 22.8 minutes according to City-Data.
Charleston Traffic
How does Charleston, South Carolina rank for traffic? According to Inrix Charleston, South Carolina is the 649th most congested worldwide.
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Compare Charleston, South Carolina Auto Insurance Quotes
Before you buy Charleston, South Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charleston, South Carolina auto insurance quotes.
Frequently Asked Questions
What type of auto insurance coverage is required in Charleston, SC?
In Charleston, SC, drivers are required to carry liability insurance, which includes bodily injury liability and property damage liability coverage. The minimum liability limits mandated by the state are 25/50/25, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
Are there any additional auto insurance coverage options I should consider in Charleston, SC?
While liability insurance is the minimum requirement, it’s highly recommended to consider additional coverage options to protect yourself and your vehicle. This may include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage. These additional coverages can provide added financial protection in case of accidents, theft, or damage to your vehicle.
Are there any specific factors that can affect my auto insurance rates in Charleston, SC?
Yes, several factors can influence your auto insurance rates in Charleston, SC. These factors may include your driving record, age, gender, marital status, credit history, the type of vehicle you drive, your location, and the coverage options you choose. Insurance companies assess these factors to determine the level of risk you present and calculate your premiums accordingly.
How can I find affordable auto insurance in Charleston, SC?
To find affordable auto insurance in Charleston, SC, it’s advisable to shop around and compare quotes from multiple insurance companies. Each insurer has its own underwriting criteria and rates, so obtaining quotes from different providers will help you find the best coverage at a competitive price. Additionally, you can inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for installing safety features in your vehicle.
What should I do in case of an accident or insurance claim in Charleston, SC?
In the event of an accident or insurance claim in Charleston, SC, it’s important to take certain steps. These include:
- Ensure the safety of everyone involved and seek medical attention if needed.
- Contact the police to report the accident, especially if there are injuries or significant property damage.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Notify your insurance company as soon as possible and provide them with all the necessary details about the accident.
- Cooperate with the insurance company’s claims process, providing any requested documentation or evidence to support your claim.
Can I bundle my auto insurance with other insurance policies?
Yes, many insurance companies offer the option to bundle your auto insurance with other policies, such as home insurance or renters insurance. Bundling your insurance policies can often lead to discounts and cost savings. It’s recommended to inquire with your insurance provider about available bundle options and potential discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.