Charleston Car Insurance Cost (2025 Cheapest Models)

• Charleston car insurance averages $2,370 per year for a full coverage policy, or approximately $198 on a monthly basis
• Monthly auto insurance rates for a few popular models in Charleston include the Jeep Grand Cherokee at $198, Toyota RAV4 at $182, and GMC Sierra at $218.
• Small SUVs like the Hyundai Venue, Chevrolet Trailblazer, Toyota Corolla Cross, and Subaru Crosstrek receive top rankings for cheap car insurance in Charleston.

What is average car insurance cost in Charleston?

Charleston car insurance costs an average of $2,370 per year, which is 4% more than the U.S. overall average rate of $2,276. The average cost per month for car insurance in Charleston is $198 for a full-coverage car insurance policy.

In the state of West Virginia, the average cost of car insurance is $2,328 per year, so the cost in Charleston averages $42 more per year. When rates are compared to other larger cities in West Virginia, the cost to insure a vehicle in Charleston is approximately $14 per year more than in Parkersburg, $62 per year more expensive than in Morgantown, and $46 per year more expensive than in Wheeling.

The next chart shows average auto insurance cost in Charleston, West Virginia, for all 2024 models. Rates are averaged for all Charleston Zip Codes and shown not only for different driver ages, but also for different physical damage deductibles.

In the chart above, the cost of auto insurance in Charleston ranges from $1,664 per year for a 60-year-old driver with a policy with high deductibles to $5,542 per year for a 20-year-old driver with policy with low comprehensive and collision deductibles. When those numbers are converted to a monthly rate, the average cost ranges from $139 to $462 per month.

The age of the rated driver is probably the number one factor that determines the price you pay for car insurance, so the list below details how driver age influences cost by showing average car insurance rates in Charleston for driver ages from 16 to 60.

Charleston car insurance cost for drivers age 16 to 60

• 16-year-old driver – $8,440 per year or $703 per month
• 17-year-old driver – $8,178 per year or $682 per month
• 18-year-old driver – $7,328 per year or $611 per month
• 19-year-old driver – $6,674 per year or $556 per month
• 20-year-old driver – $4,766 per year or $397 per month
• 30-year-old driver – $2,530 per year or $211 per month
• 40-year-old driver – $2,370 per year or $198 per month
• 50-year-old driver – $2,098 per year or $175 per month
• 60-year-old driver – $1,968 per year or $164 per month

The previous rates shown for the average cost to insure teen drivers assumed a male driver. The chart below goes into more detail regarding the cost of insuring teen drivers and breaks out average car insurance rates for teen drivers by gender. Teenage females tend to have cheaper car insurance rates than their male counterparts.

Auto insurance for a 16-year-old female driver in Charleston costs an average of $552 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but females still pay an average of $1,030 less per year.

Insurance cost for Charleston’s favorite vehicles

The rates referenced above are the average cost across all 2024 model year vehicles, which is helpful for making generalized comparisons such as the average cost difference between two West Virginia cities. Average car insurance rates are excellent when presented with a question like “are Charleston auto insurance rates cheaper than in Huntington?” or “is West Virginia auto insurance cheaper than Texas?”.

For more in-depth car insurance comparisons, however, the data will be more accurate if we look at the specific model of vehicle being insured. Each individual model has it’s own risk profile for determining car insurance prices and this data enables us to make more detailed comparisons.

The following chart displays average insurance cost for a handful of the more popular vehicles insured in Charleston. Later on, there is a section that analyzes additional factors that affect the cost of insuring a few of these models in much more detail.

Which cars have cheap insurance in Charleston, West Virginia?

The vehicles with the cheapest insurance quotes in Charleston, WV, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks.

Average auto insurance quotes for those crossover SUVs cost $1,926 or less per year ($161 per month) for full coverage car insurance.

Some additional models that come in near the top in our auto insurance price comparison are the Toyota GR Corolla, Volkswagen Tiguan, Ford Bronco Sport, and Acura RDX. Insurance rates are slightly more for those models than the crossovers and small SUVs that rank at the top, but they still have an average cost of $172 or less per month.

The next table ranks the vehicles with the cheapest overall insurance rates in Charleston, ordered by cost.

A table of 30 ranked vehicles is probably not the best way to present the full picture of the cost of car insurance. A more useful way to analyze rates for more vehicles is to organize them by vehicle segment. The six sections below rank the top 20 vehicles with the lowest cost car insurance rates in Charleston for the six most popular automotive segments.

Cheapest cars to insure in Charleston

The most affordable cars to insure in Charleston are the Toyota GR Corolla at $2,060 per year, the Nissan Leaf at $2,076 per year, and the Honda Civic at $2,098 per year.

Additional models that are affordable to insure are the Kia K5, Toyota Corolla, Toyota Prius, and Honda Accord, with average cost of $2,308 per year or less.

Additional 2024 models on the list include the Hyundai Sonata, Mitsubishi Mirage G4, Kia Forte, and Mazda 3, which cost between $2,308 and $2,450 per year for insurance in Charleston.

As a cost per month, full-coverage insurance in Charleston on this segment for a safe driver starts at around $172 per month, depending on where you live.

The rate comparison table below ranks the cars with the most affordable insurance in Charleston.

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

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in West Virginia.

Cheapest SUVs to insure in Charleston

The Subaru Crosstrek takes the top ranking for the most budget-friendly non-luxury SUV to insure in Charleston, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model has an average cost of $1,750 per year for a full-coverage insurance policy.

Some other SUVs that have affordable insurance rates include the Hyundai Venue, Buick Envision, Ford Bronco Sport, and Toyota Corolla Cross, with an average car insurance cost of $1,940 per year or less.

