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Updated on Jan 30, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Charleston
Best car insurance companies in Charleston
Best cheap car insurance quotes in Charleston
Average cost of car insurance in Charleston
Car insurance quotes in Charleston by rating factors
How Do Different Factors Impact Your Car Insurance Costs in Charleston?
Cheap car insurance quotes in Charleston after driving violations
Cheap car insurance quotes in Charleston by age
Cheap car insurance quotes in Charleston based on insurance history
Cheap car insurance quotes in Charleston for popular cars
How to lower car insurance costs in Charleston
FAQ
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Charleston

In Charleston, the average

auto insurance

policy costs about $150 per month for minimum coverage liability insurance, and about $268 per month for full coverage insurance. Charleston drivers pay 12% more than the

Rhode Island

average.

Drivers looking to save on car insurance in Charleston, Rhode Island trust Jerry. Jerry helps you

compare and buy car insurance policies

that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Charleston drivers.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Progressive	$212	Devin, 29 Zip: 29407	Chevrolet Cruze LS	• 50,000/100,000 Liability • Comp / Collision
Nationwide	$94	Mathilda, 33 Zip: 29414	KIA Stinger GT	• 50,000/100,000 Liability • Comp / Collision
Safeco	$367	Jane, 54 Zip: 29414	Lexus GS 350	• State Minimum Liability • Comp / Collision
Travelers	$105	Victoria, 46 Zip: 29492	Nissan Altima 2.5	• 50,000/100,000 Liability • Comp / Collision
Bristol West	$382	Warren, 36 Zip: 29403	Jeep Compass Limited	• State Minimum Liability • Comp / Collision

Last Updated Jan 25, 2025

Compare car insurance quotes now

Best car insurance companies in Charleston

There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.

Car insurance quotes

vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver.

Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service.

For Charleston drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall.

If you’re wondering which carrier might be your best pick, check out the table below to see how Charleston drivers ranked different insurance companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.4	4	4.2	4.3
Geico	4	3	4	4.3
State Farm	3.9	3.4	3.2	3.9
USAA	3.8	3.5	N/A	4
Liberty Mutual	3.5	2.7	N/A	3.3

Best cheap car insurance quotes in Charleston

Drivers in Charleston must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough.

Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.

Cheap minimum liability insurance quotes in Charleston

If you’re behind the wheel in Charleston, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.

Here’s a breakdown of Rhode Island’s

liability insurance

minimums:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$25,000

property damage liability

per accident

In most cases, drivers in Rhode Island must also have

uninsured motorist coverage

, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.

With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving.

Finding affordable car insurance can be tricky—but Jerry is here to help.

Progressive

Curtis (38 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29407)

Chevrolet Cruze LS

$157

per month

Travelers

Jeremiah (64 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29406)

Acura RDX Technology

$78

per month

Nationwide

Alberta (47 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

Toyota Camry Solara SE

$126

per month

Safeco

Jennie (52 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29406)

Chevrolet Impala LT

$157

per month

Bristol West

Melvin (37 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29414)

Chevrolet Tahoe C1500

$169

per month

Do you need more than minimum coverage in Charleston?

The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage.

If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.

The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Charleston

If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage

car insurance

is the way to go.

Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage.

Comprehensive coverage

pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage.

Collision coverage

pays for damage that results from a collision with another car or stationary object, such as a tree or sign.

If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.

On top of a full-coverage policy, you can also purchase

uninsured motorist coverage

to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.

Check out the table below for examples of how drivers in Charleston found affordable full-coverage insurance policies with Jerry.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$212	Devin, 29 Zip: 29407	Chevrolet Cruze LS
• State Minimum Liability • Comp / Collision	Safeco	$367	Jane, 54 Zip: 29414	Lexus GS 350
• 50,000/100,000 Liability • Comp / Collision	Travelers	$105	Victoria, 46 Zip: 29492	Nissan Altima 2.5
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$94	Mathilda, 33 Zip: 29414	KIA Stinger GT
• State Minimum Liability • Comp / Collision	National General	$336	Dennis, 50 Zip: 29403	Chevrolet Silverado K1500 LT

Last Updated Jan 25, 2025

Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed

insurance broker

like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.

