Cheapest Auto Insurance in Summerville, South Carolina (2026)

Car insurance in Summerville averages $219 monthly. This is higher than the state average of $192 and the national average of $136.

Two key elements could be driving up these rates: the city’s high population density and accident frequency. Summerville is South Carolina’s seventh-largest city and had 1,535 collisions in 2021 (the most recent data available), or 4.2 per day.^[1]

Comparing car insurance quotes from multiple insurers can help you find affordable coverage in Summerville.

3 of the cheapest car insurance companies in Summerville

In a city with higher-than-average insurance costs, the following three stand-out companies are affordable and offer quality service. Keep in mind that the right insurer for you hinges on your personal needs and situation.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
USAA	9.1	$108	$70	Military community
Auto-Owners	8.2	$116	$75	Local agent relationships
State Farm	9.3	$120	$77	Young drivers

Disclaimer: Table data sourced from real-time Summerville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Summerville may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for the military community: USAA

military community

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User Reviews	4.9 1,496 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$78/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$122/mo

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Driver Reviews

4.9

Best choice in Summerville, SCBased on 3,204 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Members of the military community

Outstanding customer service

Competitive rates

Showing 17 South Carolina reviews for Summerville drivers - See all 1,496 USAA reviews

Napoleon

Verified Review

USAA Praise Review

Reviewed in South Carolina on February 28, 2026

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

Paul

Verified Review

Great claims handling

Reviewed in South Carolina on February 20, 2026

Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.

James

Verified Review

USAA OK!

Reviewed in South Carolina on January 14, 2026

USAA treats members fairly and respectfully.

Lewis

Verified Review

Watch your rates, they will double them for no reason.

Reviewed in South Carolina on January 13, 2026

Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.

Kelly

Verified Review

USAA has dropped off

Reviewed in South Carolina on January 13, 2026

USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.

Chris

Verified Review

USS-No way

Reviewed in South Carolina on December 14, 2025

Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.

Fred

Verified Review

USAA lied about coverage

Reviewed in South Carolina on November 1, 2025

I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!

Edward

Verified Review

USAA

Reviewed in South Carolina on October 27, 2025

It's too high.

Sandra

Verified Review

Not happy with Policy costs, Auto, Renters, Umbrella

Reviewed in South Carolina on October 25, 2025

I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA is Insurify’s top pick for Summerville, South Carolina, car insurance. It prioritizes customer service and combines quality coverage with policyholder benefits.

USAA tailors coverage to challenges veterans face, such as deployment and frequent relocations. This makes it an excellent insurer for Summerville veterans, who represent more than 11% of the area’s population.

Pros

• Reputation for quality customer service

• Personalized insurance coverage options

Cons

• Membership limited to military members and their families

• No physical locations in South Carolina

Best insurer for local agent relationships: Auto-Owners

local agents

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User Reviews	4.3 146 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$131/mo

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Driver Reviews

4.3

Best choice in Summerville, SCBased on 317 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Cheap rates

Senior drivers

Ample discounts

Showing 4 South Carolina reviews for Summerville drivers - See all 146 Auto-Owners reviews

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Mike

Verified Review

Solid car insurance company

Reviewed in South Carolina on December 22, 2025

They're very easy to talk to and will walk you through anything you need.

Michael

Verified Review

Best Kept Secret!

Reviewed in South Carolina on September 22, 2025

Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.

Wilmer

Verified Review

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Reviewed in South Carolina on April 12, 2025

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners has a strong local business presence, with six independent agents in Summerville found on both sides of U.S. Route 17 Alternate. In a city known for its unique driving risks and community focus, this insurer is a preferred choice for reliable coverage. You’ll also find accident forgiveness and roadside assistance coverage in all 50 states.

Pros

• Competitive rates for liability and full coverage

• Wide range of discounts

Cons

• Online quotes not available

• Below-average J.D. Power customer satisfaction rating in the Southeast region

Best insurer for families with young drivers: State Farm

families with young drivers

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User Reviews	4.0 7,236 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$87/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$134/mo

Show Details

Driver Reviews

4.0

Best choice in Summerville, SCBased on 16,138 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Summerville for

Customer service

Competitive rates

Discounts for safe drivers

Showing 44 South Carolina reviews for Summerville drivers - See all 7,236 State Farm reviews

Freddie

Verified Review

I think I can beat their price.

