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Cheap Car Insurance in Charleston, South Carolina

Find cheap car insurance in Charleston, the South Carolina port city known for hot summers, rich Civil War history and southern charm. Founded in 1670 and named for King Charles II of England, Charleston today is the oldest and largest city in the state, with a population close to 135,000. Charleston is the seat of the county of the same name and is divided into six distinct areas, including “the Peninsula,” which is its downtown, plus James Island, Johns Island, Daniel Island and West Ashley.

The city limits basically encompass a group of barrier islands surrounded largely by a salt marsh. Charleston’s live oaks and Spanish moss earned it a role as a scenic backdrop in films such as “The Patriot” and “The Notebook.” Charleston is also famous for its local cuisine of crabs, oysters, fried chicken and grits.

Driving Conditions in Charleston

Interstate 26 begins in Charleston’s downtown and runs northward through North Charleston, the Airport and into Columbia. Interstate 526 forms a bypass around Charleston and is also called the Mark Clark Expressway. Note that all major roads have both numbers and names in Charleston. An 8-lane, cable-stayed bridge over the Cooper River connects downtown with Mount Pleasant to the northeast via U.S. 17. Traffic congestion is light compared to other cities its size.

The average commute time for Charleston, according to Census Bureau data, is just under 21 minutes, five minutes shorter than the national average. The South Carolina 511 system provides up-to-the-minute information on delays, accidents and construction projects at

Unique Laws in Charleston

Charleston still has its “Holy City” ordinance dictating that no building can be constructed higher than its tallest church steeple. Local liquor laws ban Sunday sales, and only designated “red dot stores” may sell hard liquor.

Beginning in November 2018, moped operators in South Carolina must register their mopeds with the state Department of Motor Vehicles. If under 21, riders will be required to wear a helmet.

In South Carolina, laws still declare it illegal for a minor under 18 to play pinball, for males over 16 to promise marriage and then back out and for railroad companies to scare horses without making amends.

Charleston Crime Statistics

The most recent FBI data shows there were 408 violent crimes in 2016 within Charleston, 11 of which were murder/manslaughter. Just over half were aggravated assaults. The Charleston violent crime rate of 302 offenses per 100,000 residents is lower than the average U.S. violent crime rate of 386 per 100,000 people. The property crime rate in Charleston was 2,485 per 100,000 residents, also just below the national average of 2,451 per 100,000.

Within the city, 261 vehicles were stolen in 2016, FBI data shows, a rate of 193 per 100,000 residents, below the national average of 236 incidents per 100,000 people.

Charleston Safety Requirements

South Carolina law requires every driver and all passengers to be secured with seat belts. The seat belt law in 2005 went from secondary to a primary law, meaning you can be pulled over and cited simply for not being buckled up. According to the South Carolina DMV, children under age 1 or who weigh less than 20 pounds must ride in a rear-facing safety seat. A child at least 8 years old at least 57 inches tall can ride only with a seat belt provided the belt fits properly. Texting while driving is banned statewide.

Charleston Impaired Driving Laws

Like most other states, the threshold for a DUI arrest in South Carolina is a blood alcohol concentration, or BAC, of .08. If you’re under 21, the BAC drops to .02 and commercial drivers can be charged with a BAC of .04. A first conviction can result in a fine or up to 30 days in jail and a license suspension for six months. If you’re BAC is between .10 and .15, fines are higher and the license suspension is longer.

Those found to have a BAC over .15 must have an ignition interlock for at least six months, can serve up to 90 days in jail or a $1,000 fine, and that’s just for a first conviction. A second conviction even with a BAC of under .10 will earn you at least a $2,100 fine plus five days to a year in jail and indefinite license suspension. No matter what you’re background, it is possible to find cheap car insurance in Charleston, S.C.; contact us for quotes.

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Car Insurance Charleston, South Carolina Agents

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  • Roe & Associates


    Raymond Roe

    At roe & associates, inc., We want every customer, no matter what the situation, to have a positive experience with our agency. We look at these situations as an opportunity to earn a customer for life. Our number one priority is to deliver what that customer asks for and fulfill their unstated auto, sr22, home, flood, business and health insurance needs. Another of our core values is to deal with our customers with open and honest communication.

    What makes your specific agency stand out from your competition?

