Cheap Quotes for Summerville, SC Car Insurance (2021)

Summerville, South Carolina car insurance rates average $358 a month and South Carolina law requires coverage of at least 25/50/25. By comparing rates from multiple Summerville, SC companies, you can find cheap Summerville car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Summerville is State Farm
  • Average car insurance rates in Summerville, SC are $358/month
  • Average car insurance rates in Summerville, SC after a DUI are $4,900/year

How do the Summerville, South Carolina monthly average car insurance rates of $358/month compare to nearby cities like Columbia car insurance rates, North Charleston car insurance rates, and Mount Pleasant car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Summerville, SC.

We’ll cover the South Carolina minimum coverage requirements, South Carolina car insurance laws, and Summerville, SC statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Summerville, South Carolina companies to find the most affordable Summerville car insurance rates.

Enter your ZIP code above to find cheap Summerville, SC car insurance quotes today.

What are the minimum Summerville, SC car insurance requirements?

To meet South Carolina minimum car insurance coverage requirements, Summerville, SC drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Summerville, South Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Summerville, SC car insurance rates?

Three of the criteria that most affect car insurance rates in Summerville, South Carolina are age, gender, and marital status. Let’s take a look at how each of these stack up with top Summerville car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Summerville, South Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,858 $2,858 $2,734 $2,734 $7,390 $9,423 $3,168 $3,447
Farmers $3,017 $3,035 $2,912 $3,130 $8,214 $8,953 $3,309 $3,324
GEICO $2,415 $2,415 $2,205 $2,205 $5,911 $6,044 $2,820 $2,895
Nationwide $2,939 $2,976 $2,639 $2,741 $7,261 $9,374 $3,338 $3,646
Progressive $3,441 $3,161 $2,957 $3,089 $14,256 $15,714 $3,942 $4,082
State Farm $2,083 $2,083 $1,894 $1,894 $6,094 $7,670 $2,342 $2,627
USAA $2,071 $2,080 $1,910 $1,916 $8,168 $8,931 $2,721 $2,870

How much do teen drivers pay for car insurance in Summerville, SC?

Summerville, South Carolina car insurance rates for teens are often higher than rates for other drivers. Compare Summerville car insurance rates from multiple Summerville, South Carolina car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Summerville, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,390 $9,423
Farmers $8,214 $8,953
GEICO $5,911 $6,044
Nationwide $7,261 $9,374
Progressive $14,256 $15,714
State Farm $6,094 $7,670
USAA $8,168 $8,931

How much do senior drivers pay for car insurance in Summerville, SC?

With a little research, seniors can find affordable car insurance in Summerville, South Carolina. Here’s a look at how the top Summerville car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Summerville, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,734 $2,734
Farmers $2,912 $3,130
GEICO $2,205 $2,205
Nationwide $2,639 $2,741
Progressive $2,957 $3,089
State Farm $1,894 $1,894
USAA $1,910 $1,916

How does coverage level affect Summerville, SC car insurance rates?

How much coverage do you need? Are you comfortable with the South Carolina minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Summerville, SC car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Summerville, South Carolina

Insurance Company Low Medium High
Allstate $4,067 $4,306 $4,606
Farmers $3,971 $4,483 $5,006
GEICO $3,117 $3,328 $3,647
Nationwide $4,287 $4,373 $4,434
Progressive $5,819 $6,240 $6,931
State Farm $3,075 $3,335 $3,598
USAA $3,587 $3,827 $4,086

How does your driving record affect Summerville, SC car insurance rates?

Safe driving pays off. The more traffic violations you have in Summerville, SC, the higher your car insurance rates will be. Compare rates based on driving infractions from top Summerville, South Carolina companies.

Annual Summerville, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,250 $5,176 $4,574 $4,306
Farmers $3,750 $5,176 $4,308 $4,712
GEICO $2,581 $3,319 $4,976 $2,581
Nationwide $3,465 $4,490 $5,684 $3,819
Progressive $5,181 $7,545 $6,328 $6,267
State Farm $3,022 $3,720 $3,301 $3,301
USAA $3,041 $3,756 $5,127 $3,409

How does a DUI affect Summerville, SC car insurance rates?

With even one DUI on your record, you can see an increase in your Summerville, SC car insurance rates.

Annual Car Insurance Rates After a DUI in Summerville, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,574
Farmers $4,308
GEICO $4,976
Nationwide $5,684
Progressive $6,328
State Farm $3,301
USAA $5,127

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How does your credit history affect Summerville, SC car insurance rates?

Take a look at the data here to see how your Summerville, South Carolina car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Summerville, South Carolina

Insurance Company Poor Fair Good
Allstate $5,436 $4,090 $3,453
Farmers $5,137 $4,342 $3,981
GEICO $5,131 $2,759 $2,202
Nationwide $5,198 $4,211 $3,684
Progressive $7,052 $6,179 $5,760
State Farm $4,792 $2,921 $2,294
USAA $5,949 $2,960 $2,591

How does your commute affect Summerville, SC car insurance rates?

Summerville, SC car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for South Carolina can be seen here. Remember, though, that you may have to carry substantially more car insurance in Summerville if you’re financing.

Annual Car Insurance Rates by Commute Length in Summerville, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,234 $4,419
Farmers $4,487 $4,487
GEICO $3,345 $3,383
Nationwide $4,364 $4,364
Progressive $6,330 $6,330
State Farm $3,251 $3,421
USAA $3,792 $3,875

Who has the cheapest Summerville, SC car insurance rates?

Here’s a breakdown of Summerville, South Carolina car insurance rates by company. You can see which company offers the cheapest Summerville car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Summerville, South Carolina

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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What are the top Summerville, SC car insurance companies?

Which Summerville, South Carolina car insurance company will best fit your needs and budget? Check out this comparison of the top Summerville companies to find the one for you.

Average Annual Car Insurance Rates by Company in Summerville, South Carolina

Insurance Company Average Annual Rates
Allstate $4,326
Farmers $4,487
GEICO $3,364
Nationwide $4,364
Progressive $6,330
State Farm $3,336
USAA $3,833

What factors affect Summerville, SC car insurance rates?

Why are Summerville, South Carolina car insurance rates different than rates in Columbia or North Charleston? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Summerville, SC?

More time spent behind the wheel can lead to higher Summerville, South Carolina car insurance rates. In Summerville, SC, the average commute length is 29.6 minutes.

Car Insurance Quotes for Summerville, SC

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