Charleston Auto Insurance Rates, Quotes, Agents & Reviews in SC

Charleston, SC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Charleston, SC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Charleston, SC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Charleston, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Charleston, SC with that of other cities in and around Charleston.

Charleston Johns Island North Charleston West Ashley Hanahan Charleston Central
Average Insurance Rates $1,070 $1,566 $1,117 $1,539 $1,512 $1,778

Charleston, SC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Charleston, SC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Charleston $1,733 $1,464
Charleston County $1,820 $1,537
Charleston Central $1,366 $1,154
West Ashley $1,176 $994
Johns Island $2,335 $1,972
Sullivan's Island $1,714 $1,448
Hanahan $1,159 $979
North Charleston $1,188 $1,003

Charleston, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Charleston, SC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,472
20 Years $1,375
30 Years $1,059
40 Years $1,019
50 Years $944
60 Years $957
70 Years $1,114

Charleston, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Charleston, SC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,840 $300
3 Vehicles $2,761 $449
4 Vehicles $3,681 $599

Savings on 2 Vehicles bundle:$300

Savings on 3 Vehicles bundle:$449

Savings on 4 Vehicles bundle:$599


Charleston, SC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charleston, SC.

Location Average Insurance Cost Post DUI Insurance Rate
Charleston $1,070 $1,617
Charleston County $1,578 $2,384
Charleston Central $1,778 $2,687
West Ashley $1,539 $2,325
Johns Island $1,566 $2,366
Sullivan's Island $2,534 $3,829
Hanahan $1,512 $2,285
North Charleston $1,117 $1,688

Charleston, SC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $918
Excellent (740-799) $1,048
Good (670-739) $1,115
Average (580-669) $1,455
Poor (300-579) $1,745

Charleston, SC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
King Street Agency Liberty Mutual Independent 557 KING ST STE D, CHARLESTON, 29403 (843) 408-4232
Billy Swails State Farm 1047 Johnnie Dodds Blvd, Mt Pleasant, 29464-3155 843-884-5149
Robert S Schirmer Nationwide 1312 Bowman Road, Mt Pleasant, 29464-3387 (843) 881-4707
Larry Davis State Farm 7741 Dorchester Rd Ste A, N Charleston, 29418-2172 843-552-2992
Ryan Khan State Farm 4952 Centre Pointe Dr Ste 108, N Charleston, 29418-6993 843-740-5003
Bill Frehse State Farm 515 Folly Rd, Charleston, 29412-3008 843-762-2005
C T Lowndes & Company Liberty Mutual Independent 966 MCCANTS DR, MT PLEASANT, 29464 843-884-3159
C T Lowndes & Company Liberty Mutual Independent 966 MCCANTS DR, MT PLEASANT, 29464 843-884-3159

Charleston, SC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,117
Driver's Failure In Showing Documents +$104 $1,174
Driving With An Expired Registration +$110 $1,180
Driving At A Considerably Slow Pace +$232 $1,302
Using A Cellphone While Driving +$245 $1,315
Running A Red Light +$249 $1,319
Speeding +$262 $1,332
Driving A Vehicle Without The Required Permission +$333 $1,403
Driving With An Expired/Suspended License +$721 $1,791

Charleston, SC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,027
Active Disabling Device $1,027
Tracking Device $1,006
Passive Disabling Device $995

Latest Auto Insurance Reviews in Charleston, SC | Back to Top

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.
Progressive
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.
Nationwide
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
Allstate
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.
Progressive
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.
Nationwide
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.
Geico
They are all very similar, I have recently switched and I do not see a difference