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The cheapest car insurance for you depends on personal factors like age, driving record and car model. For instance, teenage drivers may find the cheapest car insurance from Auto-Owners Insurance Co. Assessing your needs and preferences is essential to find rates that best fit your budget.

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2023

Cheapest and Best Car Insurance in North Charleston, SC

Cheapest Minimum Liability Car Insurance in North Charleston

The cheapest car insurance companies for a minimum coverage policy in North Charleston are:

  • American National P&C: $308 per year
  • American Family: $444 per year

The most expensive company is Dairyland, with an average premium of $2,555 per year. American National P&C also provides the cheapest car insurance in South Carolina at $280 per year as of October 2022. The average statewide cost of this company’s car insurance is cheaper than its North Charleston rates. This difference demonstrates how location can impact car insurance rates.

Company
Annual Premium
Monthly Premium

American National P&C

$308

$26

American National P&C

$349

$29

American National P&C

$353

$29

American Family

$444

$37

Auto-Owners Insurance Co

$496

$41

Auto-Owners Insurance Co

$517

$43

American National P&C

$536

$45

American National P&C

$564

$47

American Family

$566

$47

American Family

$625

$52

State Farm

$628

$52

American National P&C

$633

$53

Auto-Owners Insurance Co

$635

$53

State Farm

$659

$55

South Carolina Farm Bureau

$703

$59

Allstate

$706

$59

GEICO

$755

$63

State Farm

$768

$64

South Carolina Farm Bureau

$776

$65

GEICO

$781

$65

Allstate

$795

$66

Allstate

$807

$67

Travelers

$877

$73

Progressive

$882

$74

Travelers

$916

$76

American Family

$920

$77

Travelers

$957

$80

Progressive

$958

$80

Auto-Owners Insurance Co

$958

$80

Auto-Owners Insurance Co

$968

$81

South Carolina Farm Bureau

$1,016

$85

GEICO

$1,038

$87

American Family

$1,107

$92

Progressive

$1,128

$94

State Farm

$1,159

$97

South Carolina Farm Bureau

$1,216

$101

Auto-Owners Insurance Co

$1,240

$103

State Farm

$1,245

$104

Allstate

$1,305

$109

American Family

$1,338

$112

South Carolina Farm Bureau

$1,359

$113

GEICO

$1,370

$114

Allstate

$1,400

$117

GEICO

$1,424

$119

Travelers

$1,453

$121

Travelers

$1,460

$122

Allstate

$1,463

$122

State Farm

$1,488

$124

Travelers

$1,626

$136

Progressive

$1,706

$142

South Carolina Farm Bureau

$1,733

$144

Bristol West

$1,816

$151

GEICO

$1,854

$155

Bristol West

$1,870

$156

Progressive

$1,892

$158

Dairyland

$2,242

$187

Progressive

$2,267

$189

Bristol West

$2,536

$211

Dairyland

$2,555

$213

Dairyland

$2,813

$234

Bristol West

$3,199

$267

Bristol West

$3,360

$280

Bristol West

$4,424

$369

Dairyland

$4,623

$385

Dairyland

$5,279

$440

Dairyland

$5,956

$496

According to South Carolina law, a minimum coverage policy covers bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. Specifically, your policy must cover:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident

Liability limits can be set per person and per accident. In this case, the bodily injury liability coverage pays up to $25,000 for every injured person in an accident. However, your insurance will only pay $50,000 per accident, regardless of the number of injured people.

Cheapest Full Coverage Car Insurance in North Charleston

The cheapest car insurance companies for a full coverage policy in North Charleston are:

  • American National P&C: $536 per year
  • American Family: $920 per year

Dairyland is the most expensive option for full coverage policies, costing $5,279 per year. American National P&C also has the cheapest full coverage car insurance in South Carolina as of October 2022. Its average cost is $501 per year, slightly lower than its average North Charleston rate.

Location can affect the cost of car insurance. Consider comparing rates across different insurers to find a policy that best fits your needs and budget.

