Cheap Auto Insurance Quotes in Summerville, SC (January 2022)

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Last Updated: January 2022

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.
$83
$116
$144
$149
$192
Direct AutoState FarmProgressiveNationwideThe General

Cheapest Car Insurance in Summerville, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Summerville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$140
$154
$132
$125
$139
$151
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantSummerville
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Summerville, SC Driving Facts

south-carolina

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

Summerville Car Insurance Rates by Driver Age

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.

Driving History
No Violation$331
Speeding Ticket$365
At-Fault Accident$393
Failure to Stop for Red Light / Stop Sign$252

Summerville Car Insurance Rates by Driving and Accident History

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.

Summerville Car Insurance Rates by Credit Tier

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.

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.

Find local Summerville agents

Lighthouse Insurance Benefits 
1055 N Main St Ste B, Summerville, SC 29483
TWIA Insurance Agency 
203 Limehouse Dr, Summerville, SC 29485
East Coast Insurance Group, LLC 
407 W 2nd North St., Summerville, SC 29483
McKenna Agency, Inc. 
810 N. Main St, Summerville, SC 29483
Corvino Ins Agency Inc 
810 Travelers Blvd Ste F1, Summerville, SC 29485-8259
Metts Insurance Agency, Inc 
705 Old Trolley Rd Ste C, Summerville, SC 29485-5212
Theodore & Associates Insurance 
204 N Gum St, Summerville, SC 29484
C2G Capital Management LLC 
101 Owens Circle, Summerville, SC 29483
Manning Insurance Services 
302-A Midland Parkway, Summerville, SC 29485
Taylor Agency 
100 S Main St Ste P, Summerville, SC 29483-6084

Insurify Insights: How Summerville Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Summerville, SC
suspended licenses
#54
Cities with Most
Suspended Licenses Rank

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.

Accidents in Summerville

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.

  • Rank within state: #18
  • Percent of drivers in Summerville with an accident: 14.84%
  • Drivers in Summerville, SC with an accident in their driving history paid on average 46.77% more than drivers with a clean record

Speeding in Summerville

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.

  • Rank within state: #43
  • Percent of drivers in Summerville with a speeding ticket: 12.88%
  • Drivers in Summerville, SC with a speeding ticket in their driving history paid on average 39.92% more than drivers with a clean record

DUI/DWIs in Summerville

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.

  • Rank within state: #47
  • Percent of drivers in Summerville with a DUI: 1.04%
  • Drivers in Summerville, SC with a DUI in their driving history paid on average 12.17% more than drivers with a clean record

Rude in Summerville

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.

  • Rank within state: #28
  • Percent of drivers in Summerville with a reckless driving violation: 1.26%
  • Drivers in Summerville, SC with a reckless driving violation in their driving history paid on average 68.44% more than drivers with a clean record.

Safest Drivers in Summerville

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.

  • Rank within state: #10
  • Percent of drivers in Summerville with clean record: 76.37%

Failure to Yield the Right of Way in Summerville

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.

  • Rank within state: #22
  • Percent of drivers in Summerville with a failure to yield violation: 0.3%
  • Drivers in Summerville, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Summerville

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.

  • Rank within state: #19
  • Percent of drivers in Summerville with a reckless driving offense: 0.17%

Most Popular Vehicle in Summerville

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.

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.


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.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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