Car Insurance in North Charleston, SC – 2024 Rates + Cheapest to Insure

• Car insurance in North Charleston cost an average of $1,788 per year, or around $149 per month for full coverage.
• Monthly car insurance rates for a few popular models in North Charleston include the Chevrolet Silverado at $165, Subaru Outback at $127, and Jeep Cherokee at $161.
• For cheap car insurance in North Charleston, SUV models like the Nissan Kicks, Subaru Crosstrek, Hyundai Venue, and Ford Bronco Sport have some of the best auto insurance rates.
• Models with the lowest cost auto insurance in North Charleston in their automotive segment include the Jaguar E-Pace at $1,670 per year, Subaru Crosstrek at $1,320 per year, Chevrolet Tahoe at $1,676 per year, and Acura Integra at $1,586 per year.

How much does car insurance cost in North Charleston?

In North Charleston, average auto insurance cost is $1,788 per year, which is 5.2% less than the national average rate of $1,883. Per month, North Charleston drivers can expect to pay an average of $149 for a full-coverage car insurance policy.

The average cost of car insurance in South Carolina is $1,626 per year, so North Charleston drivers pay an average of $162 more per year than the overall South Carolina state-wide average rate. The average cost of insurance in North Charleston compared to other South Carolina cities is $68 per year more than in Columbia, $74 per year more expensive than in Rock Hill, and $158 per year more expensive than in Mount Pleasant.

The next chart shows average North Charleston auto insurance cost broken out not only by the age of the driver, but also by three different policy deductible limits. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average rates in the chart above range from $1,252 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $4,180 per year for a 20-year-old driver with $250 deductibles. The average rate we use to compare the cost between models and locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which has an average cost of $1,788 per year.

As a monthly rate, the average cost of auto insurance in North Charleston ranges from $104 to $348 for the same driver ages and deductibles shown in the previous chart.

North Charleston car insurance rates can vary considerably and can also be significantly different between companies. This variability increases the need to get accurate auto insurance quotes when shopping for the cheapest car insurance policy.

The age of the rated driver is probably the number one factor that determines the price you pay for auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates in North Charleston based on the age of the driver.

North Charleston car insurance cost for drivers age 16 to 60

• 16 year old – $6,359 per year or $530 per month
• 17 year old – $6,160 per year or $513 per month
• 18 year old – $5,525 per year or $460 per month
• 19 year old – $5,030 per year or $419 per month
• 20 year old – $3,596 per year or $300 per month
• 30 year old – $1,906 per year or $159 per month
• 40 year old – $1,788 per year or $149 per month
• 50 year old – $1,580 per year or $132 per month
• 60 year old – $1,480 per year or $123 per month

The previous rates shown for average cost of car insurance for teen drivers assumed the gender of the driver was male. The chart below illustrates the average cost to insure teen drivers in North Charleston, South Carolina, by gender. In general, females have cheaper auto insurance rates, in particular for ages 20 and below.

Car insurance for a female 16-year-old driver in North Charleston costs an average of $419 less per year than the cost for a 16-year-old male driver, while at age 19, the cost difference is smaller but females still pay an average of $778 less per year.

The cost to insure popular cars, pickups, and SUVs

The car insurance rates mentioned previously are averaged for all 2024 vehicle models, which is handy for making broad comparisons like the average cost difference by driver age or location. Average auto insurance rates are perfect when trying to find the answer to questions like “are North Charleston car insurance rates cheaper than in Charleston?” or “is car insurance in South Carolina cheaper than Texas?”.

For more useful cost comparisons, however, we get better data if we analyze the specific vehicle being insured. Each vehicle model has it’s own exposure profile for determining how much it costs to insure it and this data allows us to perform more detailed cost analysis.

The chart below details average car insurance cost for popular vehicles in North Charleston and surrounding areas. At the end of this article, we explore car insurance rates for some of these models in much more detail.