    Our goal is to partner with our clients, business or personal, to maximize their coverage and minimize their cost. We are in essence an insurance superstore. We provide our clients access to the major insurance carriers in the industry, 24 hours a day 7 days a week, allowing them to choose the best coverage according to their needs while at the same time maintaining competitive pricing. We serve charleston, north charleston, summerville, mount pleasant, goose creek and all other areas in south carolina.

    • Discount and Special Program offered Auto Insurance Bonds Business Insurance Dental Insurance Final Expense Insurance (no Medical Questions) Limousine Quote Medicare Advantage Plans Medicare Supplemental Insurance Term Life Insurance (no Medical Exam Required) Home & Renters Insurance Vehicle Insurance Flood Insurance

    • License Type


    • License Number


    7089 Rivers Ave
    Charleston, SC 29406

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    I work with 4 Different Construction Companies and they are all insured Through Raymond Roe & Associates. They go ABOVE & BEYOND to make sure we get what we need on time. Outstanding agents and service. We would all Highly Recommend.

    I have had my vehicle, and health insurance through roe for many years. They always find the best policy for your needs and for your budget. Everythg is easier because they have the latest up to date technology. Nicole is the most helpful at customer service with a smile and very knowledgable when it comes to changes and deadlines. I recommend roe to all my clients for all their insurance needs. Its a relief to find peace of mind with a company that you can count on.

  • Kevin Shealy


    Kevin Shealy

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance

    What makes your specific agency stand out from your competition?

    Allstate agent kevin shealy serving charleston, sc is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.

    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

    • License Type

      Insurance License

    • License Number


    781 Saint Andrews Blvd
    Charleston, SC 29407

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  • Allstate Insurance Agent: Wally Burbage


    Wally Burbage

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance

    What makes your specific agency stand out from your competition?

    Allstate agent wally burbage serving charleston is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.

    • Discount and Special Program offered Multi Line Discount Accident Free Good Driver Student Driver Smart Driver Safe Driver

    • License Type

      Insurance License

    • License Number


    1655 Savannah Hwy Unit B
    Charleston, SC 29407

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  • Cliff Heath Insurance


    Erica Arce-heath

    At cliff heath insurance we pride ourselves in offering the insurance charleston, sc residents can count on. Our services include auto, home, life, and business insurance plans. We offer complete insurance services without the gimmicks. It is our goal to provide the insurance charleston and mt. Pleasant residents can truly rely on. We know that our clients are looking for the best deal on insurance without a hassle. That is why we are dedicated to finding the right plan for each customer in the most efficient way possible. Our agents work diligently to find the best plan for every situation. As an independent insurance provider, we will shop around for the best coverage and rate for your individual needs. Our process of checking with multiple providers will save you both time and money. It is important to be ready for whatever curves life may throw your way. Cliff heath insurance is prepared to do just that. Life can be unexpected, let cliff heath insurance keep you covered.

    What makes your specific agency stand out from your competition?

    Founded in 1974, we have quickly become a leader in south carolina insurance. We are known for providing the best rates for insurance charleston, sc has to offer. Our dedicated team of insurance agents will help you find the plan that is best suited to your needs, every time. If your needs change, just call your agent they will be happy to assist you in finding the right plan. Our insurance agents are dedicated to finding the perfect plan for you. We have access to a number of providers and we can find the best deal for you quickly. Do not waste your valuable time trying to compare rates on your own. Call one of our experienced professionals today and they will get you the results you are looking for. Let our agents save you the time finding the right provider and plan. Our insurance agents are highly trained and know how to find the best plans in a fraction of the time. With over 35 years of experience cliff heath insurance knows how to find the best plan for you.

    • Discount and Special Program offered Multi-policy Accident Free Advanced Quote Eft/automatic Debit Accident Prevention Course

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    1531 Sam Rittenberg Blvd. Charleston, Sc 29407
    Charleston, SC 29407

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  • The Brinson Agency

    1739 Maybank Hwy
    Charleston, SC 29412

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    Very helpful with all aspects of policy and coverage as well as assistance with any questions or concerns.

    Great customer service. Easy to work with. Took care of my home and auto insurance.

  • Lee Demarest

    1890 Sam Rittenberg Blvd Ste 215
    Charleston, SC 29407

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    I got great rates and excellent service. Saved lots of money on my car insurance. The office staff is always willing to help, they are friendly and knowledgeable.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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