Compare the Cheapest Car Insurance Quotes in North Charleston

The average car insurance rate in North Charleston is 8.6% higher than the state average at $1,237 annually. GEICO offers the cheapest car insurance in the city at approximately $973 per year. MoneyGeek analyzed various policies across coverage levels and driving histories to help you find the best rates. Based on our research, we have recommended the city’s best providers that prioritize cost and quality service.

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Last Updated: 11/25/2022
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The cost of your car insurance will depend on your preferred coverage and driving record. In North Charleston, GEICO is the cheapest company for full coverage and state minimum car insurance. It also offers the most affordable policy for drivers with a speeding ticket. USAA is the recommended provider for military families. Overall, Auto-Owners Insurance Co provides the best rates and customer service in North Charleston.

iconribbonbestauto insuranceNorth Charleston2022

The Cheapest and Best Car Insurance in North Charleston

The Cheapest Car Insurance Companies in North Charleston

The car insurance companies that offer the cheapest full coverage policy in North Charleston are:

  • GEICO: $973 per year
  • Allstate: $1,144 per year

If you have a military background, USAA provides the second cheapest full coverage policy in the city at $1,012 per year.

Full coverage car insurance includes both comprehensive and collision coverage. In North Charleston, insuring your car with GEICO costs 65.3% less than a comparative policy with Progressive, which has the most expensive policies at $1,608 per year. However, your premium may fluctuate based on your elected liability limits.

Cheapest Car Insurance in North Charleston
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $973
  • 2.
    USAA
    $1,012
  • 3.
    Allstate
    $1,144
  • 4.
    State Farm
    $1,183
  • 5.
    Nationwide
    $1,256
  • 6.
    Travelers
    $1,258
  • 7.
    Progressive
    $1,608

In accordance with our methodology, MoneyGeek collected average car insurance rates in North Charleston for a 40-year-old male driver with a full coverage policy.

A full coverage policy has both comprehensive and collision insurance. While this type of policy is more expensive than minimum coverage, it provides extra protection in the event of an accident.

  • Comprehensive insurance covers damage to your car caused by non-accident incidents, such as theft, vandalism, animal damage and weather-related occurrences.
  • Collision insurance pays for any damage to your car caused by collision-related accidents.

That said, if you have an older car, getting liability-only insurance or state minimum car insurance may be a better option. Full coverage can be more costly than the value of an older vehicle.

Compare Car Insurance Rates in North Charleston

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

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Insurance Rates

Cheapest Car Insurance in North Charleston for Minimum Coverage

In North Charleston, a state minimum coverage policy is the cheapest car insurance available. The companies with the most affordable rate for this policy are the following:

  • GEICO: $545 per year
  • Allstate: $604 per year

USAA is the second cheapest company in the city, offering its state minimum coverage policy at $537 per year. However, USAA is exclusive to military members and their families.

GEICO’s rate is $309 cheaper than a comparative policy from Progressive, the most expensive provider in the city. Although purchasing minimum insurance is the most affordable option in North Charleston, it has low levels of coverage. The table below can show you how much it will cost if you change your liability limits.

Cheapest Minimum Liability Car Insurance in North Charleston
State Minimum

South Carolina drivers are required to carry a policy with 25/50/25 liability insurance and uninsured motorist coverage. This is the cheapest car insurance you can purchase in North Charleston.

While a state minimum coverage policy can help you save money on insurance costs, you may end up paying more out of pocket if an accident occurs. For instance, if you’re at-fault in an accident and the other driver’s medical bills total $50,000, your insurance provider will only cover $25,000. Subsequently, the remaining $25,000 will be your responsibility out of pocket.

South Carolina 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 and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in North Charleston if You Have Driving Violations

Your car insurance premium will be more expensive if you have a driving violation on your record, such as a speeding ticket, at-fault accident or DUI. If you’re looking for the cheapest rate after a violation, the following car insurance companies in North Charleston offer the most affordable options:

  • Cheapest after a ticket: GEICO at $973 per year
  • Cheapest after an at-fault accident: State Farm at $1,415 per year
  • Cheapest after a DUI: State Farm at $1,276 per year

You can lower the cost of your car insurance by improving your driving record over time. In the meantime, your best alternative is to shop around and find which insurance provider has the best cheap car insurance for drivers with poor records.

