Cheapest Auto Insurance in Summerville, South Carolina (2024)

USAA is the cheapest car insurance company in Summerville, with monthly liability-only rates as low as $61.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated June 13, 2024

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Cheapest recent rates near Summerville, South Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Summerville and other South Carolina cities.

*Quotes generated for Insurify users in and around Summerville, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Summerville, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Summerville averages $270 monthly. This is higher than the state average of $221 and the national average of $160.

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.

Quick Facts
  • Summerville drivers pay an average of $210 per month for liability coverage and $329 per month for full coverage.

  • USAA, Auto-Owners, and State Farm offer the cheapest car insurance in Summerville.

  • South Carolina requires drivers to carry liability and uninsured motorist coverage.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
USAA4.7$85$50Military community
Auto-Owners4.3$92$54Local agent relationships
State Farm4.6$94$56Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$61/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.
$104/mo

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

Read our USAA review
Dorothy - June 13, 2024
Verified

Price

It's a good company, but the price increases every year.

Steven - June 13, 2024
Verified

Hopeless

I am a disabled veteran. I lost my phone and got a new number. I needed to adjust my policy and had forgotten my old phone number and password codes. They would not allow access to my account to make changes. It became a nightmare. Otherwise, they are a good company.

Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Best insurer for local agent relationships: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$66/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.
$112/mo

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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for families with young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$68/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.
$114/mo

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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

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 $61 per month

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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 $210 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$61
Auto-Owners$66
State Farm$68
GEICO$74
Safeco$98
Nationwide$101
Allstate$106
Travelers$114
Midvale Home & Auto$131
Progressive$135
State Auto$139
Direct Auto$162
Liberty Mutual$182
Dairyland$190
The General$217
National General$223
AssuranceAmerica$258
Bristol West$259
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $329 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$104
Auto-Owners$112
State Farm$114
GEICO$123
Safeco$163
Nationwide$169
Allstate$179
Travelers$193
State Auto$203
Progressive$216
Midvale Home & Auto$227
Direct Auto$270
AssuranceAmerica$303
Liberty Mutual$326
National General$328
The General$387
Dairyland$419
Bristol West$448
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Summerville, South Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Summerville and other South Carolina cities.

*Quotes generated for Insurify users in and around Summerville, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Summerville, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes 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.

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$61$81$84$104
Auto-Owners$66$88$91$113
State Farm$68$90$94$116
GEICO$74$99$103$126
Safeco$98$133$132$167
Nationwide$101$136$141$173
Allstate$106$141$147$181
Travelers$114$153$159$195
Midvale Home & Auto$131$180$192$224
Progressive$135$180$190$231
State Auto$139$201$211$238
Direct Auto$162$217$229$277
Liberty Mutual$182$267$275$311
Dairyland$190$255$263$325
The General$217$293$306$371
National General$223$291$308$381
AssuranceAmerica$258$351$358$441
Bristol West$259$343$353$443
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$582
20s$390
30s$298
40s$273
50s$249
60s$249
70s$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.

Rates by Credit

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Summerville car insurance FAQs

Check out this additional information as you research your car insurance options in Summerville, South Carolina.

  • How much is car insurance in Summerville?

    Car insurance in Summerville costs $210 per month for liability coverage and $329 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Summerville?

    With liability-only rates of $61 per month, USAA has the cheapest car insurance in Summerville.

    You can also find cheap coverage with Auto-Owners and State Farm, which have monthly liability rates of $66 and $68, respectively. But the cheapest car insurance company for you will depend on multiple personal factors, including your age, ZIP code, chosen coverage levels, driving record, and more.

  • What are the best car insurance companies in Summerville?

    With an IQ Score of 4.6 out of 5, an AM Best financial strength rating of A++ (Superior), and above-average J.D. Power customer satisfaction ratings, State Farm is the best car insurance company in Summerville.

    Other top Summerville insurers include Auto-Owners and USAA.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. South Carolina Department of Public Safety. "Traffic Collision Fact Books."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. South Carolina Department of Insurance. "Automobile Insurance."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

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