Company
Annual Premium
Monthly Premium

American National P&C

$308

$26

American National P&C

$349

$29

American National P&C

$353

$29

American Family

$444

$37

Auto-Owners Insurance Co

$496

$41

Auto-Owners Insurance Co

$517

$43

American National P&C

$536

$45

American National P&C

$564

$47

American Family

$566

$47

American Family

$625

$52

State Farm

$628

$52

American National P&C

$633

$53

Auto-Owners Insurance Co

$635

$53

State Farm

$659

$55

South Carolina Farm Bureau

$703

$59

Allstate

$706

$59

GEICO

$755

$63

State Farm

$768

$64

South Carolina Farm Bureau

$776

$65

GEICO

$781

$65

Allstate

$795

$66

Allstate

$807

$67

Travelers

$877

$73

Progressive

$882

$74

Travelers

$916

$76

American Family

$920

$77

Travelers

$957

$80

Progressive

$958

$80

Auto-Owners Insurance Co

$958

$80

Auto-Owners Insurance Co

$968

$81

South Carolina Farm Bureau

$1,016

$85

GEICO

$1,038

$87

American Family

$1,107

$92

Progressive

$1,128

$94

State Farm

$1,159

$97

South Carolina Farm Bureau

$1,216

$101

Auto-Owners Insurance Co

$1,240

$103

State Farm

$1,245

$104

Allstate

$1,305

$109

American Family

$1,338

$112

South Carolina Farm Bureau

$1,359

$113

GEICO

$1,370

$114

Allstate

$1,400

$117

GEICO

$1,424

$119

Travelers

$1,453

$121

Travelers

$1,460

$122

Allstate

$1,463

$122

State Farm

$1,488

$124

Travelers

$1,626

$136

Progressive

$1,706

$142

South Carolina Farm Bureau

$1,733

$144

Bristol West

$1,816

$151

GEICO

$1,854

$155

Bristol West

$1,870

$156

Progressive

$1,892

$158

Dairyland

$2,242

$187

Progressive

$2,267

$189

Bristol West

$2,536

$211

Dairyland

$2,555

$213

Dairyland

$2,813

$234

Bristol West

$3,199

$267

Bristol West

$3,360

$280

Bristol West

$4,424

$369

Dairyland

$4,623

$385

Dairyland

$5,279

$440

Dairyland

$5,956

$496

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: Covers costs when you are at fault in an accident with another car or a stationary object.
  • Comprehensive insurance: Pays for damages from non-collision incidents, such as theft, vandalism or flooding.

A full coverage policy may not be worth the cost if you own an old or low-value car.

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Cheapest Car Insurance in North Charleston After a Driving Offense

The cheapest car insurance companies after driving violations in North Charleston are:

  • Speeding ticket: American National P&C ($678 per year)
  • At-fault accident: American National P&C ($678 per year)
  • DUI: American National P&C ($761 per year)

Dairyland is the most expensive company after an at-fault accident ($8,741 per year), DUI ($7,311 per year) or speeding ticket ($7,888 per year). Driving offenses significantly affect the cost of car insurance. The cheapest policies for drivers with violations typically cost more than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

