Cheapest Car Insurance In Charleston, SC 2024
GEICO’s average rate for minimum coverage car insurance in Charleston is $37 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, GEICO offers the most savings. Progressive is the go-to for cost-effective full coverage, while young drivers should look to State Farm 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 GEICO, which costs about $37 a month.
You can find rate comparisons for different insurance companies in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Cheapest Full Coverage Insurance Rates In Charleston: Allstate
At $92 a month on average, Progressive 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 |
| Allstate | $91 | $1,084 |
| Progressive | $133 | $1,597 |
| Auto-Owners | $84 | $1,008 |
| GEICO | $134 | $1,604 |
| State Farm | $120 | $1,420 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
In Charleston, seniors get the best car insurance rates from State Farm, averaging $87 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 | $89 | $1,063 |
| State Farm | $101 | $1,205 |
| Allstate | $99 | $1,184 |
| Mercury | $113 | $1,350 |
| Progressive | $130 | $1,537 |
Cheapest Rates In Charleston For Teenagers: Allstate
Teenage drivers in Charleston can save the most on car insurance with State Farm, which has average premiums of $313 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 |
| Allstate | $179 | $2,140 |
| State Farm | $304 | $3,622 |
| Auto-Owners | $280 | $3,270 |
| GEICO | $298 | $3,566 |
| Progressive | $360 | $4,320 |
Cheapest Auto Insurance For Young Adults in Charleston: Allstate
For young adults in Charleston, State Farm provides the lowest rates, with an average cost of $238 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 |
| Allstate | $96 | $1,144 |
| State Farm | $149 | $1,782 |
| Auto-Owners | $120 | $1,430 |
| GEICO | $202 | $2,422 |
| Progressive | $168 | $1,972 |
Cheapest Car Insurance In Charleston For Good Drivers: Auto-Owners
For good drivers in Charleston, Auto-Owners offers the most affordable car insurance, averaging around $37 per month.
Good drivers can refer to the table below to compare average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Find affordable Charleston rates
Cheapest Car Insurance In Charleston After A Speeding Ticket: Auto-Owners
In Charleston, Auto-Owners stands out as a low-cost option, offering average rates of $96 per month for drivers with speeding violations on their record.
Use the table below to see average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $96 | $1,142 |
| State Farm | $134 | $1,606 |
| Country Financial | $104 | $1,240 |
| Allstate | $103 | $1,230 |
| Progressive | $179 | $2,142 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, Auto-Owners offers the most affordable car insurance rates, with an average monthly premium of $108.
Here’s a list of car insurance companies providing the most affordable rates for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $108 | $1,290 |
| Country Financial | $110 | $1,304 |
| State Farm | $146 | $1,750 |
| GEICO | $198 | $2,372 |
| Progressive | $249 | $2,980 |
Cheapest Rates In Charleston For Drivers After A DUI: Allstate
For Charleston drivers who have a DUI, Allstate offers the most affordable insurance rates, averaging $123 per month.
Below is a table highlighting the most affordable rates for Charleston drivers who have a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $123 | $1,474 |
| State Farm | $134 | $1,604 |
| Progressive | $218 | $2,610 |
| GEICO | $496 | $5,940 |
| Country Financial | $126 | $1,505 |
Best Car Insurance Companies In Charleston
Drivers in Charleston can get the best insurance deals from Auto-Owners at $37 per month. Other options to consider include Allstate at $59 and Country Financial at $39 monthly.
The following shows the top 10 car insurance companies in Charleston, SC, organized by their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $37 |
| State Farm | $65 |
| Allstate | $59 |
| Country Financial | $39 |
| GEICO | $65 |
| Mercury | $50 |
| Progressive | $58 |
| Farm Bureau | $60 |
| Safeco | $49 |
| Direct | $40 |
| Mile Auto | $52 |
Average Auto Insurance Rates In Charleston – By Age
One major factor that influences car insurance rates is age. Younger drivers usually have higher premiums due to their limited driving experience and a higher risk of accidents and violations. Teenagers can anticipate spending about $8,180 each year on car insurance.
Drivers often see a decrease in their insurance premiums when they reach 25 years of age, as long as they have a spotless driving history.
The best insurance rates are typically available to drivers in their 50s and early 60s. Insurers consider age as a measure of driving experience and risk, influencing how much premiums cost.
| Age | Average Yearly Rate |
| Teenagers | $8,180 |
| 20s | $3,546 |
| 30s | $2,440 |
| 40s | $2,260 |
| 50s | $2,11o |
| 60s | $2,080 |
| 70s | $2,050 |
Average Cost Of Auto Insurance In Charleston – By Zip Code
Zip codes play a crucial role in helping insurance companies evaluate crime rates in a region, resulting in different car insurance premiums for each zip code.
Below is a table where you can find the average insurance premiums for different zip codes in Charleston.
| Zip Code | Average Monthly Rate |
| 30349 | $257 |
| 30314 | $240 |
| 30310 | $229 |
| 30326 | $187 |
| 30341 | $195 |
Average Rates In Charleston – By Vehicle
| Vehicle | Average Monthly Rate |
| Nissan Sentra | $589 |
| Chevrolet Camaro | $620 |
| Toyota Camry | $60 |
| Acura MDX | $64 |
| Ford Fusion | $70 |
How Much Is Car Insurance In Other Cities In South Carolina?
| City | Average Monthly Rate |
| Clemson | $106 |
| Columbia | $138 |
| Florence | $132 |
| Greenville | $115 |
| Hilton Head Island | $100 |
| Rock Hill | $114 |
| Spartanburg | $115 |
| Sumter | $130 |
| West Columbia | $123 |
| Anderson | $100 |
Find affordable Charleston rates
Our Methodology
Based on extensive analysis covering customer service ratings, product offerings, pricing, and thorough assessments from multiple online review platforms and user feedback, I have developed a comprehensive understanding of the car insurance provider landscape in Charleston, South Carolina. This perspective is informed by over 15 years of active engagement in the industry as a licensed insurance agent. It incorporates numerous interactions with representatives from different companies and insights gained through firsthand experiences.
Quotes Analyzed
Years of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Charleston?
In Charleston, the lowest car insurance rates are offered by Auto-Owners for both the minimum coverage required by the State of South Carolina and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Charleston?
The average cost of car insurance in Charleston is approximately $145 per month. Rates may vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.
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