Cheapest Car Insurance Quotes in Charleston

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Charleston Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Charleston

The car insurance rate in Charleston is $929 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $413, making it a popular choice for budget-conscious drivers. Rates in Charleston can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Charleston

$929

Avg. Car Insurance in Mississippi

$868

National Average

$1140

Cheapest Car Insurance Companies in Charleston

1st place: Direct General Insurance

At $413 for a six month policy, Direct General Insurance offers the cheapest auto insurance rates in the city.

2nd place: Mississippi Farm Bureau

Mississippi Farm Bureau offers auto insurance rates at $458 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $769 for six months, making it the third cheapest auto insurance company in Charleston.

Charleston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charleston, MS is Direct General Insurance, offering policies at just $413 for a six-month term. This is followed by Mississippi Farm Bureau, which has an average six-month premium of $458.

At the higher end of the spectrum, Safeway is the most expensive, with rates reaching $1418 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charleston drivers find the best deals.

Cheap Car Insurance Companies in Charleston, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$413	$71
Mississippi Farm Bureau	$458	$76
USAA	$769	$129
Travelers	$789	$133
State Farm	$813	$137
Farm Bureau	$845	$141
National Farmers Union Insurance	$852	$144
Nationwide	$1017	$171
Progressive	$1074	$181
Shelter	$1106	$186
Allstate	$1233	$210
Farmers	$1290	$215
Safeway	$1418	$241

Key Takeaways

Way's key takeaways about car insurance in Charleston

The auto insurance costs in Charleston fall around $413 for six months.
The cheapest auto insurance company in Charleston is Direct General Insurance.
Teen drivers pay the highest rate in Charleston at $930 per month.

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Cheapest Minimum Liability Car Insurance in Charleston

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Charleston are given below.

Direct General Insurance provides the cheapest minimum car insurance coverage in Charleston. Their Average 6 Month Premium is $165. Farmers is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Charleston, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$165	$28
Mississippi Farm Bureau	$171	$29
National Farmers Union Insurance	$171	$29
State Farm	$197	$33
USAA	$210	$35
Farm Bureau	$266	$45
Progressive	$273	$46
Safeway	$324	$56
Travelers	$331	$56
Shelter	$381	$64
Nationwide	$394	$66
Allstate	$471	$79
Farmers	$566	$94

Cheapest Full Coverage Car Insurance in Charleston

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Charleston is Direct General Insurance at $71 per month and $413 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charleston, MS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$413	$71
Mississippi Farm Bureau	$458	$76
USAA	$769	$129
Travelers	$789	$133
State Farm	$813	$137
Farm Bureau	$845	$141
National Farmers Union Insurance	$852	$144
Nationwide	$1017	$171
Progressive	$1074	$181
Shelter	$1106	$186
Allstate	$1233	$210
Farmers	$1290	$215
Safeway	$1418	$241

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Average Car Insurance in Charleston by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Charleston, MS increasing?

Despite maintaining a clean driving record, your car insurance rates in Charleston, Mississippi, may be increasing due to several external factors. Mississippi has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Charleston's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Charleston

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Charleston,MS

If you are planning to get a car insurance policy for your teenage dependent, Direct General Insurance provides the cheapest car insurance in the Charleston at $35 per month. At $5580 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$210	$35
National General	$216	$36
Mississippi Farm Bureau	$235	$40
State Farm	$724	$122
USAA	$813	$137
Travelers	$992	$167
Farm Bureau	$1455	$247
Progressive	$1742	$293
Shelter	$2803	$476
Farmers	$3902	$651
Allstate	$4380	$745
Nationwide	$5580	$930

Teen Car Insurance Rates in MS by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Charleston, Direct General Insurance is the cheapest car insurance provider. At $210 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Charleston is Farmers, offering rates of around $3807 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Direct General Insurance	$210	$35
Mississippi Farm Bureau	$299	$50
Travelers	$973	$164
Progressive	$979	$165
USAA	$1182	$201
Nationwide	$1226	$207
Farm Bureau	$1449	$246
Allstate	$1976	$330
Shelter	$2523	$429
State Farm	$3070	$511
Farmers	$3807	$647

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Car Insurance Rates with An Accident in Charleston