American National P&C

$399

$33

American National P&C

$399

$33

American National P&C

$451

$38

American National P&C

$457

$38

American National P&C

$457

$38

American National P&C

$461

$38

American National P&C

$461

$38

American Family

$485

$40

American National P&C

$516

$43

American National P&C

$523

$44

Auto-Owners Insurance Co

$556

$46

Auto-Owners Insurance Co

$576

$48

American Family

$581

$48

American Family

$594

$49

American Family

$621

$52

American National P&C

$678

$57

American National P&C

$678

$57

American Family

$699

$58

State Farm

$702

$58

State Farm

$702

$58

Auto-Owners Insurance Co

$717

$60

Auto-Owners Insurance Co

$717

$60

American National P&C

$726

$61

American National P&C

$726

$61

State Farm

$737

$61

State Farm

$737

$61

Auto-Owners Insurance Co

$743

$62

American Family

$754

$63

GEICO

$755

$63

American National P&C

$761

$63

American Family

$771

$64

GEICO

$781

$65

State Farm

$786

$66

South Carolina Farm Bureau

$801

$67

American National P&C

$816

$68

American National P&C

$816

$68

American National P&C

$818

$68

State Farm

$827

$69

South Carolina Farm Bureau

$850

$71

American Family

$860

$72

State Farm

$863

$72

State Farm

$863

$72

American Family

$869

$72

South Carolina Farm Bureau

$889

$74

South Carolina Farm Bureau

$896

$75

American National P&C

$919

$77

Auto-Owners Insurance Co

$932

$78

South Carolina Farm Bureau

$943

$79

State Farm

$971

$81

Allstate

$973

$81

South Carolina Farm Bureau

$997

$83

American Family

$1,026

$86

GEICO

$1,038

$87

Auto-Owners Insurance Co

$1,058

$88

Allstate

$1,060

$88

Auto-Owners Insurance Co

$1,067

$89

Allstate

$1,103

$92

GEICO

$1,106

$92

Travelers

$1,108

$92

Allstate

$1,120

$93

GEICO

$1,133

$94

Travelers

$1,144

$95

Auto-Owners Insurance Co

$1,152

$96

Travelers

$1,157

$96

South Carolina Farm Bureau

$1,169

$97

Auto-Owners Insurance Co

$1,179

$98

Travelers

$1,197

$100

American Family

$1,201

$100

Allstate

$1,205

$100

Allstate

$1,218

$102

Travelers

$1,227

$102

Progressive

$1,228

$102

American Family

$1,240

$103

American Family

$1,241

$103

South Carolina Farm Bureau

$1,245

$104

Allstate

$1,261

$105

State Farm

$1,279

$107

State Farm

$1,279

$107

Travelers

$1,280

$107

Progressive

$1,286

$107

Travelers

$1,290

$107

Progressive

$1,291

$108

South Carolina Farm Bureau

$1,318

$110

Travelers

$1,323

$110

Progressive

$1,335

$111

South Carolina Farm Bureau

$1,345

$112

Auto-Owners Insurance Co

$1,361

$113

GEICO

$1,370

$114

Auto-Owners Insurance Co

$1,371

$114

State Farm

$1,373

$114

State Farm

$1,373

$114

Auto-Owners Insurance Co

$1,381

$115

GEICO

$1,390

$116

Progressive

$1,402

$117

State Farm

$1,417

$118

GEICO

$1,424

$119

Travelers

$1,426

$119

South Carolina Farm Bureau

$1,430

$119

Allstate

$1,434

$120

Allstate

$1,453

$121

Progressive

$1,461

$122

American Family

$1,489

$124

South Carolina Farm Bureau

$1,506

$126

American Family

$1,512

$126

State Farm

$1,520

$127

Auto-Owners Insurance Co

$1,524

$127

South Carolina Farm Bureau

$1,527

$127

American Family

$1,538

$128

South Carolina Farm Bureau

$1,608

$134

State Farm

$1,650

$138

State Farm

$1,650

$138

