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How much is car insurance in Summerville?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of South Carolina are about $21 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 average monthly payment in Summerville is about $40 more expensive than the rate for the rest of the U.S.
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 number of factors when deciding what amount to charge you for insuring your vehicle. 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.
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. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $103 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. 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
Female drivers pay, on average, slightly less than their male counterparts. The price for insurance coverage in Summerville, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Summerville with a single accident on their record will usually see rates around $157 a month. In addition, drivers with one ticket can expect to pay around $201 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$114|
|15 Years or Older||$114|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Summerville, with drivers paying around $106 per month for insurance coverage.
SUV drivers will see rates of about $116, while the rates for car owners average out to about $124 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Summerville, for example, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$129|
On average, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Summerville follows that pattern, with the difference totaling to around $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$158|
Another factor that comes into play is your living accommodations. Renters can expect to pay around $25 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 average premiums, depending on your insurance company.
Car Insurance Companies in Summerville, SC
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 picking an insurance policy.
The rates for car insurance in Summerville declined from 2016-2017, when they reached a low of $100. This trend leveled out in 2020, when they began to increase, and have continued on that road through the present, where car insurance rates finished at $178 per month.
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 deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area crime rates
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Area regulations
- Number of drivers in the region
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 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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Summerville.
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, address, and marital status.
Why is the cost of car insurance in Summerville different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 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.