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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Charleston?

Car insurance costs an average of $735 for six months in Charleston. That's more than the average across South Carolina ($707) and less expensive than the national average of $880. Our guide to Charleston auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!

Car insurance in Charleston vs. South Carolina Average 6 Mo. Premium
Charleston average $735
South Carolina average $707

The Zebra's key takeaways about car insurance in Charleston:

  • The average cost of a car insurance policy in Charleston is $735 per six-month policy — $122 per month.
  • The cheapest company in Charleston is Georgia Farm Bureau ($588).
  • 40% of Zebra customers in Charleston stated they used our product because they were for car insurance with their current provider.

Are you paying too much for auto insurance?

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Charleston car insurance rates by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Charleston's cheapest rates. See below the best companies for cheap auto insurance in Charleston — but don't forget to get personalized car insurance quotes to match your driving profile.

Cheapest car insurance companies in Charleston, SC
Company Avg. 6 Mo. Premium
USAA $588
GEICO $631
State Farm $675
Travelers $718
Progressive $801

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Charleston.

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Charleston auto insurance rates by age

Our data tells us that drivers between the ages of 30-39 make up 32% of Charleston drivers. The age bracket that pays the least for auto insurance in Charleston consists of drivers in their 50s, who pay an average of $656 per six-month policy. Those in their 60s don't pay significantly more ($676).

The Charleston drivers who face the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Charleston is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Charleston is $3,061, the largest such difference between any two age groups.

Charleston auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,502
20s $971
30s $721
40s $693
50s $656
60s $676
70s $818

Charleston car insurance rates by credit score

It's no secret credit score is closely correlated with car insurance rates. In fact, Charleston drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 58% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Charleston, improving your credit to "Fair" could help you earn a $612 decrease in six-month car insurance rates. Our data tells us 34% of drivers in Charleston have a credit score of average (580-679). 

credit score
Charleston auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,482
Fair $870
Good $735
Very Good $678
Exceptional $618

Charleston car insurance rates by violation

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Charleston, a reckless driving citation results in an average insurance rate increase of $538 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $597 increase and a speeding ticket triggers a $290 rate hike.

Charleston auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,033
Reckless Driving $1,044
At-fault Accident (damages < $1,000) $997
At-fault Accident (damages > $2,000) $1,054
Speeding Ticket (16-20 mph over speed limit) $880

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.