Progressive

$1,657

$138

South Carolina Farm Bureau

$1,720

$143

Allstate

$1,733

$144

American Family

$1,783

$149

Progressive

$1,787

$149

Auto-Owners Insurance Co

$1,791

$149

State Farm

$1,835

$153

GEICO

$1,847

$154

Allstate

$1,850

$154

GEICO

$1,854

$155

Progressive

$1,859

$155

American Family

$1,864

$155

GEICO

$1,874

$156

Allstate

$1,884

$157

Travelers

$1,885

$157

South Carolina Farm Bureau

$1,936

$161

Allstate

$1,955

$163

Travelers

$1,956

$163

Travelers

$1,996

$166

GEICO

$2,000

$167

Travelers

$2,005

$167

Allstate

$2,015

$168

GEICO

$2,053

$171

Travelers

$2,073

$173

South Carolina Farm Bureau

$2,076

$173

Travelers

$2,087

$174

Auto-Owners Insurance Co

$2,087

$174

Allstate

$2,092

$174

Auto-Owners Insurance Co

$2,095

$175

GEICO

$2,131

$178

Travelers

$2,166

$180

Allstate

$2,192

$183

South Carolina Farm Bureau

$2,224

$185

Travelers

$2,297

$191

Travelers

$2,316

$193

Allstate

$2,401

$200

Bristol West

$2,419

$202

Bristol West

$2,423

$202

Progressive

$2,465

$205

Allstate

$2,482

$207

GEICO

$2,483

$207

Progressive

$2,488

$207

Progressive

$2,488

$207

Bristol West

$2,520

$210

Progressive

$2,525

$210

Bristol West

$2,533

$211

Bristol West

$2,758

$230

Auto-Owners Insurance Co

$2,816

$235

Progressive

$2,851

$238

Progressive

$2,889

$241

Bristol West

$2,979

$248

Dairyland

$3,125

$260

Bristol West

$3,160

$263

Bristol West

$3,257

$271

Progressive

$3,282

$274

GEICO

$3,332

$278

Dairyland

$3,350

$279

GEICO

$3,385

$282

Dairyland

$3,393

$283

Dairyland

$3,440

$287

Progressive

$3,441

$287

Bristol West

$3,506

$292

Dairyland

$3,524

$294

Dairyland

$3,583

$299

Dairyland

$3,719

$310

Progressive

$3,745

$312

GEICO

$3,815

$318

Dairyland

$3,841

$320

Bristol West

$4,200

$350

Dairyland

$4,267

$356

Bristol West

$4,293

$358

Bristol West

$4,398

$366

Bristol West

$4,457

$371

Bristol West

$4,817

$401

Bristol West

$5,030

$419

Bristol West

$5,465

$455

Bristol West

$5,630

$469

Bristol West

$6,018

$501

Dairyland

$6,368

$531

Dairyland

$6,868

$572

Dairyland

$7,243

$604

Dairyland

$7,311

$609

Dairyland

$7,345

$612

Dairyland

$7,526

$627

Dairyland

$7,607

$634

Dairyland

$7,888

$657

Dairyland

$8,741

$728

Premiums are usually more expensive for drivers with severe violations. For example, in South Charleston, your annual premium for a full coverage policy can increase by $421 after a speeding ticket but by $615 after a DUI. Consider exploring your options and comparing rates to find the cheapest car insurance for those with bad driving records.

Cheapest Car Insurance in North Charleston for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in North Charleston are:

  • Auto-Owners Insurance Co.: $2,491 per year for girls and $3,009 per year for boys
  • Travelers: $2,844 per year for girls and $3,606 per year for boys

The most expensive company is Bristol West, which costs $8,225 per year for girls and $8,006 per year for boys. Premiums for boys can be more expensive than for girls because insurers see boys as high-risk drivers. Car insurance from Auto-Owners Insurance Co. is $518 more expensive for boys. The difference disappears in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,186

