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Average Cost of Car Insurance in Charleston

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

In Charleston, the average yearly cost 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.

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The Best Cheap Car Insurance Companies in Charleston

USAA offers the most affordable car insurance rates in Charleston. However, this firm only sells policies to U.S. military members and their families, so most Americans cannot access their coverage. The next cheapest company in Charleston is Erie, with coverage that’s an average 138.4% less expensive on average than MetLife, which is the city’s most expensive auto insurance company on average.

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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.

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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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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.

In Charleston, Erie offers both 50/100/50 liability-only and full-coverage policies. The 50/100/50 term indicates that the plan will cover $50,000 in medical bills per person, totaling $100,000 per vehicle, with $50,000 in property damage repair. Erie’s full-coverage package in Charleston costs $270 more on average than its liability-only plan because it will cover your own expenses if you’re at fault in an accident, along with those of the other driver(s).

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Charleston if You Have Tickets

It’s smart to maintain a clean driving record as it helps you reduce your vehicle insurance premiums. For instance, Allstate’s customers in Charleston with a speeding ticket on their record need to pay around $112 more annually for their policies than a driver with a clean record. Similarly, those with a recorded DUI have to pay $344 more on average for their coverage.

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
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Most Car Thefts249th/300
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Most Uninsured Motorists by State32nd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall84th/300
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Most Rainy Days17th/300

Shopping around for car insurance in Charleston could save you $317, which is enough to buy:


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106Cups of Coffee
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24Months 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 coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Charleston

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.