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How much is car insurance in Summerville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of South Carolina are about $23 a month cheaper than the rates drivers pay in Summerville.
Similarly, Summerville residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of auto coverage in Summerville is about $46 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. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Summerville to help you understand what your monthly premium might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, 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.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement, however, you may see your rates begin to go back up in Summerville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference in Summerville is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Summerville with one accident will pay around $164 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $166.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$123|
In terms of affordable coverage, the cheapest vehicles to insure in Summerville are usually trucks and vans, at $114 per month.
Car owners will see a monthly bill of about $133, while SUV owners by and large pay around $118 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Summerville, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$136|
More often than not, people who are married will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Summerville is about $38 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$154|
Another factor taken into consideration is your living situation. Drivers who own property in Summerville can expect to pay around $27 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Summerville, SC
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 an insurance provider.
In Summerville, auto insurance rates rose from 2017-2018, before leveling out in 2019. Rates went up again, reaching a high of $168 in 2021, and finished down at $148 in 2022.
How does Summerville compare to neighboring areas?
Why are car insurance rates in Summerville different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for coverage. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Local laws
- Number of drivers in the area
- Amount of off-street parking
- Crime levels
- Road Safety (frequency of car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. With the knowledge 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?
While getting familiar with 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.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Summerville.
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Summerville Insurance FAQs
What factors affect car insurance quotes in Summerville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
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 parking situations, local laws, and crime rates -- 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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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