Cheapest car insurance companies in Charleston
Nationwide and Erie Insurance have the cheapest car insurance premiums for Charleston drivers in 2023, based on a data study by Insurance.com.
Nationwide offers the cheapest car insurance premium for Charleston drivers at an annual rate of $1,153 a year, on average.
Car insurance costs may vary in Charleston based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Charleston.
| Companies | Average annual rates |
|---|---|
| Nationwide | $1,153 |
| USAA | $1,156 |
| Erie Insurance | $1,568 |
| State Farm | $1,591 |
| Progressive | $1,771 |
| Westfield Insurance | $1,923 |
| Geico | $2,157 |
| Farmers | $2,193 |
| Allstate | $3,097 |
| Encova | $3,305 |
Cheapest car insurance cost in Charleston by Age Group
Erie Insurance is the cheapest option for car insurance in Charleston for teen drivers, with average annual premiums at just $3,602 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
For young drivers in Charleston, Nationwide has the cheapest auto insurance rates, with an average annual cost of $1,823 annually.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Charleston is Nationwide. Its average rate for a full coverage car insurance policy is $1,131 per year.
Nationwide is the cheapest option for senior drivers in Charleston, with an average premium of $1,139 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Erie Insurance | $3,602 | $2,455 | $1,581 | $1,602 |
| Nationwide | $3,629 | $1,823 | $1,131 | $1,139 |
| State Farm | $4,530 | $2,634 | $1,596 | $1,532 |
| Geico | $4,894 | $3,014 | $2,204 | $2,149 |
| Westfield Insurance | $5,060 | $3,183 | $2,029 | $1,909 |
| USAA | $5,381 | $2,253 | $1,198 | $1,266 |
| Farmers | $8,406 | $3,727 | $2,174 | $1,958 |
| Encova | $8,734 | $4,454 | $3,109 | $3,012 |
| Progressive | $9,396 | $3,460 | $1,805 | $1,950 |
| Allstate | $10,943 | $4,794 | $3,070 | $3,152 |
Cheapest car insurance companies in Charleston by driver profile
Your driving profile plays an important role in determining your car insurance rates in Charleston. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
To find the cheapest car insurance company in Charleston, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here's a list of car insurance companies that offer cheap insurance rates in Charleston based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Charleston drivers at about $1,413 per year.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Charleston.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,413 |
| Geico | $1,734 |
| USAA | $1,843 |
| State Farm | $2,509 |
| Progressive | $2,783 |
| Allstate | $3,678 |
Cheapest for drivers with a speeding ticket: USAA
In Charleston, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,160, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,160 |
| State Farm | $1,300 |
| Nationwide | $1,475 |
| Progressive | $2,184 |
| Geico | $2,595 |
| Allstate | $2,666 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Charleston with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $1,277 annually.
| Company | Average annual rates |
|---|---|
| USAA | $1,277 |
| State Farm | $1,397 |
| Nationwide | $1,668 |
| Progressive | $2,836 |
| Geico | $3,050 |
| Allstate | $3,552 |
Cheapest auto insurance after a DUI: State Farm
In Charleston, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,300 a year.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $1,300 |
| USAA | $1,796 |
| Nationwide | $2,186 |
| Progressive | $2,769 |
| Geico | $3,230 |
| Allstate | $3,862 |
Average car insurance cost in Charleston
In Charleston, the average annual cost for full coverage car insurance is around $1,991, which breaks down to approximately $166 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Charleston is about $587.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,991 | $587 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
