Car Insurance in Charleston, South Carolina

Charleston drivers can rely on GEICO for fair and dependable car insurance tailored to local needs. With the GEICO Mobile app, you get easy policy management, access to local specialists, and coverage you can count on, backed by nationwide support and convenient bundling options that simplify protection across your assets.

Get a Car Insurance Quote in Charleston

Shopping for car insurance shouldn’t slow you down. GEICO lets you secure a fast, free quote, personalized to your ride, driving history, and coverage needs. You can find the right policy right from your device with our online tools. Compare coverage options, choose coverage limits, and find possible discounts, all in real time. With our convenient help, you can build a policy that fits your budget and lifestyle without stepping outside.

Minimum Car Insurance Requirements in Charleston

South Carolina law mandates certain minimums to drive legally. Every Charleston driver must carry liability insurance that can cover expenses if you cause injury or damage in an accident.

Coverage Type South Carolina Minimum Limit
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $25,000 per accident
Uninsured Motorist (Bodily Injury) $25,000 per person / $50,000 per accident
Uninsured Motorist (Property Damage) $25,000 per accident

These limits ensure you meet legal requirements, but GEICO encourages many drivers to consider higher limits or additional protection for greater financial security.

Auto Insurance Coverages in Charleston, South Carolina

Minimum liability meets the law, but optional add-ons offer extra protection for you and your vehicle.

Liability Coverage

Required by law, liability insurance covers medical bills, lost wages, and legal fees if you're at fault in an accident that injures someone or damages their property.

Collision & Comprehensive

Collision coverage covers damage to your vehicle in accidents, repairs after hitting objects, or other drivers. Comprehensive coverage protects against non-collision events like theft, weather damage, vandalism, or hitting animals.

Medical Payments & PIP

South Carolina doesn't require Personal Injury Protection (PIP), but Medical Payments (MedPay) offers optional coverage to help handle medical or funeral expenses for you or your passengers regardless of fault.

Uninsured/Underinsured Motorist Coverage

Many drivers in South Carolina carry minimal insurance. Uninsured and Underinsured Motorist coverage helps if you're injured and the at-fault driver has no insurance coverage or not enough to cover your costs. It can help with medical bills, lost wages, and more.

Charleston, South Carolina Car Insurance Discounts

When it comes to keeping your auto insurance affordable, GEICO insurance offers Charleston drivers a wide range of discount opportunities. You may qualify for these GEICO discounts in Charleston:

  • Multi-policy discount: You can unlock additional savings when you combine your GEICO auto insurance with another policy, such as renters, homeowners, or motorcycle insurance.
  • Good driver discount: You may be eligible for this discount if you’ve maintained a clean driving record without recent accidents or violations. GEICO rewards your safe driving habits with a reduced auto insurance rate.
  • Good student discount: Students with strong grades may earn a discount.
  • DriveEasy* Savings: Get rewarded for good driving by participating in the DriveEasy program through the GEICO mobile app.

How Much Does Car Insurance Cost in South Carolina?

Car insurance for South Carolina drivers typically falls below the national average. If you’d like guidance on coverage, the best fit, and more protection options, use GEICO’s coverage calculator for information best suited for your needs.

Optional Car Insurance Coverages and Add-Ons

GEICO auto insurance offers a variety of add-ons that enhance your protection and convenience, especially if you're driving long distances, dealing with unpredictable weather, or using your vehicle for work.

Charleston drivers can enhance protection with these add-ons:

Each can be added to your policy based on your driving habits and what matters most to you.

Get a Free Charleston Car Insurance Quote Today!

Finding the right car insurance in Charleston is easy with GEICO. You can get a free online quote in minutes or connect with a GEICO specialist by calling (800) 241‑8098 or through the mobile app. Explore your options today and discover how much you could save with GEICO.

Please note:

DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

Discounts vary by policy and location. You can explore details on GEICO’s car insurance discounts page.