Ranked lower than 10th place, but still in the top 20, SUVs like the Volkswagen Tiguan, Volkswagen Taos, Nissan Murano, Buick Envista, and Honda HR-V cost between $1,940 and $2,062 per year for insurance in Charleston.

Full-coverage insurance in Charleston for this segment for a middle-age safe driver starts at around $146 per month, depending on the company and your location.

The comparison table below ranks the twenty SUVs with the most affordable car insurance rates in Charleston.

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

Don’t see insurance cost for your SUV? 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-rated car insurance companies in West Virginia.

Cheapest luxury cars to insure in Charleston, WV

The Acura Integra takes the top ranking for the lowest-cost luxury car to insure in Charleston, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $2,106 per year to insure for full coverage.

Also ranking well are luxury cars like the Mercedes-Benz AMG CLA35, Genesis G70, Lexus ES 350, and Cadillac CT4, with an average car insurance cost of $2,492 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the BMW 228i, Lexus RC 350, Lexus ES 250, Cadillac CT5, and Lexus IS 350 cost between $2,492 and $2,658 per year to insure.

From a monthly standpoint, full-coverage auto insurance in this segment starts at around $176 per month, depending on your company and location.

The next table ranks the cars with the cheapest auto insurance rates in Charleston, starting with the Acura Integra at $2,106 per year ($176 per month) and ending with the Audi S3 at $2,658 per year ($222 per month).

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in West Virginia.

Cheapest luxury SUV insurance rates in Charleston, West Virginia

Ranking in the top five for the lowest-cost Charleston car insurance rates in the luxury SUV segment are the Cadillac XT5, Cadillac XT4, Acura RDX, Jaguar E-Pace, and Lexus NX 250. Insurance rates for these models average $2,236 or less per year.

Also ranking well are models like the Lexus NX 450h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lincoln Corsair, with average rates of $2,284 per year or less.

Additional models that made the list include the Infiniti QX60, Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, and Acura MDX, which cost between $2,284 and $2,378 to insure per year.

Full-coverage car insurance for this segment in Charleston for a middle-age safe driver can cost as low as $165 per month, depending on your location and insurance company.

If insurance rates are ranked by vehicle size, the most budget-friendly small luxury SUV to insure in Charleston is the Acura RDX at $1,980 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,214 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,658 per year.

The comparison table below ranks the SUVs with the lowest-cost average insurance rates in Charleston, starting with the Acura RDX at $165 per month and ending with the Lexus RX 350 at $198 per month.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Charleston car insurance quotes from top-rated companies in West Virginia.

Cheapest sports car insurance rates in Charleston, WV

The four cheapest sports cars to insure in Charleston are the Mazda MX-5 Miata at $2,194 per year, Toyota GR86 at $2,496 per year, Ford Mustang at $2,604 per year, and BMW Z4 at $2,620 per year.

Other models that have cheaper rates include the Subaru BRZ, BMW M2, Nissan Z, and Lexus RC F, with average cost of $2,834 per year or less.

Full-coverage insurance for this segment in Charleston for an average middle-age driver starts at around $183 per month, depending on your location and insurance company.

The table below ranks the sports cars with the cheapest average car insurance rates in Charleston, starting with the Mazda MX-5 Miata at $2,194 per year ($183 per month) and ending with the Porsche Taycan at $4,014 per year ($335 per month).

Don’t see rates for your sports car? 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 car insurance companies in Charleston.

Cheapest pickups to insure in Charleston, West Virginia

The four lowest-cost pickup trucks to insure in Charleston are the Chevrolet Colorado at $2,088 per year, Nissan Titan at $2,218 per year, Nissan Frontier at $2,240 per year, and Ford Ranger at $2,266 per year.

Also ranking well are trucks like the GMC Canyon, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with an average car insurance cost of $2,438 per year or less.

On a monthly basis, auto insurance on this segment in Charleston for an average middle-age driver starts at around $174 per month, depending on the company and your location. The next table ranks the pickups with the lowest-cost average car insurance rates in Charleston, starting with the Chevrolet Colorado at $2,088 per year ($174 per month) and ending with the Ram Truck at $2,740 per year ($228 per month).

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

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in West Virginia.

Tips for saving money on Charleston auto insurance

Drivers should always be looking to cut the monthly cost of insurance, so take a minute to review the tips and ideas in the list below and it’s very likely you can save a little dough on your next auto insurance policy.

• The higher deductible you choose, the lower the policy cost. Jacking up your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Shop around for a better deal. Take a couple of minutes to get free car insurance quotes could save a pile of cash. Rates change frequently and you can switch anytime.
• Driving citations can increase insurance rates. If you want to get cheap car insurance in Charleston, it pays to drive within the law. As a matter of fact, just a couple driving offenses have the consequences of raising insurance cost by as much as $632 per year. Major misdemeanors like driving while intoxicated could raise rates by an additional $2,200 or more.
• Remove optional coverage on older vehicles. Dropping full coverage from older vehicles that are not worth a lot will reduce the cost of auto insurance substantially.
• Buy vehicles that are cheaper to insure. The vehicle you drive is a primary factor in the price you pay for auto insurance. As an example, a Kia Soul costs $798 less per year to insure in Charleston than a Nissan 370Z. Drive cheaper models and save money.
• Being a safe driver saves money. Too many at-fault accidents can cost more, possibly up to $3,384 per year for a 20-year-old driver and even as much as $578 per year for a 60-year-old driver. So be a cautious driver and save.
• Your occupation could lower your rates. Some car insurance providers offer policy discounts for specific professions like high school and elementary teachers, nurses, engineers, accountants, dentists, lawyers, and others. By qualifying for this discount, you could save between $71 and $230 on your annual premium, depending on the policy coverages.