Summerville Car Insurance

Your Complete Guide to Summerville, SC Car Insurance

Find the right car insurance policy for you.

Many Summerville residents drive into Charleston or North Charleston for work. Others stay local, only using their cars for runs to the grocery store and church. Regardless of how much or how little you drive, if you own a vehicle, you are required by law to have Summerville auto insurance that meets or exceeds the state-required coverage minimums. By comparing quotes from at least three different insurance companies, you can be certain that you are not overpaying for your policy.

Comparison-shopping is easy when you opt to work with an independent insurance agent in our network. These agents can quickly provide you with a selection of affordable Summerville car insurance quotes from a variety of highly rated insurers. They can also explain your coverage options and answer your insurance-related questions. Find an agent near you to learn more.

  • National average cost per year: $1,311
  • South Carolina average cost per year: $1,210
  • 31st most expensive auto premium in the U.S.

Car insurance rates in South Carolina are lower than the national average, and that is good news for Summerville residents. Of course, rates can and do vary significantly from one person to the next because they are based on several variables. When calculating your Summerville car insurance quotes, insurance companies will consider the following:

  • Your vehicle's make, model and year
  • Your age, sex, and marital status
  • Your driving history and claims history
  • Your location, or ZIP code
  • Your desired coverage amount
  • Your desired deductible

Insurance companies calculate rates in different ways, so comparison-shopping puts you at an advantage by allowing you to choose the policy that provides the best value for your money.

South Carolina Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

South Carolina requires drivers to carry auto insurance coverage that meets or exceeds the state-mandated minimums. This insurance prevents you from facing excessive financial losses if you are responsible for a collision while driving your car. Unfortunately, with the rapidly increasing cost of medical care, these minimums may not be high enough to fully cover you if you cause an accident that results in significant injuries or a fatality. For this reason, you may want to protect your assets by buying Summerville car insurance with higher liability limits. An agent can help you determine how much coverage is right for you.

Number of Uninsured Motorists in South Carolina

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured South Carolina drivers: 7.70%

Driving without insurance in South Carolina is a serious offense. If you are caught driving an uninsured vehicle you do not own, you could lose your driver’s license for 30 days and be required to pay a $100.00 reinstatement fee. If you are caught driving an uninsured vehicle you do own, you will lose your driver’s license and registration privileges until you have paid a $550.00 reinstatement fee.

Despite this, approximately 8 percent of the drivers you encounter on South Carolina roadways do not have insurance. If one of these drivers or a hit-and-run driver is responsible for an accident that causes you property damage or injuries, you may find it difficult or impossible to collect compensation unless you have uninsured motorist coverage. In this case, your insurance company will provide you with compensation and go after the offending driver themselves.

Number of Auto Thefts in South Carolina

  • National number of thefts per 1,000 vehicles: 2.94
  • South Carolina number of thefts per 1,000 vehicles: 3.49

The rate of car theft in the state of South Carolina exceeds the national average but is closer to the U.S. average in Summerville. In recent years, there were 117 auto thefts in this town. That equates to 3.06 car thefts per 1,000 vehicles.

You can safeguard your property by taking preventive measures such as parking in well-lit, attended lots when possible; always locking your car when leaving it unattended; and not leaving valuable items inside your car within plain view. If your car is stolen or damaged by vandals, you can collect compensation only if your Summerville auto insurance policy includes other-than-collision, or comprehensive, insurance as one of its policy options. If you are still paying for your vehicle, your lender likely requires you to carry this coverage.

Find a Summerville Car Insurance Policy

If you are looking for an affordable Summerville auto insurance policy that will deliver the right amount of coverage for you and your family, it is to your benefit to work with an independent agent in our network. These agents work with several insurance companies, so they can make comparison-shopping easy by collecting policy information and costs for you.

There are several local agents with offices throughout the state of South Carolina, and many are located in and around Summerville. Find an agent near you to learn more about your coverage options, and to compare Summerville car insurance quotes for policies that have been customized to meet your specific coverage needs. 

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