For a 40-year-old driver with a clean record, car insurance in Mount Pleasant, SC, averages about $189 a month ($2,267 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. The South Carolina average is about the same, at $189 a month. GEICO has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $147 a month.
Mount Pleasant costs less to insure than the rest of the Charleston area. Our benchmark driver pays about $189 a month here, about the same as the state average and about $19 a month less than in Charleston, across the Cooper River.
Our data covers Mount Pleasant’s two ZIP codes, 29464 and 29466, which average about $188 and $190 a month. For Mount Pleasant car liability insurance at South Carolina’s 25/50/25 minimum, our benchmark driver pays about $73 a month on average, and GEICO has the lowest liability-only average among the five major insurers we compared here, about $49.
Cost data comes from the auto rates insurers file with state regulators, priced across both Mount Pleasant ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Mount Pleasant, SC, costs about $189 a month ($2,267 a year) for full coverage and $73 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. South Carolina as a whole averages $189 a month, which is roughly the same.
GEICO has the lowest full-coverage average among the five insurers in our Mount Pleasant rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these five insurers, at about $49 a month, followed by Progressive at $59.
Full-coverage averages by insurer in Mount Pleasant
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $588 | $49 | $1,767 | $147 |
| Progressive | $707 | $59 | $1,860 | $155 |
| Travelers | $872 | $73 | $2,030 | $169 |
| State Farm | $1,029 | $86 | $2,420 | $202 |
| Allstate | $1,160 | $97 | $3,258 | $272 |
| American National* | $402 | $34 | $939 | $78 |
| USAA (military families)* | $431 | $36 | $1,350 | $113 |
| Auto-Owners* | $621 | $52 | $1,456 | $121 |
| South Carolina Farm Bureau* | $625 | $52 | $1,567 | $131 |
| Mount Pleasant average | $871 | $73 | $2,267 | $189 |
This table uses Mount Pleasant ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $187 a year on average in our Mount Pleasant data, with the same $500 deductibles. That’s about $16 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Mount Pleasant ZIP codes, full coverage averaged $2,361 a year nine months earlier and $2,267 in rates as of Aug. 31, 2026, a 4.0% drop. State Farm cut its Mount Pleasant average 16.3%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%, led by State Farm, which cut its liability-only average 9.3%.
Charleston County averages $2,521 a year for full coverage, the fourth-most expensive of the 44 South Carolina counties we price, but Mount Pleasant is priced well below the county average. Across the Cooper River, Charleston averages about $208 a month and North Charleston $217.
The insurer you pick matters more here than in any other South Carolina city we publish a guide for: GEICO averages about $147 a month for full coverage and Allstate $272, a gap of about $125 a month for the same driver and car. Insurers group South Carolina ZIP codes into rating territories approved by the state Department of Insurance, which is why neighboring towns can be priced differently.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Charleston, across the Cooper River, averages $208 a month, and Summerville, about 24 miles northwest, $210. Myrtle Beach, about 84 miles northeast, averages $181. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Mount Pleasant follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
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Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Mount Pleasant, SC, costs about $189 a month ($2,267 a year) for full coverage and $73 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s about the same as the South Carolina average of $189 a month.
GEICO has the lowest full-coverage average among the five major insurers we compared in Mount Pleasant, at about $147 a month, with Progressive close behind at $155. American National*, which we price from published rate studies, comes in lower, at about $78 a month. For liability-only coverage, GEICO has the lowest average among the five major insurers we compared, at about $49 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Mount Pleasant full coverage averages about $189 a month and Charleston about $208, a difference of about $19 a month for the same driver and car.
In our data, 29464 averages about $188 a month for full coverage and 29466 about $190, so the two are priced about the same.
In our Mount Pleasant data, full coverage (100/300/100 with $500 deductibles) averages about $189 a month and liability-only coverage at 25/50/25 limits about $73, a difference of about $116 a month ($1,396 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Mount Pleasant must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Mount Pleasant full coverage fell 4.0% over the past nine months, from about $2,361 to $2,267 a year. State Farm cut its Mount Pleasant average 16.3%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.4%.
For our benchmark driver, full coverage in Mount Pleasant averages about $189 a month. Nearby, Charleston averages about $208, Summerville about $210 and Sumter about $198. Mount Pleasant is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
