Charleston, SC Car Insurance

What's the average car insurance rate in Charleston?


Car insurance costs an average of $1,470 per year in Charleston, South Carolina. That's more than the average across South Carolina ($1,414) and less expensive than the national average of $1,548. Our guide to car insurance in Charleston — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


CAR INSURANCE RATES IN CHARLESTON
Charleston Average (annual)South Carolina AverageNational Average
$1,470$1,414$1,548

Jump to Charleston car insurance premiums by:

Compare rates now:

Location pin icon
No spam. We take your privacy seriously.


Charleston car insurance costs by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to 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.


CHARLESTON AUTO INSURANCE PREMIUMS BY COMPANY
CompanyAverage Annual Rate
USAA$1,176
GEICO$1,262
State Farm$1,351
Travelers$1,436
Progressive$1,602

Read our guide to finding the best cheap auto insurance.



Auto insurance premiums by age in Charleston

The age bracket that pays the least for auto insurance in Charleston consists of drivers in their age_50s, who pay an average of $1,313. Those in their age_60s don't pay significantly more ($1,353).

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 CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$5,005
20s$1,943
30s$1,442
40s$1,386
50s$1,313
60s$1,353
70s$1,636

Learn more about the impact of age on car insurance premiums.



Charleston car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Charleston pay $127 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Charleston, widowed drivers pay less than those who are single.

Gender is another factor that can affect car insurance rates. In Charleston, male drivers pay $34 more per year for car insurance than do female drivers.


CHARLESTON CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,436
Male$1,470
Single$1,343
Married$1,343
Divorced$1,470
Widowed$1,435

Learn more about the impact gender and marital status have on insurance rates.



Charleston car insurance premiums by citation and accident history


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, 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 CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DUI/DWI$2,067
Reckless Driving$2,008
At-fault Accident (damages < $1,000)$1,994
At-fault Accident (damages > $2,000)$2,109
Speeding Ticket (16-20 mph over speed limit)$1,760

Learn more about the impact of driving violations on car insurance rates.



Charleston car insurance premiums by credit level


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 $1,224 decrease in annual car insurance rates.


CHARLESTON AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Annual Rate
Very Poor$2,964
Fair$1,740
Good$1,470
Very Good$1,357
Exceptional$1,236

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.