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How much is car insurance in Summerville?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Summerville is about $23 a month cheaper than it is for the rest of Georgia.
On the other hand, residents of Summerville might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Summerville is about $2 more expensive than the national average.
Keep in mind that while these are the average car insurance rates for Summerville, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down the average rates for Summerville to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Summerville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Summerville is about $16 per month. As illustrated in the table above, male drivers in the area pay about $92 on average, while female drivers pay around $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. In Summerville, a driving record with a single accident will usually get you a rate around $121 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $138.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$149|
|15 Years or Older||$69|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Summerville, with drivers paying around $73 per month for insurance coverage.
SUV drivers will see rates of about $77 for insurance coverage, while car owners by and large pay around $89 a month.
You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your rates begin to 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)||$89|
Overall, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
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 $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Summerville. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Summerville, GA
Recent trends in car insurance for Summerville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
Auto insurance rates in Summerville increased from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $64.
How does Summerville compare to neighboring areas?
Why are car insurance rates in Summerville different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Crime rates
- Number of drivers in the community
- Road Safety (frequency of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Summerville?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Summerville.
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Summerville Insurance FAQs
What factors affect car insurance quotes in Summerville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Summerville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Summerville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Summerville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Summerville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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