Compare the Cheapest Car Insurance Quotes in Charleston, WV

Car insurance in Charleston costs an average of $1,016 per year, which is the same as West Virginia’s average. The cheapest widely available insurer in Charleston is Erie, with an average annual cost of $698. If you are looking for quality and affordable coverage, MoneyGeek ranked the cheapest companies by driving history and coverage amount to ensure that you get the best car insurance plan for your needs.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 7/28/2022
Written By     |  

In Charleston, Erie offers the cheapest widely available full and state minimum car insurance. Drivers with a speeding ticket violation can save the most money with Erie too, which is the least expensive insurer in that regard. USAA is the cheapest in all respects; however, it is only available to members of the military. New Jersey Manufacturers is the best car insurance company overall in the city, balancing affordability and customer service.

iconribbonbestauto insuranceCharleston2022

The Cheapest and Best Car Insurance in Charleston

The Cheapest Car Insurance Companies in Charleston

In Charleston, the most affordable auto insurance providers for full coverage policies are:

  • Erie: $698 per year
  • State Farm: $805 per year

Former and current military personnel and their families in Charleston will find USAA car insurance an affordable option with an average annual premium of $622.

At $698, Erie is the cheapest car insurance company in Charleston for full coverage. Their rate is about $967 (that’s just over 138%) lower than Metlife, the most expensive car insurance in the city, with an average annual premium of $1,665.

Full coverage car insurance includes comprehensive and collision coverage. When you’re looking for quotes, remember that your premium will change depending on your preferred liability limits and unique driver profile.

Cheapest Car Insurance in Charleston
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $622
  • 2.
    Erie
    $698
  • 3.
    State Farm
    $805
  • 4.
    Nationwide
    $874
  • 5.
    GEICO
    $879
  • 6.
    Allstate
    $1,066
  • 7.
    Progressive
    $1,123
  • 8.
    MetLife
    $1,665

In MoneyGeek’s analysis, we used premiums for a 40-year-old male driver with a full coverage policy, as defined in our methodology.

A policy of comprehensive and collision coverage will cost more than liability-only coverage. Full coverage car insurance provides you with the security of knowing that repairs to your car in the event of an accident or other covered event will be paid under your insurance.

  • Collision Insurance: This pays for your car’s repairs if you hit another vehicle or a stationary object.
  • Comprehensive Insurance: This protects against expenses to repair your car from non-collision-related damage, such as vandalism or an adverse weather event.

If you have an older vehicle, full coverage insurance may cost more than your car’s replacement value. If that’s the case, you may prefer liability-only or state minimum insurance to save on premiums.

Compare Car Insurance Rates in Charleston

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Charleston for Minimum Coverage

In Charleston and other cities, the cost of car insurance varies across different coverage levels. A policy that only meets the state’s minimum requirements costs an average of $519 per year. On the other hand, a full coverage policy with higher liability limits costs $497 more, at $1,016 per year.

Cheapest Minimum Liability Car Insurance in Charleston
State Minimum

In West Virginia, drivers by law must have state minimum insurance of 25/50/25. This is Charleston's cheapest vehicle insurance; however, if you’re in an accident, your financial obligations may be significant.

For example, if the other driver’s medical bills in an at-fault accident total $50,000, your insurance would only cover $25,000 of that. You would be responsible for the remaining $25,000 in medical expenses.

West Virginia Minimum Liability Requirements

  • Item
    Description
  • 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, $50,000 per incident and $25,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in Charleston if You Have Driving Violations

Your car insurance premium is directly affected by your driving history. Having violations such as speeding tickets, at-fault accidents and DUIs results in higher premiums. The cheapest car insurance providers in Charleston for specific violations are:

  • Cheapest after a ticket: Erie, $727 annually
  • Cheapest after an at-fault accident: Erie, $836 annually
  • Cheapest after a DUI: State Farm, $869 annually

If your yearly premium increased after a violation, you may be able to get it back down once you’ve improved your driving record. In the meantime, get as many quotes as possible to find the best cheap car insurance in Charleston for drivers with bad records.

Cheapest Car Insurance in Charleston With a Violation
Speeding Ticket

Average Cost of Car Insurance in Charleston

Charleston$1,016
WV$1,016
U.S.$1,424

In Charleston, the average yearly cost of car insurance is much more affordable than the nationwide average. The average annual rate in this city is $1,016, which is equal to the West Virginia average and about 28.7% cheaper than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Charleston

Auto insurance providers analyze a number of points to compute car insurance quotes in Charleston. These factors include your age, gender, driving record, credit score and more. Consider the example of Erie: their average annual price for an 18-year-old customer is about 275% higher than the cost for a 40-year-old driver with similar coverage. We recommend that you regularly get a personalized quote to see if you qualify for rebates or discounts as your situation changes.

Compare Car Insurance Rates in Charleston

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Charleston

MoneyGeek scored the top car insurance companies in Charleston based on average rates, claims ratings and user satisfaction scores. Our analysis found that the best car insurance in Charleston is offered by:

  • Erie: MoneyGeek score of 94.0 out of 100
  • State Farm: MoneyGeek score of 86.4 out of 100

USAA is not included in this analysis, but it received a perfect MoneyGeek score of 100 out of 100, making it the best car insurance in Charleston for drivers with a military background.


1
Erie
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Erie car insurance scored highest for user satisfaction and affordability among auto insurers in Charleston. A policy from Erie costs an average of $698 per year. Apart from affordability and good customer service, Erie also offers unique optional coverages like better car replacement.

More About Erie

For Charleston drivers with new cars less than two years old, Erie offers optional better car replacement coverage. This coverage ensures that if your car is totaled it will be replaced with the newest model year. Erie also offers new car replacement coverage which ensures that if your new car gets totaled it will be replaced with the newest model year. Drivers can also opt to include accident forgiveness coverage in the Erie auto insurance policy. This coverage will protect you in case you are in an at-fault accident by ensuring that your premiums are not increased.

Read MoneyGeek's Erie auto Insurance Review
2
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm’s car insurance in Charleston costs an average of $805 per year, ranking second for affordability in the city. This provider also scores highly for user satisfaction and claims. Drivers can get optional coverages like rideshare insurance with their State Farm auto insurance policy.

More About State Farm

If you use a rideshare app, you can get better protection by opting for rideshare insurance. This coverage ensures that the medical, emergency roadside assistance and rental car reimbursement coverages in your car insurance policy remain in effect when you are working for a ridesharing company. State Farm policyholders can also choose from the available standard optional coverages including roadside assistance to cover you in case your car breaks down and you need mechanical labor, towing or other assistance. You can also get rental car or travel reimbursement to cover travel expenses incurred when your car is being repaired.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

People who live in neighborhoods with higher numbers of accidents, car thefts and uninsured motorists are more expensive to insure. In Charleston, drivers who live in ZIP code 25302 pay an average of $10 less per year for their auto coverage than drivers in ZIP code 25314.

  • Zip Code
    State Minimumper year
  • 25302
    $1,010
  • 25313
    $1,017
  • 25314
    $1,020

Factors That Impact Insurance Costs in Charleston

In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents 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 Fatalities6th/300
handcuffs2 icon
Most Car Thefts249th/300
uninsured icon
Most Uninsured Motorists by State32nd/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall84th/300
umbrella icon
Most Rainy Days17th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.