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.

More: Best car insurance in South Carolina

Cheapest minimum coverage in Charleston

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

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.

More: Cheapest car insurance in South Carolina

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.

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.

More: Best car insurance companies

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.

More: Get cheap car insurance the smart way, today

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.

More: Best car insurance for seniors

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.

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.

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.

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.

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

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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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