North Charleston Car Insurance

The Zebra
May 30, 2018

Car Insurance in North Charleston

North Charleston is recognized for its costly premiums, as its mean premium surpasses South Carolina's average by 5%. Therefore cutting costs while insuring a vehicle in North Charleston is vital. Why don't we get started on how to save on car insurance in North Charleston?

  • City Average: $1,431
  • State Average: $1,361
  • National Average: $1,427

North Charleston Car Insurance by Accident or Violation History

Do you realize how much an accident or violation on your driving record can cost you in terms of premiums? Reckless driving will increase your car insurance premiums more than other driving violations. $743 is the extra cost per year for drivers with a DUI in North Charleston, compared to the city average of $1,431. Reckless driving will also bump your rates up, with average rates of $2,243, which are 57% higher than the city average! Nobody plans on being in an accident, but things happen, so be aware of how your rates can change following one. $672 is the amount by which you can expect your annual insurance premiums to rise in North Charleston if you have an at-fault accident on your driving record.

  • DUI: $2,174
  • Reckless Driving: $2,243
  • At-fault Accident (damages less than $1000): $2,103
  • At-fault Accident (damages greater than $2000): $2,103
  • Speeding Ticket (16-20 mph over speed limit): $1,717

North Charleston Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of 2.3x more on premiums than those in the top credit tier (800-850). Drivers will see the biggest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $617 per year.

  • Very Poor: $2,888
  • Fair: $2,271
  • Good: $1,789
  • Very Good: $1,490
  • Exceptional: $1,282

North Charleston Car Insurance by Gender and Marital Status

There are numerous factors, including gender and marital status, that play a part in car insurance premiums in North Charleston. Premiums for men tend to be 3% more expensive than for women. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single can cost you around 5% more per year compared to being married.

  • Female: $1,395
  • Male: $1,431
  • Single: $1,431
  • Married: $1,364
  • Divorced: $1,431
  • Widowed: $1,405

North Charleston Car Insurance by Age

The largest fall in premiums for North Charleston drivers happens when they hit their 20s. Once out of the teenage age bracket, people save an average of 62% annually. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can expect premium reductions when they transition between age groups. With typical car insurance payments of $5,151, teenage drivers have the biggest premiums of any age group. Drivers in their 50s save money on car insurance premiums, as they have the lowest rates among all age groups, paying only $1,313 annually. However, people in their 60s and 40s aren't paying significantly more, with premiums of $1,357 and $1,378, respectively.

  • Teenagers: $5,151
  • 20s: $1,971
  • 30s: $1,414
  • 40s: $1,378
  • 50s: $1,313
  • 60s: $1,357
  • 70s: $1,640

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