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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $434 | Progressive | 55 | July 2, 2025 | Charleston, SC | 29407 |
| $53 | $640 | Progressive | 43 | November 7, 2024 | Charleston, SC | 29407 |
| $54 | $642 | Progressive | 43 | November 29, 2024 | Charleston, SC | 29407 |
| $54 | $648 | Progressive | 34 | September 13, 2024 | Charleston, SC | 29403 |
| $65 | $776 | Progressive | 35 | April 26, 2025 | Charleston, SC | 29414 |
| $65 | $782 | Progressive | 85 | April 8, 2025 | Charleston, SC | 29414 |
| $68 | $816 | Progressive | 44 | February 28, 2025 | Charleston, SC | 29401 |
| $74 | $882 | Progressive | 53 | April 21, 2025 | Charleston, SC | 29406 |
| $74 | $882 | Progressive | 56 | June 18, 2025 | Charleston, SC | 29407 |
| $76 | $916 | Progressive | 37 | February 16, 2025 | Charleston, SC | 29407 |
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
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $36 | $434 | Progressive | 55 | July 2, 2025 | Charleston, SC | 29407 |
| $53 | $640 | Progressive | 43 | November 7, 2024 | Charleston, SC | 29407 |
| $54 | $648 | Progressive | 34 | September 13, 2024 | Charleston, SC | 29403 |
| $65 | $776 | Progressive | 35 | April 26, 2025 | Charleston, SC | 29414 |
| $65 | $782 | Progressive | 85 | April 8, 2025 | Charleston, SC | 29414 |
| $68 | $816 | Progressive | 44 | February 28, 2025 | Charleston, SC | 29401 |
| $74 | $882 | Progressive | 56 | June 18, 2025 | Charleston, SC | 29407 |
| $81 | $966 | Progressive | 41 | December 13, 2024 | Charleston, SC | 29412 |
| $81 | $976 | Progressive | 44 | December 30, 2024 | Charleston, SC | 29407 |
| $90 | $1,080 | National General | 33 | February 22, 2025 | Charleston, SC | 29412 |
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 |
| $136 | $1,628 | Progressive | 27 | No | June 20, 2025 | Charleston, SC | 29406 |
| $136 | $1,630 | Progressive | 25 | Yes | June 18, 2025 | Charleston, SC | 29492 |
| $137 | $1,646 | Progressive | 27 | No | January 30, 2025 | Charleston, SC | 29420 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $636 | Progressive | 33 | No | April 15, 2024 | Charleston, SC | 29414 |
| $53 | $640 | Progressive | 43 | Yes | November 7, 2024 | Charleston, SC | 29407 |
| $54 | $642 | Progressive | 43 | No | November 29, 2024 | Charleston, SC | 29407 |
| $54 | $648 | Progressive | 34 | Yes | September 13, 2024 | Charleston, SC | 29403 |
| $65 | $776 | Progressive | 35 | Yes | April 26, 2025 | Charleston, SC | 29414 |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $36 | $434 | Progressive | 55 | July 2, 2025 | Charleston, SC | 29407 | Yes |
| $65 | $782 | Progressive | 85 | April 8, 2025 | Charleston, SC | 29414 | Yes |
| $74 | $882 | Progressive | 56 | June 18, 2025 | Charleston, SC | 29407 | Yes |
| $96 | $1,150 | National General | 60 | January 20, 2025 | Charleston, SC | 29403 | No |
| $108 | $1,290 | National General | 60 | October 23, 2024 | Charleston, SC | 29412 | Yes |
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $434 | Progressive | 55 | July 2, 2025 | Yes | Charleston, SC | 29407 |
| $53 | $636 | Progressive | 33 | April 15, 2024 | No | Charleston, SC | 29414 |
| $53 | $640 | Progressive | 43 | November 7, 2024 | Yes | Charleston, SC | 29407 |
| $54 | $642 | Progressive | 43 | November 29, 2024 | No | Charleston, SC | 29407 |
| $65 | $782 | Progressive | 85 | April 8, 2025 | Yes | Charleston, SC | 29414 |
| $68 | $816 | Progressive | 44 | February 28, 2025 | Yes | Charleston, SC | 29401 |
| $76 | $916 | Progressive | 37 | February 16, 2025 | No | Charleston, SC | 29407 |
| $81 | $966 | Progressive | 41 | December 13, 2024 | Yes | Charleston, SC | 29412 |
| $90 | $1,080 | National General | 33 | February 22, 2025 | Yes | Charleston, SC | 29412 |
| $96 | $1,150 | National General | 60 | January 20, 2025 | No | Charleston, SC | 29403 |
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 | $121 | $1,448 | Assurance America | 53 | March 17, 2024 | Charleston, SC | 29412 |
| <550 | $130 | $1,556 | Progressive | 33 | June 1, 2025 | Charleston, SC | 29406 |
| <550 | $130 | $1,562 | Progressive | 45 | May 13, 2025 | Charleston, SC | 29412 |
| <550 | $136 | $1,630 | Progressive | 25 | June 18, 2025 | Charleston, SC | 29492 |
| <550 | $137 | $1,646 | Progressive | 27 | January 30, 2025 | Charleston, SC | 29420 |
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 | 56 | Yes | June 18, 2025 | Charleston, SC | 29407 |
| 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 | $91 | $1,090 | Progressive | 30 | Yes | May 26, 2025 | Charleston, SC | 29412 |
| At Fault With No Injury | $105 | $1,260 | Safeco | 32 | No | January 25, 2025 | Charleston, SC | 29406 |
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 under 15 | $54 | $648 | Progressive | 34 | September 13, 2024 | Charleston, SC | 29403 |
| Speeding under 15 | $85 | $1,016 | Safeco | 42 | August 28, 2024 | Charleston, SC | 29406 |
| Speeding under 15 | $108 | $1,290 | National General | 60 | October 23, 2024 | Charleston, SC | 29412 |
| Speeding over 15 | $133 | $1,598 | Safeco | 29 | February 13, 2025 | Charleston, SC | 29407 |
| Speeding over 15 | $136 | $1,628 | Progressive | 27 | June 20, 2025 | Charleston, SC | 29406 |
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.
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.
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.