Cheapest Car Insurance in North Charleston With a Violation
Speeding Ticket

Average Cost of Car Insurance in North Charleston

North Charleston$1,237
SC$1,139
U.S.$1,424

In North Charleston, drivers pay an average of $1,237 per year for car insurance. This rate is higher than the state average but lower than the national average. North Charleston drivers pay 8.6% more for insurance premiums compared to other drivers in the state. However, they spend 13.1% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in North Charleston

Car insurance companies in North Charleston consider your car make and model, age, gender, ZIP code, and coverage level when calculating your insurance rates. It’s highly encouraged to compare quotes from several providers when shopping for car insurance to get the best rates, discounts and other savings.

Compare Car Insurance Rates in North Charleston

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

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Insurance Rates

The Best Car Insurance Companies in North Charleston

MoneyGeek’s study to identify which company offers the best full coverage car insurance in North Charleston considered multiple factors. These include user satisfaction, claims experience and cost.

Our analysis showed that North Charleston’s top insurers are:

  • GEICO: MoneyGeek score of 95.2 out of 100
  • State Farm: MoneyGeek score of 87.60 out of 100

Although we didn’t include USAA in our rankings because its policies are only available to military members and their families, it earned an overall MoneyGeek score of 96.0. That makes it the best car insurance option in North Charleston for drivers with a military background.


1
GEICO
Score:95

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

First on our list of the best auto insurance companies in North Charleston is GEICO. It ranks second for user satisfaction but tops both claims experience and affordability. A policy costs $973 per year, on average. GEICO also offers add-on-coverages, such as accident forgiveness.

More About GEICO

Accident forgiveness coverage prevents your premium from increasing after your first at-fault accident. It’s an excellent option to keep your insurance costs down You can buy this add-on coverage if you want to customize your GEICO policy. However, you can also earn accident forgiveness if you’re over 21 and remain claims-free for five years. GEICO’s mechanical breakdown insurance (MBI), protects all parts and systems, unlike extended warranties dealers offer that only cover a specific list of items for a lower rate. However, only vehicles that are less than 15 months old and have less than 15,000 miles are eligible.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Second place goes to State Farm, which ranked first for user satisfaction and claims experience but second for affordability. A car insurance policy in North Charleston costs, on average, $1,183 annually. It also offers add-on coverages like rental car or travel reimbursement.

More About State Farm

Although you don’t have many options for add-on coverages, you can still personalize your car insurance in North Charleston to meet your specific needs and preferences. If you often travel and rent a car during your trip, State Farm’s travel or car rental reimbursement can help you with your expenses. It covers the cost of renting a car up to your limits and shoulders expenses for meals, lodging or transportation up to $500. Those who drive for a Transportation Network Company (TNC) in North Charleston may want State Farm’s rideshare insurance coverage. This coverage ensures that you’re protected when your app is on, even if you’ve available. This add-on coverage extends all coverages included in your personal auto insurance policy, except for liability insurance, once you have a passenger.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

Insurance providers usually consider your location to calculate the cost of your premiums. Neighborhoods where accidents or car thefts often occur tend to have higher rates. In North Charleston, there’s a $50 difference between ZIP codes 29405 and 29418. Drivers living in 29405 pay about $1,212 per year. Meanwhile, those in 29418 pay $50 more at an average of $1,262 per year since they are living in the city’s most expensive ZIP code.

  • Zip Code
    State Minimumper year
  • 29405
    $1,212
  • 29418
    $1,262

Factors That Impact Insurance Costs in North 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 North Charleston. How North 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 Fatalities4th/300
handcuffs2 icon
Most Car Thefts162nd/300
uninsured icon
Most Uninsured Motorists by State37th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall38th/300
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Most Rainy Days137th/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.