What are the cheapest vehicles to insure?

From an overall standpoint, the vehicles with the most affordable auto insurance rates in North Charleston, SC, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Toyota Corolla Cross, and Nissan Kicks.

Average insurance quotes for those vehicles cost $1,452 or less per year ($121 per month) to get full coverage.

Additional models that rank well in our cost comparison are the Volkswagen Tiguan, Acura RDX, Honda CR-V, and Nissan Murano. Insurance rates are marginally higher for those models than the cheapest crossovers and small SUVs that rank at the top, but they still have average rates of $1,530 or less per year, or $128 per month in North Charleston.

The next table ranks the top 20 models with the cheapest car insurance rates in North Charleston, ordered starting with the cheapest.

A table showing 20 vehicle rankings doesn’t really provide a comprehesive view of North Charleston insurance rates. Considering we track over 700 makes and models of vehicles, the majority of models get omitted from the list. Let’s dig a little deeper into the data and list the models with the cheapest rates a different way, by vehicle segment.

This next section showcases the cost of car insurance based on automotive segment. The average rates shown will provide a good idea of which types of cars, trucks, and SUVs that have the least expensive auto insurance rates in North Charleston. After the chart, the next six sections will break out the cheapest insurance rates for specific models in each unique segment.

Rates by automotive segment

If you’re considering buying a new car, it’s useful to know which styles of vehicles are more affordable to insure.

As an example, some people wonder if compact cars cost less to insure than midsize cars or if sports cars are more affordable to insure than luxury cars.

The next chart shows average car insurance rates by segment in North Charleston. From an overal segment perspective, compact SUVs and midsize pickup trucks tend to have the least expensive average rates, while large luxury, performance, and sports cars have the most expensive insurance rates.

Average insurance rates by segment are suitable for making a general comparison, but the insurance cost for specific vehicles ranges considerably within each of the segments displayed in the chart above.

For example, in the midsize car segment, average North Charleston insurance rates range from the Hyundai Ioniq 6 at $1,642 per year to the Tesla Model 3 at $2,096 per year, a difference of $454 within that segment. As another example, in the midsize truck segment, rates range from the Chevrolet Colorado at $1,526 per year to the Rivian R1T at $2,226 per year, a difference of $700 within that segment.

In the following sections, we will eliminate a lot of this variability by looking at the cost of car insurance in North Charleston for individual models.

Cheapest cars to insure in North Charleston

The #1 ranking in North Charleston for cheapest auto insurance rates in the non-luxury car segment is the Toyota GR Corolla, costing an average of $1,552 per year. Second place is the Nissan Leaf at $1,564 per year, third place goes to the Honda Civic, costing an average of $1,580 per year, and in fourth place is the Nissan Sentra, costing an average of $1,634 per year.

Additional models that have affordable average insurance rates are the Chevrolet Malibu, Hyundai Ioniq 6, Kia K5, and Honda Accord, with an average cost to insure of $1,732 per year or less.

Additional models on the list include the Mitsubishi Mirage G4, Kia Forte, Mazda 3, Subaru Legacy, and Hyundai Sonata, which average between $1,732 and $1,846 per year for auto insurance.

Full-coverage auto insurance for this segment in North Charleston starts at around $129 per month, depending on your company and location.

The cheapest non-luxury compact car to insure in North Charleston is the Toyota GR Corolla at $1,552 per year. For midsize models, the Hyundai Ioniq 6 has the best rates at $1,642 per year. And for full-size non-luxury cars, the Chrysler 300 is most affordable to insure at $1,694 per year.

The table below ranks the twenty cars with the lowest-cost average auto insurance rates in North Charleston, starting with the Toyota GR Corolla at $129 per month and ending with the Mazda 3 at $154 per month.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in South Carolina.

Cheapest SUV insurance rates

The top five models for the most affordable North Charleston car insurance rates in the non-luxury SUV segment are the Honda Passport, Subaru Crosstrek, Nissan Kicks, Chevrolet Trailblazer, and Kia Soul. Rates for these vehicles average $1,422 or less per year, or around $119 per month.

