Charleston, SC Auto Insurance Rates

Charleston, SC residents can save $410 by comparing multiple quotes & reading reviews & research on Charleston car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

$643 $1019 $1246

Latest Auto Insurance Reviews in Charleston, South Carolina

State Farm
I have had very good experience with my car insurer State Farm. I have a local agent I can call or visit if I have a question, concern, or claim.
I use to have state farm and have a very similar policy at a better price, They offer everything I need and want in a policy. I like to pay a bit more for a better, lower out of pocket cost.
State Farm
I pay no more then $100 for my deductible and my premium is low to which makes if super affordable.
Customer service is always very good. They are easy to speak with on the phone, explain the policy and are very quick to handle paperwork
My car insurance company Access auto insurance is having better premiums than other car insurance companies.Access is having high claim values for motor accident cases.
State Farm
It's about the professional service too ...Great customer service.No one department/location knows what is going in another department.
I have the second to last best policy for my car, the prices they offer tend to be on the high side and it is a lot more complicated and expensive for younger driver to get it.
American National Property And Casualty Company
The local office is very small, maybe 3 employees, they are very friendly and love the help people. Even when I have had to call the corporate office they were still nice and willing to help out.
21st Century Auto Insurance
This company did a good job of making me feel like an individual and like they had my best interests at heart. They took the time to listen to me and make me feel valued.
Thankfully, I've never had to really use my insurance to pay for repairs on my car, however it's nice knowing I have a comprehensive policy.
Haulers Insurance
What I like about this insurance company is that the premiums are low and it is simple to add additional vehicles to our existing policy by simply calling our agent.
They are all very similar, I have recently switched and I do not see a difference
Write Your Review | Charleston, South Carolina Auto Insurance Analysis
State Farm Auto Insurance, Charleston, SC
$57/1 month
Car Insurance Policy Holder
  • Married 26 Years old Female licensed 6 years ago with Financed Toyota Sequoia Limited used for Business with estimated annual mileage of 20,001+.
  • less than high school education & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Charleston Car Insurance Rate Comparisons

Charleston, SC's average car insurance of $1019 differs from Johns Island, SC (+$581), West Ashley, SC (+$491), Lincolnville, SC (+$531) and South Carolina (+$142)

Charleston Johns Island, SC West Ashley, SC Lincolnville, SC South Carolina
Median Insurance Rates $1019 +$581 +$491 +$531 +$142

Charleston Car Insurance Savings By Neighborhood & Street Area

Charleston Driver Street Residence & Car Locations Car Details in Charleston Charleston Driver Demographics Charleston Auto Insurance Estimates Recent Charleston Insurance Savings
Remleys (historical)
Cooke St2008 Mazda MAZDA3 i Touring18 year teenager$3092$412
Wando Landing St2006 Buick LaCrosse CXS53 year married woman$850$633
Schooner St2009 Ford Fusion SE41 year woman$953$893
Gehlkin (historical)
Vanderhorst Ct2006 Chrysler 300 C83 year senior$1655$694
Peach Blossom Ln2010 Toyota Prius V41 year man$1544$875
Bluffview Ln2005 Chevrolet Silverado 2500HD Work Truck19 year male teenager$3578$864
Other Area
Cherry Tree2014 Volkswagen Jetta S17 year female teenager$3120$891
Pelican Path2007 Audi A4 2.0T65 year female senior$1884$613
Bamberg Cir2008 Jeep Liberty Sport41 year married man$1398$653
French Quarter Creek Rd2010 Lincoln MKZ Base80 year male senior$1935$455

Charleston Post DUI Car Insurance Rates

Charleston Goose Creek-Hanahan Sullivan's Island Ladson South Carolina
Median Post DUI Insurance Rate $1895 +$58 +$1062 +$485 +$264
Male Teenager Post DUI Insurance Rate $6292 +$191 +$3525 +$1611 +$876
Female Teenager Post DUI Insurance Rate $5686 +$173 +$3186 +$1456 +$792

The Post DUI insurance in Charleston, SC's is $1895 compared to Goose Creek-Hanahan (+$58), Sullivan's Island (+$1062), Ladson (+$485) and South Carolina (+$264)

In Charleston, a male teenager with Post DUI pays $606 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2009 Ford Fusion SE in Charleston, SC would pay $6329 on auto insurance while a female teenager POST DUI would pay $5719.

Charleston Car Insurance by Segment

Charleston Teenagers Car Insurance Rates Comparison

8676 Charleston Teenagers (7% of total population), 48% Male & 52% Female.

Charleston Ravenel Ladson West Ashley South Carolina
All Teenagers $3107 +$1163 +$797 +$1498 +$434
Male Teenager $3383 +$1265 +$866 +$1630 +$471
Female Teenager $3057 +$1143 +$783 +$1473 +$426

Charleston teenagers pay $3107 in insurance in contrast with Ravenel (+$1163), Ladson (+$797), West Ashley (+$1498) and South Carolina (+$434). The difference between Male & Female teenagers in Charleston is $326


  • 2013 Honda Civic LX Male Teenager Insurance Rate $3220
  • 2014 Hyundai Sonata GLS Female Teenager Insurance Rate $3120

Charleston Men & Women Car Insurance

120903 Charleston Adults (100% of total population), 47% Men & 53% Women.

Charleston Lincolnville Ravenel James Island South Carolina
All Women $947 +$494 +$355 +$485 +$132
Married Women $855 +$447 +$321 +$438 +$120
All Men $1548 +$808 +$580 +$792 +$216
Married Men $1538 +$802 +$576 +$787 +$215

The typical insurance rate of $1548 that Charleston Men pay varies from Lincolnville (+$808), Ravenel (+$580), James Island (+$792) and South Carolina (+$216). In Charleston, married men pay $683 more than married women.


  • 2014 Kia Sorento LX Married Men Insurance Rate $1583
  • 2013 Dodge Journey Crew Married Women Insurance Rate $1614

Charleston Senior Car Insurance

20500 Charleston Seniors (16% of total population), 42% Senior Men & 58% Senior Women.

Charleston Goose Creek-Hanahan Goose Creek North Charleston South Carolina
All Seniors $1650 +$51 -$192 +$73 +$230
Senior Men $1711 +$53 -$199 +$76 +$239
Senior Women $1589 +$49 -$185 +$70 +$222

Charleston seniors pay $1650 in insurance compared to Goose Creek-Hanahan (+$51), Goose Creek (-$192), North Charleston (+$73) and South Carolina (+$230). In Charleston, senior men pay $122 more than senior women.

Charleston Car Insurance Discounts for Multiple Vehicles

Charleston Population with 1 Vehicle 20455 (40% of Charleston population), 2 Vehicles 19321 (38% of the Charleston population) and 3 vehicles 3987 (8% of the population)

Charleston Kiawah Island-Seabrook Island Wando Ravenel South Carolina
2 Vehicles $1937 +$970 +$1122 +$723 +$269
3 Vehicles $2956 +$1481 +$1713 +$1104 +$411
4 Vehicles $3975 +$1992 +$2304 +$1485 +$553

Charleston Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Ford, Taurus SEL $700 $1130 $1630 $1030 $1730 $-100
BMW, 750Li $1000 $1200 $1700 $1130 $2130 $-430
BMW, 535i $100 $1110 $1210 $1050 $1150 $60
Suzuki, SX4 LE $300 $1110 $1410 $1060 $1360 $50
Toyota, Sequoia SR5 $1500 $1030 $1530 $960 $2460 $-930