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How much is car insurance in North Charleston?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $19 a month more expensive to insure your vehicle in North Charleston than it is in the rest of South Carolina.
The average cost of insuring your vehicle in North Charleston is above the national rate. It's around $42 more expensive for coverage in North Charleston than the average rates seen in the rest of the U.S.
Although these are the average rates for auto insurance in North Charleston, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rate for North Charleston residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to go back up in North Charleston.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in North Charleston is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In North Charleston, a driving record with a single accident will usually get you a rate around $159 a month. Likewise, drivers with one ticket will be looking at a rate of around $168 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$142|
|15 Years or Older||$116|
In terms of affordable coverage, the cheapest vehicles to insure in North Charleston are by and large trucks and vans, at $102 per month.
Car owners can expect to pay an average of around $128 a month for their policy, while SUVs usually cost around $122 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in North Charleston are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
More often than not, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. North Charleston is no exception, with the difference totaling to around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$157|
Another factor taken into consideration is your housing status. If you rent your home or apartment in North Charleston, expect to pay around $19 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in North Charleston, SC
Recent trends in car insurance for North Charleston drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
Auto insurance rates in North Charleston increased steadily from 2017-2021. Insurance rates finished down in 2022, at $142.
How does North Charleston compare to neighboring areas?
Why are car insurance rates in North Charleston different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Prevalence of crime
- Road Safety (frequency of local car accidents)
- Regional laws
- Total number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in North Charleston?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in North Charleston.
North Charleston Insurance FAQs
What factors affect car insurance quotes in North Charleston?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in North Charleston different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in North Charleston?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to North Charleston?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to North Charleston or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?