Buy Cheap Charleston, SC Auto Insurance (2022)

Charleston, SC auto insurance rates average $327 a month. Minimum auto insurance requirements in Charleston, South Carolina are 25/50/25 to comply with South Carolina laws. To buy cheap auto insurance in Charleston, SC, compare Charleston auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Charleston after a DUI is Nationwide
  • Average auto insurance rates in Charleston, SC are $327/month
  • Average auto insurance rates in Charleston, SC after a DUI are $4,477/year

Finding affordable Charleston, South Carolina auto insurance can be challenging, but everything you need to know to buy cheap Charleston, SC auto insurance with confidence is right here. Auto insurance rates in Charleston are affected by local factors as well as personal ones like your driving record.

See how Charleston, SC car insurance rates compare to Columbia auto insurance rates, Florence auto insurance rates, and Rock Hill auto insurance rates before you read more about the cost of auto insurance in Charleston.

Don’t buy Charleston, SC auto insurance until you’ve compared rates. Get free Charleston, South Carolina auto insurance quotes when you enter your ZIP code above.

Charleston, SC Minimum Auto Insurance Requirements

The required auto insurance in Charleston, SC is 25/50/25 according to the auto insurance laws in South Carolina. The minimum auto insurance in Charleston, South Carolina is outlined here.

Minimum Required Auto Insurance Coverage 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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Find Cheap Charleston, SC Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Charleston, SC. Take a look at Charleston, South Carolina auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Charleston, South Carolina

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

Buy Cheap Charleston, SC Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Charleston, South Carolina auto insurance rates? Find out how car insurance rates in Charleston, SC are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charleston, South Carolina

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

Buy Cheap Charleston, SC Auto Insurance for Teen Drivers

Auto insurance for teenagers in Charleston can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Charleston, SC are listed here.

Annual Auto Insurance Rates for Teen Drivers 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

Buy Cheap Charleston, SC Auto Insurance for Seniors

You can save on senior auto insurance rates in Charleston, South Carolina by comparing Charleston senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Charleston, SC here.

Annual Auto Insurance Rates for Senior Drivers in Charleston, South Carolina

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

Find Cheap Auto Insurance Rates in Charleston, SC by Coverage Level

The amount of coverage you choose is a big factor in the cost of Charleston, South Carolina auto insurance. Compare Charleston, SC auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charleston, South Carolina

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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Find Cheap Charleston, SC Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Charleston. Compare auto insurance rates in Charleston, SC by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Charleston, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Charleston, SC Auto Insurance Rates by ZIP Code

Auto insurance rates in Charleston, South Carolina can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Charleston, SC to see how much where you live in Charleston affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Charleston, South Carolina

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

Find Cheap Charleston, SC Auto Insurance Rates by Driving Record

Auto insurance rates in Charleston, South Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Charleston, SC, take a look at the average cost for various violations versus rates for a clean driving record in Charleston.

Annual Charleston, South Carolina Auto Insurance Rates by Driving Record

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

Find Cheap Charleston, SC Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Charleston, South Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Charleston for less when you shop around and compare rates from multiple Charleston, SC auto insurance companies.

Annual Auto Insurance Rates After a DUI in Charleston, South Carolina

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Charleston, SC

Compare rates from the cheapest auto insurance companies in Charleston, SC for your needs. Take a look at how Charleston, South Carolina auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Charleston, South Carolina

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Find Cheap Charleston, South Carolina Auto Insurance Companies

If you’re looking for the cheapest Charleston, SC auto insurance companies overall, you can compare them here. Find the best price for Charleston, South Carolina car insurance by company.

Average Annual Auto Insurance Rates by Company in Charleston, South Carolina

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 Charleston, South Carolina auto insurance rates?

Local factors affect auto insurance rates in Charleston, SC, including traffic, theft statistics, and commute length. Take a look at the things that impact Charleston auto insurance rates.

Commute Times in Charleston

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Charleston, SC is 22.8 minutes according to City-Data.

Traffic in Charleston

How is traffic in Charleston, South Carolina? Inrix data shows that Charleston, SC traffic makes it the 649th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Charleston, SC

You can buy cheap Charleston, SC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Charleston, South Carolina auto insurance quotes from top companies.

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