Charleston Car Insurance

The Zebra
May 30, 2018

Car Insurance in Charleston

Charleston has premiums that are relatively consistent with the state average, as they are within $32 of one another. Keep some money in your pocket by following the tips below about how to save on car insurance in Charleston.

  • City Average: $1,393
  • State Average: $1,361
  • National Average: $1,427

Charleston Car Insurance by Gender and Marital Status

There are numerous factors, including gender and marital status, that can play a role in car insurance premiums in Charleston. Premiums for men and women typically deviate by 3%, with women paying less. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save an average of $68 per year if you're married as opposed to single.

  • Female: $1,355
  • Male: $1,393
  • Single: $1,393
  • Married: $1,325
  • Divorced: $1,393
  • Widowed: $1,366

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Charleston Car Insurance by Credit Rating

Individuals with Exceptional credit (800-850) pay an average of $1,549 less every year on premiums than those with Very Poor credit (300-579). In terms of percent change, shifting from Very Poor (300-579) to Fair (580-669) has the greatest favorable impact on premiums, as it saves drivers close to 21% per year.

  • Very Poor: $2,796
  • Fair: $2,204
  • Good: $1,740
  • Very Good: $1,450
  • Exceptional: $1,247

Charleston Car Insurance by Age

Looking across all age groups, drivers in their 50s tend to have the lowest car insurance payments. Their rates usually average $1,275. Those in their 60s ($1,317) have premiums that aren't much higher. Charleston drivers see the largest fall in premiums when they reach their 20s, as they pay an average of 62% less after moving out of the teenage age bracket. Car insurance premiums continue to trend downward up until drivers hit 60. With typical rates of $5,051, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $5,051
  • 20s: $1,926
  • 30s: $1,376
  • 40s: $1,340
  • 50s: $1,275
  • 60s: $1,317
  • 70s: $1,595

Charleston Car Insurance by Accident or Violation History

Accidents and violations can cost you in terms of car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Charleston have rates 52% greater than the city average ($1,393). Reckless driving will also push your rates up, with average rates of $2,178! Nobody plans on being in an accident, but life happens, so be aware of what one can do to your rates. For individuals in Charleston with at-fault accidents, $659 is the increase that can be expected to annual insurance premiums.

  • DUI: $2,117
  • Reckless Driving: $2,178
  • At-fault Accident (damages less than $1000): $2,052
  • At-fault Accident (damages greater than $2000): $2,052
  • Speeding Ticket (16-20 mph over speed limit): $1,674