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Charleston Car Insurance Resources

Charleston, SC Car Insurance

Cars Insured in Charleston

^ There are an estimated 88,484 vehicles currently insured in Charleston. [1]

Car Insurance Rates in Charleston

^ From 2006 to 2010, South Carolina cities had the 23rd highest auto insurance rates in the nation. [2]

Uninsured Motorists in Charleston

^ There are an estimated 9,468 uninsured motorists driving in Charleston. [3]

SC Car Insurance

Charleston Car Insurance

Car Insurance Liability Requirements in Charleston

  • Minimum Liability Limits in Charleston: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Charleston

Required Car Insurance Coverage in Charleston
  • Charleston Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Charleston

  • Insurer Verification of Auto Insurance in Charleston [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Charleston Car Insurance Facts, Estimates & Related Laws

Charleston Car Insurance Stats

Charleston Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Charleston
    • Based on historical and current data, 88,484 cars are currently insured in Charleston. [5]
    • South Carolina cities collectively ranked 24th in the nation in auto insurance policies in 2011 with a total of 3,408,224. [1]
  • Uninsured Motorist Rate in Charleston
    • Based on historical and current data, Charleston has an estimated 9,468 uninsured drivers. [6]
    • South Carolina cities collectively had the 37th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Charleston
    • South Carolina cities collectively had the 23rd highest auto insurance rates in the nation in 2010. [2]

Charleston Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? No
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • n/a. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


Charleston Automotive Laws

  • Minimum Driving Age in Charleston [9]
    • Charleston, SC minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Charleston
    • Renewal cycle: 10 years [7]
  • Motorcycle Helmet Laws in Charleston
    • Motorcycle helmets required for 20 and younger. [7]
  • Safety Belt Laws in Charleston
    • Safety belt laws have been in place since 1989 and apply to drivers/passengers 6+ years in all seats. [7]
    • Child restraint law in place for 1 year and younger or less than 20 pounds in a rear-facing infant seat; 1 through 5 years and 20-39 pounds in a forward-facing child safety seat; 1 - 5 years and 40-80 pounds in booster. [7]

South Carolina Car & Driver Facts

South Carolina Auto Registrations

South Carolina Car & Driver Facts
  • Auto Registrations in SC [8]
    • Registered Cars: 1,983,691
    • Registered Trucks: 1,726,266
    • Registered Motorcycles: 108,371
    • Total Registrations: 3,827,208
    • Rank: South Carolina ranked 25th in the United States in total auto registrations in 2011.

South Carolina Automotive Facts

  • Speed Limits in SC
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • South Carolina Motor Fuel Consumption
    • South Carolina cities collectively ranked 18th in the nation in total motor fuel consumption in 2011. [10]

South Carolina Licensed Drivers

  • Licensed Drivers in SC [11]
    • Female Drivers: 1,775,011
    • Male Drivers: 1,633,307
    • Total Drivers: 3,408,318
    • Rank: 23rd highest in the U.S.

Additional information about Charleston, SC

About Charleston

Charleston (South Carolina) is a city with a population of 120,083 [12] that is located in Charleston County.

SC Car Insurance

More about Charleston auto insurance

For more information about Charleston car insurance, or for additional resources regarding South Carolina car insurance overall, visit the South Carolina Department of Insurance.

Did you know?

Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

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