Cheap Auto Insurance Quotes in Summerville, SC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Summerville has over 52,000 grits-loving residents, and driving is the primary mode of transportation. Even if you pass up the ground corn, you can't pass up having a wallet greener than a palmetto from all the insurance savings.

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.

Car Insurance in Summerville, SC

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.

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Cheapest Car Insurance in Summerville, SC

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.

Best Car Insurance in Summerville, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Summerville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Summerville, SC Driving Facts

Minimum Car Insurance Requirements in SC

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $25,000 per accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage
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Summerville, SC DMV Information

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.

Public Transportation in Summerville, SC

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.

Conclusion: How to get the best and cheapest car insurance in Summerville, SC

"Car insurance doesn't mean a thing if it ain’t got that South Carolina zing," just like the state's mustard-based BBQ. After a big bite of that delicious smoked meat, what else do you need but a cool beverage? Try Insurify for a rate sweeter than your tea, and compare dozens of insurance quotes in just a few seconds.

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Summerville stacks up for the state of South Carolina:


FAQs - Summerville, SC Car Insurance

Why is car insurance so expensive in Summerville?

Nine percent of South Carolina drivers have no insurance, and the cost of repairs continues to rise. Insurers set their prices to match the added risk.

How can I get the cheapest car insurance in Summerville?

For the lowest price, get state minimum coverage. It's the least amount of protection South Carolina allows. If you've financed your car, you may need comprehensive and collision coverage. In that case, to lower your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Summerville?

Auto insurance rates vary by city, company, and driver. If you're looking for prices tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve and a premium you can afford.