$2,367

State Farm

$1,298

$2,591

State Farm

$1,359

$3,091

Travelers

$1,376

$2,453

State Farm

$1,403

$2,800

GEICO

$1,410

$4,003

Allstate

$1,442

$2,705

Auto-Owners Insurance Co

$1,468

$3,405

Travelers

$1,485

$2,551

Travelers

$1,492

$2,659

Auto-Owners Insurance Co

$1,499

$3,571

Travelers

$1,502

$2,874

Travelers

$1,529

$2,726

GEICO

$1,540

$4,370

Allstate

$1,578

$3,153

Allstate

$1,583

$2,970

Allstate

$1,584

$2,912

Auto-Owners Insurance Co

$1,586

$3,779

Allstate

$1,607

$3,014

GEICO

$1,622

$5,262

Travelers

$1,623

$2,789

Auto-Owners Insurance Co

$1,646

$4,321

Auto-Owners Insurance Co

$1,661

$3,853

Travelers

$1,665

$3,107

Travelers

$1,684

$3,262

GEICO

$1,684

$4,780

Auto-Owners Insurance Co

$1,686

$4,017

Auto-Owners Insurance Co

$1,716

$4,553

Travelers

$1,729

$2,971

Auto-Owners Insurance Co

$1,772

$4,111

Auto-Owners Insurance Co

$1,811

$5,065

Allstate

$1,824

$3,328

Auto-Owners Insurance Co

$1,836

$4,636

Allstate

$1,840

$3,669

Allstate

$1,875

$3,448

State Farm

$1,900

$2,589

Allstate

$1,905

$3,502

Travelers

$1,930

$3,602

Travelers

$1,937

$3,609

Travelers

$1,941

$4,155

GEICO

$1,974

$4,005

Auto-Owners Insurance Co

$2,004

$5,059

Auto-Owners Insurance Co

$2,018

$5,585

Allstate

$2,071

$3,874

State Farm

$2,082

$3,329

Auto-Owners Insurance Co

$2,094

$5,856

Auto-Owners Insurance Co

$2,113

$6,808

State Farm

$2,127

$2,898

Allstate

$2,152

$4,304

Auto-Owners Insurance Co

$2,179

$6,174

Travelers

$2,195

$5,172

GEICO

$2,239

$4,543

State Farm

$2,252

$3,588

Allstate

$2,272

$4,147

Travelers

$2,295

$4,277

Travelers

$2,315

$5,056

GEICO

$2,336

$5,456

State Farm

$2,347

$3,198

State Farm

$2,368

$4,246

State Farm

$2,368

$3,787

Auto-Owners Insurance Co

$2,388

$6,766

GEICO

$2,441

$4,951

Auto-Owners Insurance Co

$2,491

$8,227

Auto-Owners Insurance Co

$2,512

$8,028

State Farm

$2,521

$3,956

Allstate

$2,547

$5,311

State Farm

$2,697

$4,823

Travelers

$2,713

$6,425

Travelers

$2,713

$6,394

Allstate

$2,732

$5,110

GEICO

$2,734

$5,793

GEICO

$2,773

$5,547

Travelers

$2,844

$8,542

Auto-Owners Insurance Co

$2,861

$9,142

State Farm

$2,935

$5,250

State Farm

$2,939

$4,611

Progressive

$2,975

$3,723

Progressive

$2,989

$3,765

Auto-Owners Insurance Co

$3,009

$11,676

Allstate

$3,025

$5,548

State Farm

$3,061

$5,475

State Farm

$3,078

$6,217

Progressive

$3,092

$5,163

GEICO

$3,097

$6,562

GEICO

$3,135

$7,573

Allstate

$3,178

$5,829

Allstate

$3,236

$6,430

GEICO

$3,259

$7,474

GEICO

$3,267

$6,534

Progressive

$3,281

$4,132

Progressive

$3,310

$4,142

State Farm

$3,372

$6,001

Progressive

$3,385

$4,742

Travelers

$3,422

$8,104

Progressive

$3,459

$5,860

Progressive

$3,507

$4,418

Progressive

$3,512

$5,129

Travelers

$3,606

$11,086

Allstate

$3,616

$6,858

Progressive

$3,667

$4,590

Allstate

$3,806

$7,218

State Farm

$3,853

$6,857

State Farm

$3,869

$7,797

Allstate

$3,877

$7,981

GEICO

$3,950

$8,871

Progressive

$4,032

$16,905

GEICO

$4,100

$8,698

Progressive

$4,169

$8,427

Progressive

$4,368

$7,295

GEICO

$4,372

$10,293

Progressive

$4,431

$18,660

Progressive

$4,495

$19,956

GEICO

$4,546

$10,118

GEICO

$4,583

$10,293

Progressive

$4,645

$9,563

Progressive

$4,692

$19,673

GEICO

$4,769

$10,118

Bristol West

$4,794

$5,932

Progressive

$4,832

$8,185

Progressive

$4,888

$21,688

Bristol West

$4,958

$6,136

Bristol West

$4,965

$6,313

Bristol West

$5,007

$6,196

Progressive

$5,083

$21,405

Bristol West

$5,163

$6,169

Bristol West

$5,191

$6,764

Bristol West

$5,605

$6,697

Bristol West

$5,687

$7,786

Bristol West

$5,710

$7,371

Bristol West

$5,904

$7,055

Bristol West

$6,495

$11,101

Bristol West

$6,499

$10,846

Bristol West

$6,566

$9,945

Bristol West

$6,847

$10,487

Bristol West

$6,848

$11,705

Bristol West

$6,876

$8,959

Bristol West

$7,016

$11,709

Bristol West

$7,194

$9,848

Bristol West

$8,006

$18,247

Bristol West

$8,225

$18,626

Adding a teenager to a family policy is usually the best way to get the cheapest car insurance for teenagers. Car insurance for a 16-year-old boy under a family policy costs $3,487 per year while purchasing an individual policy for the same teenager costs $6,026 per year. By adding a teen to the family policy in South Charleston, you can save $2,539 annually.