Average cost of car insurance in Charleston

After analyzing scores of insurance providers in Charleston, we have discovered that the average price for minimum liability coverage amounts to be $150 per month or $1,800 per year. Additionally, residents of Charleston can expect to pay an average of $268 per month or $3,216 per year for full coverage insurance.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$114	$1,372
Full coverage	$180	$2,159

While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Charleston by zip code

The cost of car insurance in Charleston can greatly differ depending on your specific zip code. Each individual zip code within Charleston has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.

In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
29403	$134	$211
29405	$172	$232
29406	$121	$237
29407	$90	$173
29412	$91	$177
29414	$151	$167
29418	$159	$206
29420	$197	$235
29492	$86	$133

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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Car insurance quotes in Charleston by rating factors

Insurance companies in Charleston use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.

Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.

Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.

Your mileage: High annual mileage can result in higher insurance costs.

The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How Do Different Factors Impact Your Car Insurance Costs in Charleston?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Charleston:

Cheap car insurance quotes in Charleston after driving violations

Your

Rhode Island driving record

also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “

high-risk driver

” and will pay more for insurance.

Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Driving without insurance

Cheapest car insurance in Charleston after speeding ticket

Speeding tickets

don’t always increase your car insurance rates, but they do in Rhode Island—and some have more of an impact than others. If you’re caught driving 22 mph or more over the speed limit, for example, you’ll see a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.

Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Speeding 1-5	Progressive	$66	Birdie, 40 Zip: 29412	Honda Civic LX-S	• State Minimum Liability
Speeding 11-15	National General	$396	Lulu, 53 Zip: 29407	Cadillac CT6	• 50,000/100,000 Liability • Comp / Collision
Speeding 16-20	Safeco	$281	Jason, 36 Zip: 29406	Chevrolet Malibu LT	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Charleston after DUI

DUI violation

in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance.

But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.

Rhode Islanders have found affordable policies with Jerry after receiving a DUI.

Progressive

Jon (26 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29407)

Mazda 3 Preferred

$260

per month

Nationwide

Bessie (54 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29420)

Cadillac SRX

$90

per month

National General

Delia (31 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29401)

Chrysler 300 Limited

$478

per month

Gainsco

Raymond (26 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

Chevrolet Tahoe C1500

$231

per month

Cheapest car insurance in Charleston after an at-fault accident

Your accident and claims history plays a major role in how much you pay for car insurance. That said, having

accident forgiveness

on your policy can help prevent your rates from spiking.

Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Charleston drivers with an accident on their record find affordable insurance.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$450	Kyle, 58 Zip: 29403	Toyota Highlander Hybrid Limited	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Nationwide	$126	Dale, 47 Zip: 29412	Toyota Camry Solara SE	• State Minimum Liability • Comp / Collision
Not At Fault	Safeco	$181	Jeff, 40 Zip: 29403	BMW X5 xDrive45e	• 250,000/500,000 Liability • Comp / Collision
Not At Fault	Allstate	$233	Victor, 32 Zip: 29406	Audi S4 Premium Plus	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Charleston after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as

reckless driving

and driving without insurance, can also cause your car insurance costs to increase in Charleston.

To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Yield	Progressive	$203	Alexander, 22 Zip: 29406	Chevrolet Cobalt LS	• State Minimum Liability
Careless Driving	Gainsco	$81	Ina, 49 Zip: 29407	Nissan Frontier King Cab XE	• State Minimum Liability
Driving on Sus. License	Bristol West	$669	Sue, 29 Zip: 29406	Toyota Camry LE	• 50,000/100,000 Liability • Comp / Collision
Failure to Obey Signal	Travelers	$247	Gilbert, 30 Zip: 29492	Toyota Tundra Double Cab Limited	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheap car insurance quotes in Charleston by age

Teen drivers

aged 16 to 19 and those without an

unrestricted driver’s license

see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.

Cheapest car insurance in Charleston for young drivers

Drivers under 19 pay the highest insurance rates out of any age group in Charleston. For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can also keep rates low.

