Best Car Insurance Rates in Summerville, SC – 2025 Rankings

Does your vehicle have the cheapest car insurance in Summerville, SC? We rank the top 50 cars having the cheapest cost to insure.

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  • Small SUV models like the Nissan Kicks, Buick Envision, and Chevrolet Trailblazer have the best chance of receiving cheap car insurance in Summerville.
  • A few models with segment-leading auto insurance rates include the Toyota GR Corolla ($170 per month), Jaguar E-Pace ($182 per month), Chevrolet Colorado ($172 per month), and Infiniti QX80 ($219 per month).
  • Car insurance quotes in Summerville have significant variability from as little as $36 per month for just liability insurance to over $704 per month for drivers requiring a high-risk policy.

Cheapest cars to insure in Summerville, SC

The vehicles with the lowest cost average car insurance rates in Summerville, SC, tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, and Hyundai Venue. Average car insurance quotes for models in the top ten cost $1,916 or less per year for a full coverage policy.

Some additional models that rank in the top 20 in our cost comparison are the Acura RDX, Subaru Outback, Volkswagen Taos, and Honda HR-V.

The average cost is slightly more for those models than the crossovers and compact SUVs at the top of the rankings, but they still have average rates of $170 or less per month in Summerville.

The table below details the cheapest vehicles to insure in Summerville, ordered starting with the cheapest.

Top 50 Cheapest Car Insurance Rates in Summerville, SC
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,728$144
2Chevrolet Trailblazer$1,758$147
3Kia Soul$1,826$152
4Nissan Kicks$1,842$154
5Honda Passport$1,866$156
6Buick Envision$1,876$156
7Toyota Corolla Cross$1,886$157
8Hyundai Venue$1,902$159
9Mazda CX-5$1,910$159
10Ford Bronco Sport$1,916$160
11Volkswagen Tiguan$1,936$161
12Acura RDX$1,956$163
13Nissan Murano$1,966$164
14Buick Encore$1,988$166
15Subaru Outback$1,994$166
16Honda CR-V$1,996$166
17Buick Envista$2,002$167
18Volkswagen Taos$2,008$167
19Kia Niro$2,014$168
20Toyota GR Corolla$2,034$170
21Honda HR-V$2,038$170
22Subaru Ascent$2,038$170
23Nissan Leaf$2,052$171
24Chevrolet Colorado$2,060$172
25Lexus NX 250$2,072$173
26Honda Civic$2,074$173
27Volkswagen Atlas$2,074$173
28Acura Integra$2,082$174
29Subaru Forester$2,082$174
30Volkswagen Atlas Cross Sport$2,086$174
31Kia Seltos$2,092$174
32GMC Terrain$2,094$175
33Nissan Rogue$2,106$176
34Hyundai Kona$2,108$176
35Cadillac XT4$2,114$176
36Mazda CX-30$2,114$176
37Volkswagen ID4$2,122$177
38Ford Explorer$2,124$177
39Toyota Highlander$2,130$178
40Toyota Venza$2,136$178
41Ford Escape$2,138$178
42Honda Odyssey$2,138$178
43Nissan Sentra$2,146$179
44Subaru Impreza$2,154$180
45Chevrolet Equinox$2,158$180
46Toyota RAV4$2,160$180
47Mazda MX-5 Miata$2,166$181
48Mazda MX-30$2,172$181
49Hyundai Tucson$2,176$181
50Chevrolet Traverse$2,186$182

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Summerville, SC Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Summerville, SC with the Subaru Crosstrek ranking first at $1,728 per year
Top 50 cheapest vehicles to insure in Summerville, SC with the Subaru Crosstrek ranking first at $1,728 per year

Other models that rank in the top 50 above include the Hyundai Kona, Nissan Sentra, Subaru Forester, and Honda Civic. Insurance rates for those models cost between $2,038 and $2,188 per year.

As a comparison to the cheapest car insurance rates, some models that have much higher car insurance rates include the Tesla Model 3 which averages $2,750 per year, the Dodge Challenger that costs $3,526, and the Lexus LC 500h which costs $3,508.

How much does car insurance cost in Summerville?

The average cost to insure a vehicle in Summerville, South Carolina, is $2,340 per year, which is about $195 per month. Summerville car insurance costs 5.2% more than the overall U.S. national average rate of $2,221.

Average car insurance cost in South Carolina is $2,192 per year, so drivers in Summerville pay an average of $148 more per year than the average rate across the entire state.

When rates are compared to other cities in South Carolina, the average cost to insure a vehicle in Summerville is around $60 per year more expensive than in Rock Hill, $182 per year more than in Greenville, and $14 per year less than in North Charleston.

The next chart shows average Summerville, SC, auto insurance cost for all 2024 models. Rates are averaged for all Summerville Zip Codes and shown by driver age and physical damage coverage deductibles.

Average full-coverage car insurance premium in Summerville, SC for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Summerville, SC for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Summerville, SC Zip Codes.

Average Car Insurance Cost in Summerville, SC
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,986$332
$500$4,710$393
$250$5,478$457
30$1,000$2,092$174
$500$2,496$208
$250$2,916$243
40$1,000$1,968$164
$500$2,340$195
$250$2,726$227
50$1,000$1,752$146
$500$2,074$173
$250$2,408$201
60$1,000$1,642$137
$500$1,942$162
$250$2,256$188

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Summerville, SC Zip Codes. Updated June 27, 2025

Average rates in the prior chart range from $1,642 per year for a 60-year-old driver with $1,000 deductibles for comprehensive and collision coverage to $5,478 per year for a 20-year-old driver with $250 deductibles. The rate we use for comparison purposes is a 40-year-old driver with $500 policy deductibles, which is an average cost of $2,340 per year.

