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Average Cost of Car Insurance in Charleston

Charleston$1,139
South Carolina$1,139
US$1,424

Average car insurance rates are much cheaper in Charleston than the national average. The average annual premium in this city is $1,139, which is the same as the South Carolina average but 20.1% less than the U.S. average.

The Best Cheap Car Insurance Companies in Charleston

GEICO is the most affordable car insurance provider in Charleston, SC. Its annual premium is typically about 62% cheaper than Progressive, the city’s most expensive auto insurance firm.

Company
Amountper year
1. GEICO
In 2020, GEICO ranked #1 in Charleston for the cheapest car insurance for the average driver.
$853
2. USAA
In 2020, USAA ranked #2 in Charleston for the cheapest car insurance for the average driver.
$926
3. State Farm
In 2020, State Farm ranked #3 in Charleston for the cheapest car insurance for the average driver.
$1,055
4. Allstate
In 2020, Allstate ranked #4 in Charleston for the cheapest car insurance for the average driver.
$1,120
5. Travelers
In 2020, Travelers ranked #5 in Charleston for the cheapest car insurance for the average driver.
$1,207
6. Nationwide
In 2020, Nationwide ranked #6 in Charleston for the cheapest car insurance for the average driver.
$1,217
7. Progressive
In 2020, Progressive ranked #7 in Charleston for the cheapest car insurance for the average driver.
$1,380

Personalized Quotes to Get You the Cheapest Car Insurance in Charleston

To calculate car insurance rates in Charleston, providers use a variety of elements including your gender, age, coverage level, miles driven per year and more. For instance, in Charleston, a typical GEICO policy for a 40-year-old driver is about one-third the cost of similar coverage for an 18-year-old driver. We advise you to get quotes at regular intervals to check if you are eligible for savings and discounts as your circumstances change.

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Cheapest Car Insurance in Charleston by Coverage Amount

How much car insurance coverage you purchase in Charleston also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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South Carolina Minimum Liability Requirements

ItemDescription
Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

In Charleston, GEICO’s 50/100/50 full-coverage plan costs $208 more on average than its liability-only policy with the same limits. The additional cost may be worth paying as the full-coverage package is more comprehensive. It will pay for your own expenses if you find yourself in an accident, in addition to the costs of the other driver(s) if you’re declared at fault.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. GEICO$470$541
2. USAA$500$576
3. State Farm$574$683
4. Allstate$604$689
5. Travelers$743$833
6. Nationwide$761$819
7. Progressive$760$865
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. GEICO$749$853
2. USAA$832$926
3. State Farm$942$1,055
4. Allstate$1,010$1,120
5. Travelers$1,110$1,207
6. Nationwide$1,127$1,217
7. Progressive$1,157$1,380
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Cheapest Car Insurance in Charleston If You Have Tickets

Driving violations on your record will hike your auto insurance premiums, so it’s important to drive safely. In Charleston, GEICO customers with a DUI violation need to shell out an extra $1,246 annually on average for their policies compared to drivers with clean records, while an at-fault accident on your record will set you back around $400 per year.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. State Farm$1,137$1,260$1,137
2. USAA$1,138$1,372$1,618
3. GEICO$853$1,253$2,099
4. Allstate$1,497$1,901$1,594
5. Travelers$1,581$1,646$1,821
6. Nationwide$1,389$1,863$2,228
7. Progressive$1,722$2,277$1,753

Average Cost of Car Insurance by Postal Code

The safety record of your neighborhood is also considered by auto insurance providers while calculating premiums. Areas with more car thefts, accidents and uninsured motorists are considered riskier and therefore more expensive to insure. In Charleston, drivers in ZIP code 29412 pay about $58 less per year than drivers in ZIP code 29407.

Zip CodeState Minimumper year
29412$1,110
29407$1,168

Factors That Impact Insurance Costs in Charleston

In addition to individual driver needs and history, location-specific factors like the rate of fatal accident and the percentage of uninsured motorists also contribute to car insurance rates in Charleston. How Charleston ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities30th/300
handcuffs2 icon
Most Car Thefts158th/300
uninsured icon
Most Uninsured Motorists by State37th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall38th/300
umbrella icon
Most Rainy Days133rd/300

Shopping around for car insurance in Charleston could save you $286, which is enough to buy:


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95Cups of Coffee
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22Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Charleston are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.