Cheapest Car Insurance in North Charleston for Military Drivers

The cheapest car insurance companies for active or veteran military families in North Charleston are:

  • American National P&C: $536 per year
  • American Family: $920 per year

The same companies offer the cheapest car insurance for military drivers who want minimum coverage policies. American National P&C has the lowest premiums, averaging $308 per year. American Family is the second cheapest option, at $444 per year. You can also find affordable rates from USAA at $991 per year. The company tailors its offerings to the needs of those in the military.

Company
Annual Premium
Monthly Premium

American National P&C

$308

$26

American National P&C

$349

$29

American National P&C

$353

$29

American Family

$444

$37

Auto-Owners Insurance Co

$496

$41

USAA

$510

$43

Auto-Owners Insurance Co

$517

$43

USAA

$522

$44

American National P&C

$536

$45

American National P&C

$564

$47

American Family

$566

$47

USAA

$590

$49

American Family

$625

$52

State Farm

$628

$52

American National P&C

$633

$53

Auto-Owners Insurance Co

$635

$53

State Farm

$659

$55

South Carolina Farm Bureau

$703

$59

Allstate

$706

$59

GEICO

$755

$63

State Farm

$768

$64

South Carolina Farm Bureau

$776

$65

GEICO

$781

$65

Allstate

$795

$66

Allstate

$807

$67

Travelers

$877

$73

Progressive

$882

$74

Travelers

$916

$76

American Family

$920

$77

Travelers

$957

$80

Progressive

$958

$80

Auto-Owners Insurance Co

$958

$80

Auto-Owners Insurance Co

$968

$81

USAA

$974

$81

USAA

$991

$83

South Carolina Farm Bureau

$1,016

$85

GEICO

$1,038

$87

American Family

$1,107

$92

Progressive

$1,128

$94

USAA

$1,137

$95

State Farm

$1,159

$97

South Carolina Farm Bureau

$1,216

$101

Auto-Owners Insurance Co

$1,240

$103

State Farm

$1,245

$104

Allstate

$1,305

$109

American Family

$1,338

$112

South Carolina Farm Bureau

$1,359

$113

GEICO

$1,370

$114

Allstate

$1,400

$117

GEICO

$1,424

$119

Travelers

$1,453

$121

Travelers

$1,460

$122

Allstate

$1,463

$122

State Farm

$1,488

$124

Travelers

$1,626

$136

Progressive

$1,706

$142

South Carolina Farm Bureau

$1,733

$144

Bristol West

$1,816

$151

GEICO

$1,854

$155

Bristol West

$1,870

$156

Progressive

$1,892

$158

Dairyland

$2,242

$187

Progressive

$2,267

$189

Bristol West

$2,536

$211

Dairyland

$2,555

$213

Dairyland

$2,813

$234

Bristol West

$3,199

$267

Bristol West

$3,360

$280

Bristol West

$4,424

$369

Dairyland

$4,623

$385

Dairyland

$5,279

$440

Dairyland

$5,956

$496

How to Compare Cheap North Charleston Car Insurance Quotes Online

Getting an online car insurance quote in North Charleston, South Carolina, can take more than 15 minutes and requires you to input a lot of personal information. MoneyGeek’s car insurance calculator gives you a quick rate estimate using your age, car type, amount of coverage and driving history.

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Best Car Insurance in North Charleston: Summary

The best car insurance company depends on how you prioritize cost, customer service and coverages. American National P&C is the best in North Charleston, South Carolina, for the following categories:

  • Best overall: American National P&C (MoneyGeek score 83 out of 100)
  • Best for service: American National P&C (MoneyGeek score 67 out of 100)
  • Best cheap: American National P&C (MoneyGeek score 83 out of 100)

We altered the weightings for categories, so a company’s MoneyGeek scores may vary. GEICO has the best car insurance in South Carolina, while military drivers can also consider USAA, with a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in North Charleston

The best car insurance companies in North Charleston are:

  • American National P&C: MoneyGeek score 83 out of 100 ($536 per year)
  • Auto-Owners Insurance Co.: MoneyGeek score 79 out of 100 ($958 per year)

American National P&C received the best scores for affordability and customer satisfaction. It has the cheapest rates while providing quality customer service. USAA is one of the best options for drivers with a military background. It received a MoneyGeek score of 82 out of 100 and has an average premium of $991 per year.