Reviewed in South Carolina on March 16, 2026

Customer service is excellent. I think their price is high.

Gary

Verified Review

They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.

Reviewed in South Carolina on March 5, 2026

They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.

Robert

Verified Review

Average

Reviewed in South Carolina on February 28, 2026

They consistently increase rates.

Sheila

Verified Review

State Farm Insurance Not Worth the Cost

Reviewed in South Carolina on February 26, 2026

Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.

Barbara

Verified Review

Totally Disappointed

Reviewed in South Carolina on February 21, 2026

Just be aware that if you have claims beyond your control, they will non-renew your policy.

Shirley

Verified Review

I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.

Reviewed in South Carolina on February 16, 2026

I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.

Rocky

Verified Review

No Notice

Reviewed in South Carolina on February 12, 2026

After 40 years without a glitch, no contact was made to us when we were late on one item out of three in our bundle. This happened a few months after State Farm made their first claim payout in decades. The amount was well under the repair cost. For being late, our coverage was increased by $132 every 6 months. Now they told us they never call anymore if a payment is late. Not the insurance company to retire with.

Barbara

Verified Review

Totally disappointed in State Farm

Reviewed in South Carolina on February 11, 2026

State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.

Michael

Verified Review

Switch to Geico and Save

Reviewed in South Carolina on February 9, 2026

I canceled my policy and switched to Geico, getting a rate that was one-third of the cost compared to State Farm's higher prices.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm has valuable savings opportunities for South Carolina’s more than 220,000 drivers younger than 20. Teens can save 25% for earning good marks in school, with additional discounts for completing driver training courses or attending college away from home.

State Farm has fewer Summerville agents than Auto-Owners, but it offers a wide range of coverage options.

Pros

• Above-average J.D. Power customer satisfaction rating in the Southeast region

• Rideshare insurance available

Cons

• Policies only available through an agent

• Accident forgiveness and gap insurance not available

How to get the cheapest car insurance in Summerville

Factors like your driving history and vehicle type affect your car insurance rates. But your ZIP code and local trends, including traffic patterns and crime rates, can also influence premiums significantly.

To reduce the amount you pay, try these strategies:^[2]

• Bundle policies. Combine auto insurance with other policies, like home insurance or renters insurance, to potentially lower your overall costs.

• Consider higher deductibles. Increase your deductible to lower your premiums. Just make sure you’re comfortable paying your deductible amount out of pocket if you need to file a claim.

• Review coverage needs annually. Review and adjust your insurance policy regularly to fit your current situation.

• Shop around. Compare quotes from at least three auto insurance companies to find the best rate for your situation.

• Drive safely. Maintain a clean driving record to qualify for discounts.

Find Cheap Car Insurance in Summerville, SC

Liability-only rates start at $78 per month

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4.7 out of 5 based on 12,727 reviews

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Cheapest liability-only car insurance in Summerville: USAA

Liability-only car insurance is the most basic form of auto coverage. It includes protection for damages and injuries you cause to others in an accident. But it doesn’t pay for your injuries or damages to your vehicle.

In Summerville, liability-only car insurance averages $187 per month. It’s an affordable choice for customers seeking essential coverage without the added cost of comprehensive or collision insurance.

The table below provides a snapshot of average liability-only insurance rates, giving insight into what Summerville drivers might expect to pay.

The below rates in Summerville, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$78
Auto-Owners	$84
State Farm	$87
GEICO	$125
Nationwide	$127
Allstate	$135
Progressive	$142
Travelers	$145
Safeco	$155
National General	$174
State Auto	$176
Root	$177
Dairyland	$191
Direct Auto	$195
GAINSCO	$213
The General	$213
AssuranceAmerica	$227
Liberty Mutual	$233
Bristol West	$275

Disclaimer: Table data sourced from real-time Summerville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Summerville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Summerville: USAA

Full-coverage car insurance offers more than basic liability insurance protection. While it includes liability coverage, you also get comprehensive and collision insurance. This broader protection pays for damages to your car, making it a good idea if you have a newer vehicle. If you lease or finance your car, your leasing company or lender will require you to have full coverage.

