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What is the average cost of car insurance in North Charleston?

 

Car insurance coverage costs an average of $1,508 each year in North Charleston. That's greater than than the statewide average in South Carolina ($1,414) and less expensive than the national average of $1,548. Our guide to car insurance in North 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.

 
NORTH CHARLESTON AUTO INSURANCE RATES
North Charleston Average (yearly) South Carolina Average United States Average
$1,508 $1,414 $1,548
 
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North Charleston auto insurance rates by company

 

One of the most important determinants of your car insurance rates is the insurance company you work with. In North Charleston, USAA offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in North Charleston below. Use this information as a starting point and be sure to view quotes specific to your unique driving profile.

 
NORTH CHARLESTON CAR INSURANCE RATES BY COMPANY
Insurance Company Average Annual Rate
USAA $1,218
GEICO $1,356
Travelers $1,407
State Farm $1,461
Progressive $1,553
 

Check out our guide to learn how to find the best cheap car insurance.

 

Auto insurance premiums by age in North Charleston

North Charleston drivers in their 50s pay relatively affordable car insurance rates just $1,353 each year, on average. Those in their 60s don't pay significantly more ($1,392).

Teenage drivers pay North Charleston's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in North Charleston is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in North Charleston is $3,068, the largest such difference between any two age groups.

 
NORTH CHARLESTON CAR INSURANCE PREMIUMS BY DRIVER AGE
Age Average Yearly Rate
Teenagers $5,056
20s $1,987
30s $1,480
40s $1,425
50s $1,353
60s $1,392
70s $1,677
 

Learn more about how age influences auto insurance rates.

 

North Charleston car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. In North Charleston, married drivers pay $126 less than do single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. In North Charleston, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In North Charleston, the gap in car insurance rates between genders is $33 per year, with male drivers paying more than female drivers.

 
NORTH CHARLESTON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Annual Rate
Female $1,475
Male $1,508
Single $1,508
Married $1,382
Divorced $1,508
Widowed $1,473

 

North Charleston car insurance costs by violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

North Charleston drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $546 per year versus the city average. A ticket for speeding results in a $291 rate hike, on average, while a DUI violation costs $612per year in insurance premiums.

 
AVERAGE NORTH CHARLESTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Annual Rate
DUI/DWI $2,119
Reckless Driving $2,053
At-fault Accident (damages less than $1,000) $2,032
At-fault Accident (damages greater than $2,000) $2,151
Speeding Ticket (16-20 mph over speed limit) $1,798
 

Learn more about citations' impact on auto insurance rates.

 

North Charleston car insurance rates by credit tier

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In North Charleston, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In North Charleston, improving your credit to "Fair" could help you earn $1,276 in savings on insurance premiums each year.

 
NORTH CHARLESTON CAR INSURANCE RATES BY CREDIT SCORE
Credit Tier Average Annual Rate
Very Poor $3,062
Fair $1,785
Good $1,508
Very Good $1,393
Exceptional $1,269
 

Get additional information on how credit impacts car insurance costs.

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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.