How was this MoneyGeek score calculated?

American National P&C

pros

Has the cheapest premiums

Offers good customer service

Provides coverage for spare parts and rental car reimbursement

cons

Low claims management rating

Only has a few coverages

Does not have deductible modification

COMPANY HIGHLIGHTS

American National P&C is MoneyGeek’s top choice in North Charleston for its affordability and quality customer service. While it doesn’t offer many coverage add-ons, those available will benefit most drivers. American National P&C’s roadside assistance coverage 24-hour emergency services when you’re on the road. The rental car and/or travel reimbursement coverage pays for a rental when your car is in the shop for covered repairs.

The company’s gap insurance pays for the difference between how much your car is worth and what you own on a loan or lease if your car is totaled. American National P&C also offers an added coverage endorsement (ACE) that replaces any spare parts you carry in your vehicle if they are damaged in an accident, up to $1,000.

Best Car Insurance in North Charleston for Customer Service

Without considering affordability, the best companies for customer service in North Charleston are:

  • American National P&C: MoneyGeek score 67 out of 100 ($536 per year)
  • Auto-Owners Insurance Co.: MoneyGeek score 66 out of 100 ($958 per year)

American National P&C has the highest customer satisfaction and coverage scores. This company is also the most affordable option among the ones we reviewed, so customers don’t pay extra for quality customer service.

How was this MoneyGeek score calculated?

American National P&C

pros

Has a high customer service rating

Offers the essential coverages, such as roadside assistance, rental car reimbursement and gap insurance

Provides coverage for your car’s spare parts

cons

Has a low claims satisfaction rating

Does not have new car replacement coverage

COMPANY HIGHLIGHTS

American National P&C can help you with repairs, whether your car’s in the shop or on the road. If you’re experiencing car troubles while on the road, American National P&C can provide roadside assistance. It helps with emergency tire-changing, battery jump starts, gas delivery, lockout services, towing and windshield repair.

Rental car and/or travel reimbursement coverage is included in the company’s comprehensive or collision coverage. It pays for car rental expenses while your car is repaired after a covered incident. It will also cover lodging and meal expenses if the incident occurs when you are away from home.

American National P&C also offers policyholders gap insurance, a great add-on if you finance your vehicle. If you total your car, gap insurance pays for the difference between the car’s value and the amount remaining on your loan.

Best Cheap Car Insurance in North Charleston

If you’re looking for a balance of cost and service quality for minimum coverage policies, the best companies in North Charleston are:

  • American National P&C: MoneyGeek score 83 out of 100 ($308 per year)
  • Auto-Owners Insurance Co.: MoneyGeek score 81 out of 100 ($496 per year)

Policies that only meet South Carolina’s minimum coverage requirements have the most affordable rates but offer the least liability protection and don’t cover damages to your car.

How was this MoneyGeek score calculated?

American National P&C

pros

An affordable option, at $308 per year

Offers good customer service

Has bundling, multiple car and early signing discounts

cons

Below-average claims management score

Does not have OEM coverage

Only has three discounts

COMPANY HIGHLIGHTS

American National P&C received the highest affordability and customer satisfaction. The average premium for a minimum coverage policy is $308 per year. The company’s high customer service rating indicates you don’t need to sacrifice a quality customer experience for a lower price.

This company offers a discount if you have auto, home and life insurance policies with American National P&C. You can also get a discount if you insure multiple cars. Customers who apply for a policy before their current one expires also qualify for a premium discount.

You can also get cashback for insuring your car and house with this company if you stay claim-free for three years. The cashback will come in a check with a percentage of your premiums for the last three years.

Average Cost of Car Insurance in North Charleston

The average cost of car insurance in North Charleston is $1,382 per year, based on quotes for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. As of October 2022, it is $21 less than the average cost of car insurance in the U.S. and $138 more than the cost of car insurance in South Carolina. Location is just one factor that influences insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.