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How much is car insurance in Summerville?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Georgia, coverage in Summerville is about $25 a month cheaper.
Compared to the national average cost of auto insurance coverage, Summerville has lower rates. The average monthly payment in Summerville is about $0 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Summerville, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. 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 policy payment.
Don't worry, we've done the work for you and broken down average rates for Summerville to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Summerville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $74 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, you may see your rates rise again in Summerville.
Summerville Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This rings true in Summerville, where women pay around $17 less per month than men. As you can see in the table above, female drivers in the area typically pay $73 on average, while female drivers typically pay $90 each month.
Summerville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Summerville with one accident will pay around $119 a month. Similarly, drivers with one ticket will typically pay around $135 on average.
Summerville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$149|
|15 Years or Older||$68|
In Summerville, the cheapest vehicles to insure are usually SUVs, with drivers paying around $72 per month for insurance coverage.
Car owners can expect to pay an average of around $87 a month for their policy, while truck and van drivers are usually around $73 to insure each month.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Summerville are vehicles less than one year old.
Summerville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$85|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Summerville is about $13 a month, with married couples paying less for coverage than single drivers.
Summerville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $15 a month more than homeowners in Summerville. But if you live with your parents, your rates will be significantly higher.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Summerville, GA
Recent trends in car insurance for Summerville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
Auto insurance rates in Summerville had been increasing from 2017-2018, but began to decrease in 2021. This trend has continued through 2022 when rates have most recently reached $59 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 several factors when deciding how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Access to off-street parking
- Road Safety (how many accidents each locality has)
- Crime levels
- Regional regulations
- Amount of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Summerville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Summerville.
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Summerville Auto 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, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Summerville different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Summerville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Summerville or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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