Summerville drivers pay $252 per month for a full-coverage policy, on average.

The table below shows different rates for full-coverage car insurance in Summerville.

The below rates in Summerville, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$122
Auto-Owners	$131
State Farm	$134
GEICO	$177
Nationwide	$197
Safeco	$199
Allstate	$209
Progressive	$213
Travelers	$225
Direct Auto	$258
Root	$258
National General	$259
State Auto	$272
AssuranceAmerica	$326
Liberty Mutual	$332
The General	$387
GAINSCO	$396
Dairyland	$415
Bristol West	$461

Disclaimer: Table data sourced from real-time Summerville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Summerville may vary based on the policy buyer's unique driver profile.

Car insurance requirements in South Carolina

South Carolina follows a fault-based system. As an at-fault state, the driver responsible for causing the accident is on the hook for medical expenses, lost wages, vehicle damage, and other losses.

In addition to liability coverage, the state also requires drivers to carry uninsured motorist insurance. South Carolina insurers are legally required to offer underinsured motorist coverage as well, but you don’t have to purchase it.^[3]

If you need to show proof of insurance, such as at a traffic stop or after an accident, digital proof is valid. Still, you may want to carry a physical copy of your auto insurance card in the event digital access isn’t available.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000
Uninsured motorist bodily injury liability	$25,000 per person / $50,000 per accident
Uninsured motorist property damage liability	$25,000

The South Carolina Department of Insurance recommends purchasing more than the minimum auto insurance. Here are some optional insurance coverages to consider:

• 

  Collision coverage

  Collision insurance pays to repair or replace your vehicle after an accident, regardless of who’s at fault.

• 

  Comprehensive coverage

  Comprehensive insurance covers non-collision damage to your car, such as theft, vandalism, or natural disasters.

• 

  Rental car reimbursement coverage

  Rental reimbursement coverage pays for rental car costs while your vehicle is in the shop due to a covered claim.

• 

  Gap coverage

  Gap insurance pays the difference between the value of a totaled car and the remaining balance on its loan or lease.

Cheapest car insurance for drivers with an incident

An “incident” in terms of car insurance means an at-fault accident, speeding ticket, DUI, or other traffic infraction on your driving record. Incidents indicate a higher risk of future claims, making them red flags for insurers. Your rates may go up to offset the increased risk, depending on the severity of the event.^[4]

The table below shows how different driving incidents can affect your insurance rates.

The below rates in Summerville, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
USAA	$78	$98	$103	$121
Auto-Owners	$84	$107	$109	$130
State Farm	$87	$108	$113	$135
GEICO	$125	$159	$159	$191
Nationwide	$127	$161	$168	$197
Allstate	$135	$172	$177	$209
Progressive	$142	$169	$180	$229
Travelers	$145	$184	$191	$225
Safeco	$155	$199	$213	$254
National General	$174	$211	$227	$269
State Auto	$176	$229	$236	$256
Root	$177	$230	$232	$275
Dairyland	$191	$233	$248	$296
Direct Auto	$195	$238	$261	$302
GAINSCO	$213	$247	$267	$330
The General	$213	$278	$288	$330
AssuranceAmerica	$227	$281	$296	$351
Liberty Mutual	$233	$289	$304	$361
Bristol West	$275	$337	$355	$426

Disclaimer: Table data sourced from real-time Summerville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Summerville may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your car insurance bill will fluctuate with age. Teen drivers have the least experience and pay the highest rates. Costs generally go down around age 35. But after age 70, premiums rise again for senior drivers to offset their increased traffic fatality rate.

Look at the chart below to see how average monthly car insurance quotes change from one age group to the next.

Age	Average Monthly Quote
Teens	$582
20s	$390
30s	$298
40s	$273
50s	$249
60s	$249
70s	$264

Disclaimer: Table data is based on real-time Summerville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Summerville car insurance quotes by credit tier

In South Carolina, insurers can consider credit history when setting your car insurance quote. It can’t be the only factor, but poor credit can potentially lead to more expensive premiums. On the other end of the spectrum, excellent or good credit scores could result in more favorable rates.

Summerville drivers with poor credit scores pay nearly 87% more, on average, for auto coverage than people with excellent credit.

Summerville car insurance FAQs