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Charleston, MS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Charleston

The cheapest car insurance companies after an at-fault accident in Charleston include Mississippi Farm Bureau and Direct General Insurance, offering $235 and $337, respectively. Farmers is an expensive provider with an average six-month premium of $3083.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$235	$40
Direct General Insurance	$337	$58
National General	$343	$57
State Farm	$363	$61
Safeway	$387	$64
USAA	$426	$72
Shelter	$623	$105
Travelers	$648	$109
Progressive	$712	$120
Farm Bureau	$1087	$185
Nationwide	$1386	$233
Allstate	$1818	$309
Farmers	$3083	$514

Charleston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charleston MS. For example, the car insurance in Charleston after a DUI increases to $782 for a six month policy. While the rate increases by $261 for a six-month policy in the case of a speeding ticket.

Charleston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1131	$188
One Med/PIP claim	$1131	$193
Not-at-fault accident	$1182	$197
One comp claim	$1208	$205
Two Med/PIP claims	$1214	$202
Driving without lights	$1303	$221
Two comp claims	$1310	$218
Failure to show documents	$1347	$229
Failure to wear a seat belt	$1347	$225
Child safety restraint	$1354	$230
Driving with expired registration	$1354	$226
Driving too slowly	$1366	$232
Failure to stop at a red light	$1366	$228
Speeding in school zone	$1366	$232
Cell phone violation	$1379	$230
Improper passing	$1386	$235
Texting while driving	$1386	$231
Wrong way/wrong lane	$1386	$235
Speeding 6 - 10 MPH over limit	$1392	$232
Failure to yield	$1398	$238
Speeding 11 - 15 MPH over limit	$1398	$233
Following too closely	$1405	$239
Illegal turn	$1405	$234
Speeding 16 - 20 MPH over limit	$1405	$239
Speeding 21 - 25 MPH over limit	$1418	$236
Passing school bus	$1431	$243
In 65 MPH zone	$1468	$245
At-fault accident - less than $1000	$1538	$261
Operating a vehicle without permission	$1550	$259
Open container	$1595	$272
At-fault accident - $1000-$2000	$1659	$276
At-fault accident - greater than $2000	$1659	$282
Driving with a suspended license	$1729	$288
Reckless driving	$1729	$294
Refusal to submit to a chemical test	$1894	$316
DUI	$1913	$325
Racing	$1932	$322
Leaving scene of an accident/hit and run	$1945	$331

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Charleston after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Charleston.

The cheapest car insurance premiums in Charleston are offered by Mississippi Farm Bureau at $331 for a six-month policy. However, it can be as expensive as $3083 with companies like Farmers.

Charleston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$331	$57
Direct General Insurance	$337	$56
National General	$343	$59
State Farm	$789	$133
Travelers	$826	$139
Progressive	$845	$142
USAA	$1094	$184
Farm Bureau	$1373	$229
Shelter	$1627	$274
Allstate	$1729	$291
Nationwide	$1760	$296
Farmers	$3083	$514

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Charleston are offered by Mississippi Farm Bureau at $190. However, it can be as expensive as $1850 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Charleston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mississippi Farm Bureau	$190	$32
Direct General Insurance	$266	$45
State Farm	$419	$71
Progressive	$737	$124
USAA	$800	$134
Farm Bureau	$908	$154
Travelers	$1125	$187
Shelter	$1334	$227
Allstate	$1360	$227
Farmers	$1615	$275
Nationwide	$1850	$308

Car Insurance Price Trends in Charleston, Mississippi

Car insurance rates in Charleston have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Charleston remained steady at $218 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Charleston remained steady at $49 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Charleston?

The car insurance in Charleston is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Charleston?

The cheapest car insurance in Charleston is $71 per month for full coverage.

How much is car insurance in Charleston for teenagers?

Car insurance for teenagers costs $210 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Charleston?

The average cost of car insurance is $868 for a six-month policy. It will cost around $156 per month to insure your car in Charleston.

Is car insurance expensive in Charleston?

Car insurance can be expensive in Charleston if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Charleston can be affordable.

What is the best car insurance in Charleston, MS?

The best car insurance company in Charleston MS is Direct General Insurance, offering $413 for a six-month policy.