Cheapest car insurance companies in Charleston 

A recent data analysis by Insurance.com found the cheapest car insurance companies are Nationwide and Erie Insurance in Charleston for 2023. 

Nationwide is the cheapest option for most Charleston drivers, with an average annual rate of $1,153

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.

CompaniesAverage 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 

The cheapest auto insurance company in Charleston for teen drivers is Erie Insurance. For full coverage, its average annual rate for Charleston drivers is $3,602. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

Among the carriers analyzed, Nationwide is the cheapest car insurance option for drivers in Charleston, at $1,823 a year for a full coverage policy.

Drivers in Charleston stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Nationwide has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,131 a year

With an average annual premium of $1,139, Nationwide offers Charleston's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
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. 

In Charleston, these insurance companies offer cheap car insurance rates based on your driver profile.

If you're a Charleston driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,413 annually

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Charleston.

CompanyAverage annual rates
Nationwide$1,413
Geico$1,734
USAA$1,843
State Farm$2,509
Progressive$2,783
Allstate$3,678

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Charleston. Its full coverage car insurance policy costs an average of $1,160 per year for drivers aged 30. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
USAA$1,160
State Farm$1,300
Nationwide$1,475
Progressive$2,184
Geico$2,595
Allstate$2,666

USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Charleston is $1,277. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
USAA$1,277
State Farm$1,397
Nationwide$1,668
Progressive$2,836
Geico$3,050
Allstate$3,552

State Farm is the cheapest option for Charleston drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,300, on average.

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage 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.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState 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.

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