North Charleston Car Insurance

(Find the right car insurance policy for you.)

Written by Christina Palermo
Written by Christina Palermo

Christina is a freelance writer and licensed insurance agent. She has worked in many facets of the insurance industry, from entry-level assistant to account manager/sales rep to vice president of operations.


North Charleston is South Carolina’s third-largest city with 113,237 residents who enjoy living in a dynamic metro area known as “a great place to live, work, and play.” North Charleston really does have plenty to brag about. It is a major industrial hub in The Palmetto State, as well as a community that regularly sets gross retail sales records. 

Sixty-two percent of the city’s households have children, all of whom have the option to attend one of the best high schools in America, Academic Magnet High School. Of course, with so much hustle and bustle, you’ll want to be sure you have great car insurance coverage. It’s easy to do when you work with a local independent insurance agent

North Charleston, SC Car Insurance Costs

The average annual insurance premium, which is a bit lower than the national average, is only an estimate of your final rates. 

  • North Charleston, SC average annual premium: $1,086
  • South Carolina average annual premium: $1,210
  • National average annual premium: $1,311

There are a few different factors that will influence the final price for your North Charleston car insurance policy:

  • Driver’s age and motor vehicle record
  • Vehicle’s make and model
  • Age, condition and mileage of the car
  • The deductible amount you pick
  • The type of coverage and benefit amounts you select

Common Car Insurance Discounts

The majority of American auto insurers offer their customers discounts that can lower the insurance premium. Typical car insurance discounts include: 

  • Safe driving 
  • Accident-free
  • New customer 
  • Low mileage
  • Safety features (e.g., air bags, car alarms)
  • Military or veteran
  • Senior 
  • Good student 
  • Professional organization membership
  • Bundling or combining of auto insurance with other policies through the same insurer

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

South Carolina Car Insurance Requirements

The South Carolina Department of Motor Vehicles (SCDMV) legally requires minimum liability amounts for every passenger vehicle on the roadways. Minimum liability insurance will cover property damage or physical injury caused to another person because of your negligence. Each state has its own car insurance rules and its own minimum liability insurance amount requirements. South Carolina motorists must carry the following coverage:

  • Bodily injury liability: This coverage is required. It pays for injury/death to others resulting from an accident you are legally responsible for causing. 
  • Property damage liability: This coverage is required. It pays for damage to other people's property from an accident you’re legally responsible for causing.
  • Minimum liability limits (25/50/25):
    • $25,000 liability coverage for the injury or death of one person
    • $50,000 liability coverage for the injury or death of more than one person
    • $25,000 liability coverage for damage to another person’s property

The Palmetto State has fines for failure to have the minimum car insurance coverage. Drivers who don’t follow the law will have to pay $5 for every day their vehicle isn't insured, up to $200. If they don’t get the right insurance set up within 20 business days, then they could face suspension of their driving privileges, vehicle registration, and license plate, plus have to pay up to a $500 reinstatement fee.

South Carolinians aren’t required to get personal injury protection (PIP) or uninsured motorist coverage. But uninsured motorist benefits are usually worth considering since there’s always a good chance that another driver could “run into” you.

South Carolina Uninsured Motorists

  • South Carolina uninsured motorists: 9.4%
  • National uninsured motorists: 13%
  • Average vehicle repair cost in South Carolina: $1,952

Uninsured motorist coverage can give you peace of mind knowing that if an at-fault driver doesn’t have liability insurance or the money to make things right, you’ll still get money to make repairs or cover your medical bills. 

Other Auto Insurance Options 

Besides the state’s legally required liability insurance, you can buy other types of North Charleston car insurance for your vehicle like any of these:

  • Additional liability: You can opt for higher liability insurance benefit amounts, which will give you more protection. That way you don’t have to personally pay for damage you caused that exceeds your basic policy amounts. 
  • Collision coverage: This will pay for repairs on your vehicle or replacement of your vehicle if there’s a total loss.
  • Comprehensive coverage: This typically covers a list of specific risks that could harm your car, including theft, vandalism, fire, and other hazards. It’s best to read through the car insurance policy you have to know which dangers your insurance company will handle. 
  • Medical payments coverage: Should you suffer physical injuries in a car crash, this benefit will reimburse you for bills caused by medical treatment and/or hospitalization, subject to your policy limitations.

Car Thefts in North Charleston, SC

The rate for car theft is higher in North Charleston than in other areas of the state or the country. 

  • North Charleston, SC thefts per 1,000 vehicles: 4.77
  • South Carolina thefts per 1,000 vehicles: 3.49
  • National thefts per 1,000 vehicles: 2.94

No matter where you live there are plenty of common-sense steps you can take to prevent having your car stolen. It’s important to keep your car locked and parked in a secure, well-lit area. You may also want to buy anti-theft devices and GPS trackers for your vehicle. If none of these measures work and a car thief still strikes, then you can rely on your comprehensive auto policy to replace the stolen vehicle. 

How to Find Car Insurance in North Charleston, SC

A local insurance agent can provide you with several comparable North Charleston auto insurance quotes from reliable insurers. 

Contact an independent insurance agent to get your car insured and on the road today. 

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