Cheap Car Insurance in Charleston, SC

Written by Xuyun Zeng and 2 others
Updated May 8, 2025
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Cheap Car Insurance in Charleston, SC

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With its historic sites, busy port and mild climate, it’s no wonder that the Charleston area has been growing by 30 new residents per day. But with that growth comes traffic, and Charleston County had 52 fatalities on its roads in 2024. 

Whether you’re tooling around South of Broad or heading out to the beaches, it’s best to protect yourself with a solid car insurance policy. Jerry can help drivers in Charleston, South Carolina find the best coverage for their needs based on their address, age and driving record.

Cheapest minimum coverage in Charleston

These are the cheapest minimum coverage quotes for drivers in Charleston, based on quotes received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$65 $776 Progressive 33 March 3, 2025 Charleston, SC 29406
$74 $882 Progressive 53 April 21, 2025 Charleston, SC 29406
$81 $976 Progressive 44 December 30, 2024 Charleston, SC 29407
$89 $1,068 National General 47 February 23, 2025 Charleston, SC 29412
$92 $1,106 Progressive 56 April 30, 2025 Charleston, SC 29414
$93 $1,112 Assurance America 54 January 9, 2025 Charleston, SC 29406
$102 $1,220 National General 45 March 6, 2025 Charleston, SC 29407
$103 $1,236 Progressive 32 January 25, 2025 Charleston, SC 29406
$105 $1,258 Progressive 51 November 4, 2024 Charleston, SC 29406
$107 $1,284 Progressive 23 November 20, 2024 Charleston, SC 29403
Last Updated May 8, 2025

South Carolina requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.
  • $25,000 in uninsured motorist bodily injury per person.
  • $50,000 in uninsured motorist bodily injury per accident.
  • $25,000 in uninsured motorist property damage per accident.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage in Charleston

As a coastal city, Charleston faces a risk of hurricanes and potential flooding — conditions that could damage your car. Minimum coverage does not pay for weather-related incidents, but full coverage can help you repair after a natural disaster, collision, vandalism, theft and other incidents. These are the cheapest quotes for drivers in Charleston have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$64 $772 Progressive 33 February 22, 2025 Charleston, SC 29412
$81 $976 Progressive 44 December 30, 2024 Charleston, SC 29407
$92 $1,106 Progressive 56 April 30, 2025 Charleston, SC 29414
$100 $1,204 Progressive 33 April 15, 2024 Charleston, SC 29414
$105 $1,258 Progressive 51 November 4, 2024 Charleston, SC 29406
$107 $1,284 Progressive 23 November 20, 2024 Charleston, SC 29403
$117 $1,402 Progressive 34 February 5, 2025 Charleston, SC 29403
$118 $1,410 Safeco 33 December 1, 2023 Charleston, SC 29414
$124 $1,490 Progressive 45 December 20, 2024 Charleston, SC 29406
$124 $1,492 Assurance America 40 July 22, 2024 Charleston, SC 29406
Last Updated May 8, 2025

Cheapest car insurance for young drivers in Charleston (18-29 years old)

Young drivers typically pay the highest rates for car insurance because they lack driving experience and are riskier to insure. To keep your premium low, compare prices from multiple insurers. These are the cheapest quotes that young drivers in Charleston have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$107 $1,284 Progressive 23 Yes November 20, 2024 Charleston, SC 29403
$133 $1,598 Safeco 29 No February 13, 2025 Charleston, SC 29407
$139 $1,672 National General 25 No October 20, 2024 Charleston, SC 29414
$160 $1,916 National General 26 Yes September 17, 2024 Charleston, SC 29407
$179 $2,145 Dairyland 29 No March 19, 2024 Charleston, SC 29412
Last Updated May 8, 2025

Cheapest car insurance for mature drivers in Charleston (30-54 years old)

Drivers between 30 and 54 years old usually pay lower premiums than younger drivers because they have more experience on the road, resulting in cheaper rates. These are the cheapest quotes that mature drivers in Charleston have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$64 $772 Progressive 33 Yes February 22, 2025 Charleston, SC 29412
$65 $776 Progressive 33 No March 3, 2025 Charleston, SC 29406
$74 $882 Progressive 53 No April 21, 2025 Charleston, SC 29406
$81 $976 Progressive 44 Yes December 30, 2024 Charleston, SC 29407
$89 $1,068 National General 47 No February 23, 2025 Charleston, SC 29412
Last Updated May 8, 2025

