Insurance Costs in Summerville, SC
Auto insurance in Summerville averages $1,555 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Summerville, SC: What You Need to Know
Summerville residents pay an average of $1,555 per year for full coverage auto insurance, which is 5.0% below the South Carolina state average and 7.1% below the national average.
With a population of 53,643, Summerville is a growing city in South Carolina. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,555 | $130 |
| Standard Coverage (50/100/50) | $1,275 | $106 |
| State Minimum (25/50/25) | $653 | $54 |
Homeowners Insurance in Summerville, SC
The average cost of homeowners insurance in Summerville is $2,024 per year ($169/month), which is 11.2% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations. Coastal or storm-prone areas may see even higher rates due to hurricane and flood risk.
Renters Insurance in Summerville, SC
Renters insurance in Summerville averages $204 per year ($17/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other South Carolina Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Charleston | $1,768/yr | $2,352/yr |
| Columbia | $1,801/yr | $1,967/yr |
| North Charleston | $1,833/yr | $2,159/yr |
| Mount Pleasant | $1,506/yr | $2,468/yr |
| Rock Hill | $1,670/yr | $1,774/yr |
| Greenville | $1,719/yr | $1,832/yr |
| Goose Creek | $1,604/yr | $1,967/yr |
| Hilton Head Island | $1,391/yr | $2,603/yr |
How to Save on Insurance in Summerville
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Summerville can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Summerville, SC?
The average cost of car insurance in Summerville, SC is $1,555 per year for full coverage, or about $130 per month. Minimum coverage costs around $653 per year.
Is car insurance expensive in Summerville?
Car insurance in Summerville is relatively affordable compared to many U.S. cities.
How much is home insurance in Summerville?
Homeowners insurance in Summerville costs an average of $2,024 per year. Your actual cost depends on your home's value, age, construction type, and specific location.