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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 $17 a month more expensive to insure your vehicle in North Charleston than it is in the rest of South Carolina.
Likewise, residents of North Charleston might expect to pay higher rates for coverage than the rest of the country. It's around $36 more expensive to insure your vehicle in North Charleston compared to the average rate for the rest of the U.S.
While these are the average car insurance rates for North Charleston, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
We've done the heavy lifting for you and broken down the average rate for North Charleston so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in North Charleston.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for car insurance, this is not the case in North Charleston, where female drivers pay around $119 per month while male drivers pay about $111.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in North Charleston with one accident will pay around $153 a month. Similarly, drivers with one ticket will typically pay around $208 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$129|
|15 Years or Older||$109|
In North Charleston, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $94 per month for insurance coverage.
Meanwhile, North Charleston drivers who own a car or SUV can expect to pay about $118 for auto insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In North Charleston, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$119|
Generally speaking, people who are married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in North Charleston, with married couples paying about $20 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$168|
Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $15 a month more than homeowners in North Charleston. 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 car insurance costs, depending on your insurance company.
Car Insurance Companies in North Charleston, SC
Recent trends in car insurance for North Charleston drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of auto insurance in North Charleston had been increasing from 2016-2017, when they hit a low of $103. This shifted in 2018, when policy premiums started to rise. They reached a high of $142 in 2020, and finished down in 2021, at $130 per month.
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 an insurance policy, car insurance companies will evaluate a lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Availability of off-street parking
- Community laws
- Area crime rates
- General road safety (how many accidents each locality has)
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in North Charleston?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in North Charleston in no time.
North Charleston Insurance FAQs
What factors affect car insurance quotes in North Charleston?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in North Charleston different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to North Charleston or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.