Progressive

John (24 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29407)

Mazda 3 i

$228

per month

Gainsco

Jacob (21 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

Chevrolet Silverado C1500

$340

per month

National General

Bill (21 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29414)

Nissan Altima S

$471

per month

Bristol West

Rhoda (24 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29403)

Nissan Altima 2.5

$333

per month

Cheapest car insurance in Charleston for senior drivers

Seniors are also hit hard when it comes to insurance premiums.

Car insurance rates for seniors

start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision.

Progressive

Mabelle (68 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

GMC Acadia SLT-1

$150

per month

Safeco

Jeff (77 years old)

Coverage

15,000 per person

30,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29407)

Chevrolet Malibu

$91

per month

Bristol West

Nancy (76 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29406)

Lincoln Continental Select

$523

per month

State Auto

Maggie (67 years old)

Coverage

State Minimum

Charleston, SC
(Zip Code: 29401)

Mazda Tribute LX

$69

per month

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Cheap car insurance quotes in Charleston based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any

lapses in coverage

Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:

Progressive

Della (52 years old)

Currently Insured

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

Mazda CX-5 Sport

$163

per month

Allstate

Harriett (32 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29406)

Audi S4 Premium Plus

$233

per month

Travelers

Ellen (46 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29492)

Nissan Altima 2.5

$105

per month

Nationwide

Etta (33 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29414)

KIA Stinger GT

$94

per month

State Auto

Patrick (27 years old)

Currently Insured

Coverage

State Minimum

Charleston, SC
(Zip Code: 29403)

Hyundai Sonata GLS

$83

per month

Cheap car insurance quotes in Charleston for drivers with poor credit

While having

a low credit score

doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.

As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$136	Alan, 63 Zip: 29414	Toyota Tacoma Double Cab	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Safeco	$104	Della, 31 Zip: 29403	Ford Escape Titanium	• 50,000/100,000 Liability • Comp / Collision
660 - 750	National General	$158	Jerome, 34 Zip: 29414	Hyundai Accent SE	• State Minimum Liability • Comp / Collision
550 - 659	State Auto	$83	Winifred, 27 Zip: 29403	Hyundai Sonata GLS	• State Minimum Liability
< 550	Allstate	$441	Rebecca, 30 Zip: 29407	RAM 1500 BIG Horn/lone Star	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 28, 2025

Cheap car insurance quotes in Charleston for popular cars

Your vehicle make and model have a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.

Some of the most popular vehicles in Rhode Island include:

Chevrolet Silverado 1500

MORE:

How to get car insurance before buying a car

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Mazda CX-5 Sport	Progressive	$163	Della, 52 Zip: 29412	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest car insurance in Charleston for new vs. old car

Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Charleston is generally more expensive than that of an older car.

Average insurance rates in Charleston for vehicles based on age are:

Vehicles 10 years or older: $241

Vehicles less than 4 years old: $303

Progressive

Alan (38 years old)

2018 Chevrolet Cruze LS

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29407)

$212

per month

Safeco

Jane (54 years old)

2013 Lexus GS 350

Coverage

State Minimum

Charleston, SC
(Zip Code: 29414)

$367

per month

Allstate

Johnny (32 years old)

2016 Audi S4 Premium Plus

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29406)

$233

per month

Nationwide

Eugene (64 years old)

2013 Acura RDX Technology

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Charleston, SC
(Zip Code: 29406)

$198

per month

Gainsco

Phoebe (58 years old)

2008 Toyota Highlander Hybrid Limited

Coverage

State Minimum

Charleston, SC
(Zip Code: 29403)

$445

per month

National General

Earl (55 years old)

2002 Cadillac Escalade Luxury

Coverage

State Minimum

Charleston, SC
(Zip Code: 29412)

$98

per month

How to lower car insurance costs in Charleston

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Charleston?

People living in Charleston pay on average $150 per month – or $1,800 per year – on state-minimum liability coverage. Full coverage in Charleston costs on average $268 per month of $3,216 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Charleston?

Based on thousands of Charleston drivers Jerry has worked with, car insurance in Charleston costs an average of $150 per month for state-minimum coverage and $268 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Charleston, Rhode Island?

The state-minimum car insurance in Charleston, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

What is the best car insurance in Charleston?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual,

Progressive

, and

Nationwide

receive good ratings from Charleston drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.