Cheapest car insurance for older drivers in Charleston (55+ years old)

Drivers over 54 years old typically pay the least for car insurance, although those costs could tick upwards once they reach their 70s. These are the cheapest quotes that older drivers in Charleston have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$92 $1,106 Progressive 56 April 30, 2025 Charleston, SC 29414 Yes
$124 $1,487 Safeco 55 January 8, 2025 Charleston, SC 29412 No
$132 $1,588 National General 68 February 18, 2025 Charleston, SC 29407 Yes
$138 $1,653 Safeco 60 January 20, 2025 Charleston, SC 29403 No
$147 $1,769 Dairyland 58 June 4, 2024 Charleston, SC 29407 No
Last Updated May 8, 2025

Cheapest car insurance for drivers with clean records in Charleston

Drivers with no accidents, claims or violations typically pay the least for auto insurance. Here are the cheapest quotes that Charleston drivers with clean records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$64 $772 Progressive 33 February 22, 2025 Yes Charleston, SC 29412
$65 $776 Progressive 33 March 3, 2025 No Charleston, SC 29406
$93 $1,112 Assurance America 54 January 9, 2025 No Charleston, SC 29406
$100 $1,204 Progressive 33 April 15, 2024 Yes Charleston, SC 29414
$102 $1,220 National General 45 March 6, 2025 No Charleston, SC 29407
$105 $1,258 Progressive 51 November 4, 2024 Yes Charleston, SC 29406
$112 $1,348 National General 43 November 26, 2024 No Charleston, SC 29407
$117 $1,402 Progressive 34 February 5, 2025 Yes Charleston, SC 29403
$118 $1,410 Safeco 33 December 1, 2023 Yes Charleston, SC 29414
$122 $1,467 Progressive 53 March 17, 2024 No Charleston, SC 29412
Last Updated May 8, 2025

Cheapest car insurance for drivers with low credit scores in Charleston

South Carolina currently allows insurers to use drivers’ credit scores as a factor when pricing auto insurance policies. However, a bill that would block the use of credit-based insurance scores was introduced in the South Carolina legislature in January 2025. These are the cheapest quotes for drivers in Charleston with credit scores below 550, based on Jerry’s data.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $65 $776 Progressive 33 March 3, 2025 Charleston, SC 29406
<550 $92 $1,106 Progressive 56 April 30, 2025 Charleston, SC 29414
<550 $122 $1,467 Progressive 53 March 17, 2024 Charleston, SC 29412
<550 $167 $2,007 Dairyland 31 September 23, 2024 Charleston, SC 29414
<550 $178 $2,133 Dairyland 38 March 9, 2024 Charleston, SC 29414
Last Updated May 8, 2025

Cheapest car insurance for drivers with at-fault accidents in Charleston

If you have recently been in an at-fault accident, your insurance premium will likely increase, but you can keep your costs low by rate shopping. These are the cheapest quotes that drivers with at-fault accidents in Charleston have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $74 $882 Progressive 53 No April 21, 2025 Charleston, SC 29406
At Fault With No Injury $89 $1,068 National General 47 No February 23, 2025 Charleston, SC 29412
At Fault With No Injury $92 $1,106 Progressive 56 Yes April 30, 2025 Charleston, SC 29414
At Fault With No Injury $103 $1,236 Progressive 32 No January 25, 2025 Charleston, SC 29406
At Fault With No Injury $124 $1,487 Safeco 55 No January 8, 2025 Charleston, SC 29412
Last Updated May 8, 2025

Cheapest car insurance for drivers with speeding tickets in Charleston

Getting a citation for speeding will typically cause your premiums to rise, and it’s therefore wise to compare quotes before your policy renews to keep your costs low. Check out the cheapest quotes that drivers in Charleston with speeding tickets have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $133 $1,598 Safeco 29 February 13, 2025 Charleston, SC 29407
Speeding over 15 $139 $1,672 National General 25 October 20, 2024 Charleston, SC 29414
Speeding over 15 $177 $2,126 Bristol West 39 November 24, 2023 Charleston, SC 29412
Speeding under 15 $189 $2,268 National General 25 March 7, 2025 Charleston, SC 29407
Speeding under 15 $294 $3,522 The General 32 May 29, 2024 Charleston, SC 29414
Last Updated May 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.