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More than 93 percent of Summerville households own cars. Fireflies aren't the only ones flashing lights and buzzing up and down the road. To have the proper peace of mind, South Carolinians should pick the right auto insurance policy.
The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Summerville, SC to find you the cheapest quotes in the area.
Here are the cheapest carriers in Summerville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Direct Auto | $83/mo |
 State Farm | $116/mo |
 Progressive | $144/mo |
 Nationwide | $149/mo |
 The General | $192/mo |
| Best Companies | ||
|---|---|---|
 American Family | $320/mo | |
 Liberty Mutual | $278/mo | |
 Travelers | $201/mo |
South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Summerville | $151/mo |
| South Carolina | $140/mo |
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All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.
The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:
Young drivers don’t have age on their side when trying to keep car insurance rates low. Why? Statistics show that younger drivers make more claims due to their inexperience on the road. For this reason, insurance companies charge them more to recoup their losses and remain profitable. In Summerville, drivers in their 20s and younger pay as much as 73 percent more to remain on the road than motorists in their 30s.
| Driver's Age | |
|---|---|
| teens | $592 |
| 20s | $411 |
| 30s | $343 |
| 40s | $331 |
| 50s | $369 |
| 60s | $393 |
| 70s | $243 |
| 80s | $209 |
| Driving History | |
|---|---|
| No Violation | $331 |
| Speeding Ticket | $365 |
| At-Fault Accident | $393 |
| Failure to Stop for Red Light / Stop Sign | $252 |
If you have a history of accidents and violations on your record, you’re going to pay more for insurance than someone whose record is clean. Why? Violations like running a red light or speeding show the insurance carrier that you are high risk. The higher risk you are, the more you pay for insurance. Those with an accident on their record in Summerville pay on average $62 more a month for insurance than the clean-record crowd—that’s $744 more a year for the same coverage.
Car insurance companies care about your credit. Why? Because in addition to information like age and marital status, car insurance companies use credit-based insurance scores to understand an applicant’s risk of filing a future claim. People who manage their money well have higher credit scores. The higher your credit score, the lower your risk and lower your rates. Premiums for Summerville motorists with a good credit score average out to $359 per month.
| Credit Tie | |
|---|---|
| Excellent | $356 |
| Good | $360 |
| Average | $325 |
| Poor | $383 |
The closest DMV for Summerville is the Ladson office at 135 Wimberly Dr., Ladson, SC 29456. It's open Monday through Friday from 8:30 a.m. to 5 p.m., and the phone number is 1 (843) 572-7854. You must schedule most tests in advance. Scheduling an appointment might save you some time, no matter what your business is.
Most Summerville residents drive, and there are few options for public transportation. The Dorchester Connector Shuttle links Berkeley, Charleston, and Dorchester Counties. The four stops are at the Park-n-Ride, Walmart, Target Azalea, and Health South (CARTA bus stop). If you don't like the bus, you can opt for rideshare services such as Uber or Lyft. Traditional taxis like Summerville Cab Company and Chucktown Transit also offer rides.
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South Carolinians try to drive safely, but there's still the one out of 11 drivers who skips insurance. Protect yourself from the careless, and use Insurify to get a price that will make you shout like a Gamecock or Tiger touchdown.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Summerville drivers measure up to their fellow South Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Summerville drivers rank 18 in the number of car accidents per driver across all cities in South Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Summerville drivers rank 43 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Summerville drivers rank 47 in the number of DUI’s per driver across all cities in South Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Summerville drivers rank 28 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Summerville drivers rank 10 in clean driving records across all cities in South Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Summerville drivers rank 22 in failure to yield violations per driver across all cities in South Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Summerville drivers rank 19 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Summerville is the Ford F-Series Pickup.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
