Cheapest Car Insurance In Charleston, SC 2024
Auto-Owners average rate for minimum coverage car insurance in Charleston is $40 monthly, making it the most budget-friendly option.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Charleston, SC, the cost of car insurance can fluctuate greatly when you’re looking for the cheapest option.
For liability-only coverage, Auto-Owners offers the most savings. State Farm is the go-to for cost-effective full coverage, while young drivers should also look to Auto-Owners for the best deals.
Cheapest Car Insurance Companies In Charleston, SC
Cheapest Liability-only Car Insurance In Charleston: Auto-Owners
Charleston drivers find the cheapest minimum coverage car insurance with Auto-Owners, which costs about $40 a month.
You can find rate comparisons for different insurance companies in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $40 | $480 |
| State Farm | $53 | $635 |
| Allstate | $61 | $726 |
| South Carolina Farm Bureau | $57 | $678 |
| Travelers | $76 | $908 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
In Charleston, seniors get the best car insurance rates from Auto-Owners, averaging $79 per month.
The table provides a comparison of average quotes from low-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $79 | $950 |
| State Farm | $93 | $1,118 |
| American Family | $89 | $1,065 |
| Allstate | $118 | $1,410 |
| Progressive | $128 | $1,536 |
Cheapest Full Coverage Insurance Rates In Charleston: State Farm
At $99 a month on average, State Farm offers the least expensive full coverage car insurance in Charleston.
Check out the table below for average quotes from budget-friendly auto insurance providers in Charleston.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $99 | $1,190 |
| Travelers | $126 | $1,514 |
| Farm Bureau | $101 | $1,208 |
| Allstate | $110 | $1,315 |
| Progressive | $140 | $1,684 |
Cheapest Auto Insurance For Young Adults in Charleston: Auto-Owners
For young adults in Charleston, Auto-Owners provides the lowest rates, with an average cost of $101 per month.
You’ll find a comparison of the cheapest auto insurance rates for young adults in Charleston in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $101 | $1,215 |
| State Farm | $119 | $1,424 |
| Allstate | $122 | $1,470 |
| GEICO | $141 | $1,692 |
| Progressive | $171 | $2,048 |
Cheapest Rates In Charleston For Teenagers: State Farm
Teenage drivers in Charleston can save the most on car insurance with State Farm, which has average premiums of $245 per month.
You’ll find a list of companies offering the cheapest insurance rates for teenagers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $245 | $2,940 |
| Allstate | $270 | $3,244 |
| Travelers | $246 | $2,953 |
| GEICO | $343 | $4,110 |
| Progressive | $338 | $4,052 |
Cheapest Car Insurance In Charleston For Good Drivers: Auto-Owners
Good drivers in Charleston can save on car insurance with Auto-Owners, whose average rates are $40 per month.
Good drivers can use the table below to view average quotes from the cheapest insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $40 | $480 |
| State Farm | $53 | $635 |
| Allstate | $61 | $726 |
| South Carolina Farm Bureau | $57 | $678 |
| Travelers | $76 | $908 |
Find affordable Charleston rates
Cheapest For Drivers With After At-Fault Accident: American Family
In terms of affordability for drivers with an at-fault incident, American Family leads with average rates of $96per month.
Check out these car insurance companies with the cheapest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $96 | $1,150 |
| Auto-Owners | $110 | $1,320 |
| State Farm | $122 | $1,466 |
| GEICO | $156 | $1,870 |
| Progressive | $245 | $2,942 |
Cheapest Rates In Charleston For Drivers After A DUI: State Farm
The cheapest insurance for drivers in Charleston with a DUI is from State Farm, at $110 per month on average.
See the table below for the most budget-friendly rates for drivers in Charleston with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $110 | $1,315 |
| Allstate | $155 | $1,862 |
| Travelers | $189 | $2,264 |
| GEICO | $260 | $3,118 |
| Bristol West | $328 | $3,936 |
Cheapest Car Insurance In Charleston After A Speeding Ticket: Auto-Owners
For drivers in Charleston with a speeding ticket, Auto-Owners provides low rates, averaging $86 a month.
The table below helps you compare average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $86 | $1,034 |
| State Farm | $110 | $1,319 |
| Farm Bureau | $112 | $1,340 |
| Allstate | $146 | $1,746 |
| Progressive | $185 | $2,217 |
Best Car Insurance Companies In Charleston
For Charleston drivers, Auto-Owners offers the most affordable insurance at $40 per month. State Farm and American Family are close options, with rates of $53 and $41, respectively.
Shown here are Charleston, CA’s top 10 car insurance companies, ranked according to their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $40 |
| State Farm | $53 |
| American Family | $41 |
| Allstate | $61 |
| South Carolina Farm Bureau | $57 |
| Travelers | $76 |
| GEICO | $59 |
| Progressive | $75 |
| American National | $30 |
| Dairyland | $260 |
| Bristol West | $150 |
How Much Is Car Insurance In Other Cities In South Carolina?
Where you live affects your car insurance costs considerably. Insurers take into account location-related risks, including the frequency of accidents, theft, and vandalism, which are more prevalent in cities and can raise your rates.
For instance, car insurance costs about $172 per month for drivers in Columbia, while Hilton Head Island residents pay closer to $100 on average.
| City | Average Monthly Rate |
| Clemson | $106 |
| Columbia | $172 |
| Florence | $159 |
| Greenville | $138 |
| Hilton Head Island | $100 |
| Rock Hill | $140 |
| Spartanburg | $148 |
| Sumter | $165 |
| West Columbia | $123 |
| Anderson | $120 |
Average Auto Insurance Rates In Charleston – By Age
Age is a critical element in calculating car insurance costs. Younger, less experienced drivers are more expensive to insure, with teenage drivers paying an average of $2,512 annually.
At 25 years of age, drivers often experience a decrease in their insurance rates if they’ve kept a clean driving record.
The most attractive insurance rates are usually reserved for drivers in their 50s and early 60s. Insurers consider age to assess experience and risk, which shapes premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,512 |
| 20s | $990 |
| 30s | $731 |
| 40s | $698 |
| 50s | $672 |
| 60s | $680 |
| 70s | $822 |
Average Rates In Charleston – By Vehicle
Insurance companies calculate rates based on your vehicle’s characteristics, such as make, model, year, and body type. High-tech, newer, or luxury cars with expensive replacement costs typically have higher insurance prices.
The table below outlines average insurance rates in Charleston for a variety of vehicle types.
| Vehicle | Average Monthly Rate |
| Nissan Sentra | $589 |
| Chevrolet Camaro | $620 |
| Toyota Camry | $60 |
| Acura MDX | $64 |
| Ford Fusion | $70 |
Average Cost Of Auto Insurance In Charleston – By Zip Code
Zip codes are a tool for insurers to determine local crime rates, resulting in different insurance costs for each area.
Use the table below to compare average insurance rates for Charleston zip codes.
| Zip Code | Average Monthly Rate |
| 29401 | $135 |
| 29455 | $68 |
| 29405 | $149 |
| 29407 | $180 |
| 29409 | $69 |
Find affordable Charleston rates
Our Methodology
Through a well-rounded analysis that looks at customer service, product offerings, pricing, and feedback from online platforms and user experiences, I’ve assembled a comprehensive assessment of Charleston, SC car insurance providers.
Quotes Analyzed
Years of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Charleston?
Auto-Owners offers the lowest car insurance rates in Charleston for the minimum required by California, while State Farm provides the best rates for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Charleston?
The typical car insurance cost in Charleston is around $170 per month, though your premium may vary based on factors like your zip code, car type, and driving history.
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