Table of contents
How much is car insurance in Summerville?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Summerville is about $19 a month cheaper than it is for the rest of Georgia.
That being said residents of Summerville might expect to pay higher rates for coverage than the rest of the country. It's about $5 more expensive for coverage in Summerville than the average rates for the U.S. as a whole.
While these numbers are the average rates for auto insurance in Summerville, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Summerville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $80 more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may begin to go back up in Summerville.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Summerville, where women pay around $16 less per month than men. Based on the chart above, you can see that female drivers pay around $78 on average, while male drivers typically pay $94 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Summerville, a driving record with one accident will usually get you a rate around $125 a month. In addition, drivers with one ticket can expect to pay around $198 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$156|
|15 Years or Older||$71|
In Summerville, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $71 per month for insurance.
Car owners can expect to pay an average of around $90 a month for their policy, while SUVs usually cost around $84 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Summerville, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
Generally, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Summerville is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$96|
Another factor that comes into play is your living situation. Renters can expect to pay around $19 a month more than those who own their own home in Summerville. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Summerville, GA
Recent trends in car insurance for Summerville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for auto insurance in Summerville had been increasing from 2016-2018, before leveling out in 2019. They finished down in 2021, at $118 a month
How does Summerville compare to neighboring areas?
Why are car insurance rates in Summerville different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Prevalence of crime
- Number of car accidents
- Community laws
- Number of drivers in the community
- Off-street parking accessibility
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Summerville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Summerville in no time.
Summerville Insurance FAQs
What factors affect car insurance quotes in Summerville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Summerville different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Summerville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Summerville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Summerville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.