Additional SUVs that have good average insurance rates include the Mazda CX-5, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with an average cost to insure of $1,460 per year or less.

Ranked in the lower half of the top 20, SUVs like the Volkswagen Tiguan, Nissan Murano, Volkswagen Taos, Buick Envista, and Subaru Outback average between $1,460 and $1,554 per year for auto insurance in North Charleston.

Car insurance rates in North Charleston for this segment for an average middle-age driver starts at around $110 per month, depending on where you live and the company you use. The comparison table below ranks the SUVs with the most affordable insurance in North Charleston, starting with the Subaru Crosstrek at $110 per month and ending with the Honda HR-V at $130 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see insurance cost for your SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap North Charleston car insurance quotes from top-rated companies in South Carolina.

Cheapest luxury car insurance rates

Ranking at the top of the list for the cheapest North Charleston car insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Lexus IS 300, Acura Integra, BMW 330i, and Acura TLX. Car insurance quotes for these vehicles average $1,846 or less per year, or around $154 per month.

Also ranking well are luxury cars like the Lexus ES 350, Cadillac CT4, Mercedes-Benz AMG CLA35, and Lexus RC 300, with average insurance cost of $1,876 per year or less.

Some additional luxury cars that rank well include the BMW 230i, Lexus IS 350, Cadillac CT5, BMW 330e, and BMW 228i, which cost between $1,876 and $2,000 per year for full-coverage insurance in North Charleston.

Auto insurance rates in North Charleston for this segment for an average middle-age driver can cost as low as $132 per month, depending on where you live.

When prices are compared by vehicle size, the most affordable small luxury car to insure in North Charleston is the Acura Integra at $1,586 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,836 per year. And for large luxury cars, the Audi A5 has the cheapest rates at $2,114 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost insurance rates in North Charleston, starting with the Acura Integra at $1,586 per year ($132 per month) and ending with the Audi S3 at $2,000 per year ($167 per month).

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest luxury SUV insurance rates

Ranking in the top five for the lowest-cost North Charleston car insurance rates in the luxury SUV segment are the Jaguar E-Pace, Cadillac XT5, Cadillac XT4, Acura RDX, and Lexus NX 250. Car insurance prices for these models average $1,684 or less per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus UX 250h, and Lexus NX 450h, with an average car insurance cost of $1,722 per year or less.

Additional luxury SUVs that rank well include the Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, Acura MDX, and Mercedes-Benz AMG GLB35, which average between $1,722 and $1,790 per year for full-coverage insurance in North Charleston.

Full-coverage auto insurance for this segment in North Charleston for an average middle-age driver starts at around $125 per month, depending on the company and where you live. The comparison table below ranks the twenty luxury SUVs with the cheapest average auto insurance rates in North Charleston, starting with the Acura RDX at $1,494 per year and ending with the Lexus NX 350 at $1,790 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your luxury SUV in the table above? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest sports car insurance rates

The top three sports cars with the cheapest car insurance in North Charleston are the Mazda MX-5 Miata at $1,650 per year, the Toyota GR86 at $1,880 per year, and the Ford Mustang at $1,960 per year.

Not the cheapest sports cars to insure, but still affordable, are cars like the Toyota GR Supra, Nissan Z, BMW M2, and Subaru BRZ, with an average car insurance cost of $2,136 per year or less.

Ranking between positions 10 and 20, models like the Chevrolet Camaro, Mercedes-Benz AMG GT53, Porsche 718, Lexus LC 500, BMW M4, and Jaguar F-Type cost between $2,136 and $3,024 per year for insurance.

Full-coverage auto insurance in North Charleston for this segment for a middle-age safe driver starts at an average of $138 per month, depending on the company.

