Cheapest car insurance in Charleston, South Carolina

South Carolina requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Pulled directly from carrier rate filings for this city.

With 155,842 residents, Charleston sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 48% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 46% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Auto-OwnersFiled rate, credit/record adjusted $221.88
02 USAAFiled rate, credit/record adjusted $234.36
03 GEICOFiled rate, credit/record adjusted $283.20
04 TravelersFiled rate, credit/record adjusted $290.52
05 ProgressiveFiled rate, credit/record adjusted $322.68
06 AllstateFiled rate, credit/record adjusted $353.52
07 State FarmFiled rate, credit/record adjusted $427.92
Rate explainer
Why is your best rate $221.88 and not $209.31?

Charleston is priced against 7 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$2.40
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, At-fault crash (modeled) +$93.15
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.