Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Daniel Island, Charleston, SC

We monitor insurance prices, helping the average driver in Daniel Island save up to 29.7% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Daniel Island

The chart below shows the cheapest car insurance company in Daniel Island for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Auto-Owners Insurance, and Safeco Insurance.

 
Daniel Island Insurer Monthly Cost
Geico $57
State Farm $65
Auto-Owners Insurance $65
Safeco Insurance $71

Savings for Every Kind of Daniel Island Driver

The table shows how much the average auto insurance customer in Daniel Island might save by following our recommendations.

Based on our extensive insurance data, we know the average Daniel Island driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $355 per year by choosing the right vehicle insurance company. Some Daniel Island residents are paying out over $1,621 extra every year for auto insurance in Daniel Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Daniel Island, Charleston, SC Savings / Yr.
Drivers with good records
$355
Drivers with accidents
$638
Drivers with speeding tickets
$539
Drivers with a DUI conviction
$671
Young drivers
$1,312
Married drivers
$300
Drivers with bad credit
$390

Daniel Island Car Insurance vs. Charleston

People living in Daniel Island pay an average of 0.50% less than the typical driver in the state. The average driver in Daniel Island can expect to pay about $953 per year, or $1,621 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Daniel Island for most people.

Car Insurance Prices by Daniel Island Neighborhood

Daniel Island, Charleston, SC map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Daniel Island?

The map shows insurance prices in and around Daniel Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,621 to a low of $1,620. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the North parts of Daniel Island.

Pick the Best Car Insurance Company for You in Daniel Island

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Daniel Island insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Daniel Island

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $355 over the average Daniel Island car insurance company.

Visit Site

We use the average good driver, paying $106 per month, as our baseline for pricing in Daniel Island. State Farm, Geico, and Kemper are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Daniel Island drivers with accidents on their records

In Daniel Island getting into an accident will raise premiums an average 33% for a yearly cost of $2,433. That's $812 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $638 over the competition.

Visit Site

The best car insurance company for Daniel Island drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $539 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Daniel Island, tickets raise premiums on new quotes about $472. If you have a speeding ticket, we recommend State Farm, Geico, and Kemper for savings that beat the average insurance cost of $2,092 per year.

The best auto insurance for Daniel Island drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,261 per year in auto insurance premiums, which was $640 more than a driver with no major issues. State Farm, Kemper, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Kemper may cost the average person with a DUI about $671 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Daniel Island

In Daniel Island, Geico costs young drivers $1,312 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Daniel Island. With an average cost of $4,974 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Daniel Island

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $150. State Farm, Geico, and Progressive provided the largest discounts to couples living in Daniel Island.

Geico gave the largest car insurance discounts to married couples, averaging $300 saved each year compared to an average Daniel Island couple's premiums.

Visit Site

The cheapest car insurance in Daniel Island for drivers with bad credit

People with poor credit saved an average of $390 with Nationwide.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,088 every year. Premiums for people with poor credit were about $2,708 in Daniel Island. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Travelers.

The best Daniel Island car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Daniel Island, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Daniel Island.

Nationwide was the best company for customer service in Daniel Island according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Daniel Island, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Daniel Island. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Daniel Island

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 38% of Daniel Island residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Daniel Island driver can expect to pay about $110 per month.

Visit Site

What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Daniel Island, USAA has the best prices for drivers with speeding tickets, married couples, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Daniel Island

What Influences the Cost of Car Insurance in Daniel Island?

On average, car insurance in Daniel Island is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Daniel Island is 28 minutes, which is a little more than average for a driver in the city.
  • South Carolina state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Daniel Island are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Daniel Island is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Daniel Island is $79 per month for minimum coverage and $135 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Daniel Island driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Daniel Island with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.