The next table ranks the sports cars with the most affordable insurance rates in North Charleston, starting with the Mazda MX-5 Miata at $1,650 per year and ending with the Porsche Taycan at $3,024 per year.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in North Charleston.

Cheapest pickups to insure

The #1 ranking in North Charleston for cheapest auto insurance rates in the pickup truck segment is the Chevrolet Colorado, costing $1,526 per year. Second place is the Nissan Titan costing $1,670 per year, third place goes to the Nissan Frontier, at an average of $1,688 per year, and ranking fourth is the Ford Ranger, costing an average of $1,706 per year.

Not the cheapest pickups to insure, but still very reasonable, are trucks like the Toyota Tacoma, GMC Sierra 2500 HD, GMC Canyon, and Honda Ridgeline, with average rates of $1,838 per year or less.

Full-coverage insurance for this segment in North Charleston for a middle-age safe driver can cost as low as $127 per month, depending on your location. The table below ranks the pickups with the lowest-cost auto insurance rates in North Charleston, starting with the Chevrolet Colorado at $1,526 per year and ending with the Ram Truck at $2,066 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see your truck in the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in South Carolina.

Examples of rate variation

To try to clarify the amount auto insurance prices can fluctuate from one person to the next (and also point out the importance of getting plenty of price quotes), the sections below visualize detailed car insurance rates for three popular models in North Charleston: the Ford F150, Nissan Rogue, and Toyota Highlander.

Each example uses different risk profiles to illustrate the price fluctuation for the different scenarios.

Ford F150 insurance rates

Insurance for a Ford F150 in North Charleston costs an average of $1,996 per year, or around $166 per month, and varies from $1,656 to $4,616 annually.

The Ford F150 is considered a full-size truck, and other models in that segment include the Toyota Tundra, Nissan Titan, Ram Truck, and GMC Sierra.

Nissan Rogue insurance rates

In North Charleston, Nissan Rogue insurance averages $1,604 per year (about $134 per month) and varies from $1,334 to $3,668 per year.

The Nissan Rogue belongs to the compact SUV segment, and other popular same-segment models include the Chevrolet Equinox, Mazda CX-5, Subaru Forester, and Toyota RAV4.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in North Charleston costs an average of $1,626 per year ($136 per month) and ranges from $1,350 to $3,712.

The Toyota Highlander belongs to the midsize SUV segment, and other popular models include the Ford Edge, Ford Explorer, and Honda Pilot.

Helpful tips to save on auto insurance

North Charleston drivers are always looking to pay less for insurance So glance at the money-saving ideas below and see if you can save some money the next time you need to insure a vehicle.

• Shop around. Taking 5-10 minutes before every policy renewal to get some free car insurance quotes is a great way to save money. Rates change quite often and you do not even have to wait until your policy renewal date to switch.
• Choose a vehicle that is more affordable to insure. The vehicle you choose to drive is an important factor in the cost of insurance. As an example, a Volkswagen Atlas costs $736 less per year to insure in North Charleston than a Chevrolet Camaro. Lower performance equals cheaper rates.
• Save money due to your choice of occupation. The vast majority of auto insurance providers offer policy discounts for occupations like dentists, nurses, architects, members of the military, firefighters, and others. If you qualify for this occupational discount, you could potentially save between $54 and $174 on your annual car insurance bill, depending on the age of the rated driver.
• Remove unneeded coverage on older cars. Dropping physical damage coverage (comprehensive and collision) from older vehicles that are no longer worth much will cut the cost of insurance substantially.
• Stay claim free and save. Most auto insurance companies give a discount for not having any claims. Insurance is intended to be used in the case of larger claims, not nickel-and-dime type claims.
• Get cheaper rates by researching policy discounts. Discounted rates may be available if the insured drivers drive a vehicle with safety or anti-theft features, work in certain occupations, are military or federal employees, drive low annual mileage, or many other policy discounts which could save the average North Charleston driver as much as $302 per year on their insurance cost.