As a monthly amount, average car insurance cost in Summerville ranges from $137 to $457 for the same driver ages and deductibles shown in the previous chart.

Driver age is one of the biggest determining factors on the price you pay for car insurance. The list below details how age impacts cost by showing average car insurance rates for driver ages 16 through 60.

Summerville, South Carolina, car insurance cost for drivers age 16 to 60

  • 16-year-old driver – $8,335 per year or $695 per month
  • 17-year-old driver – $8,076 per year or $673 per month
  • 18-year-old driver – $7,238 per year or $603 per month
  • 19-year-old driver – $6,589 per year or $549 per month
  • 20-year-old driver – $4,710 per year or $393 per month
  • 30-year-old driver – $2,496 per year or $208 per month
  • 40-year-old driver – $2,340 per year or $195 per month
  • 50-year-old driver – $2,074 per year or $173 per month
  • 60-year-old driver – $1,942 per year or $162 per month

The previous rates shown for drivers age 16 to 19 were based on the rated driver being male. The chart below shows the average cost for car insurance for teen drivers in Summerville by gender. Female drivers are usually cheaper to insure than male drivers, notably in the teenage years.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Summerville includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Summerville, SC for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,335$7,787
17-Year-Old$8,076$7,740
18-Year-Old$7,238$6,680
19-Year-Old$6,589$5,574

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

Auto insurance for a 16-year-old female driver in Summerville costs an average of $548 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is much less but is still $1,015 per year cheaper for females.

To stress the importance of how much auto insurance premiums can change from one person to the next, the sections below contain comprehensive car insurance rates for four popular vehicles in Summerville: the Ram Truck, Nissan Sentra, Honda CR-V, and Toyota Camry.

Each vehicle example uses different risk profiles to illustrate the potential rate difference based on driver and coverage changes.

Ram Truck insurance rates

With MSRP ranging from $43,270 to $109,435, average Summerville car insurance quotes on a Ram Truck cost from $2,394 per year on the Ram Truck Tradesman Crew Cab 4WD model up to $2,964 per year for the Ram Truck TRX Final Edition 4WD.

When Summerville insurance rates for a Ram Truck are compared with the overall national average cost for the same model, rates are anywhere from $2 to $2 cheaper per year in Summerville, depending on which trim level is insured.

From a cost per month standpoint, car insurance quotes for a Ram Truck can range from $200 to $247 per month, depending on various factors including your address in Summerville.

The chart displayed below can help explain how the cost of car insurance on a Ram Truck can range significantly for a variety of driver ages and policy risk profiles.

Average 2024 Ram Truck insurance premiums in Summerville for different driver ages and risk scenarios.
Figure 3: Average 2024 Ram Truck insurance premiums in Summerville for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Summerville includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Summerville, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,236$520
Safe Driver Age 20$5,456$455
At-fault Accidents Age 40$3,836$320
Low Deductibles Age 40$3,538$295
Safe Driver Age 30$2,886$241
Safe Driver Age 40$2,706$226
Safe Driver Age 50$2,398$200
High Deductibles Age 40$2,278$190
Discount Rate Age 40$2,248$187
Safe Driver Age 60$2,244$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 26, 2025

The Ram Truck is considered a full-size truck, and other top-selling models from the same segment include the GMC Sierra, Toyota Tundra, and Ford F150.

Nissan Sentra insurance rates

Average Nissan Sentra insurance cost in Summerville ranges from $2,098 up to $2,204 per year. The least-expensive model to insure is the $20,630 Nissan Sentra S model, while the most expensive is the $23,720 Nissan Sentra SR trim.

The bar chart below might help you understand how auto insurance quotes for a Nissan Sentra can be very different based on driver age, policy deductibles, and risk profiles.

For our example risk profiles, the cost ranges from $1,780 to $4,874 per year, which is a cost difference of $3,094.

Average 2024 Nissan Sentra insurance premiums in Summerville for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Sentra insurance premiums in Summerville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Summerville includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Summerville, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,874$406
Safe Driver Age 20$4,240$353
At-fault Accidents Age 40$3,036$253
Low Deductibles Age 40$2,712$226
Safe Driver Age 30$2,276$190
Safe Driver Age 40$2,146$179
Safe Driver Age 50$1,918$160
High Deductibles Age 40$1,848$154
Safe Driver Age 60$1,788$149
Discount Rate Age 40$1,780$148

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 27, 2025

The Nissan Sentra belongs to the compact car segment, and other models in the same segment include the Toyota Corolla, Hyundai Elantra, and Chevrolet Cruze.

Honda CR-V insurance rates

Honda CR-V insurance in Summerville costs an average of $1,996 per year, ranging from $1,892 per year for the Honda CR-V LX model (MSRP of $29,500) up to $2,106 per year on the Honda CR-V Sport Touring Hybrid AWD trim level (MSRP of $39,850).

The chart below illustrates how the cost of car insurance for a Honda CR-V can be very different based on driver age, policy deductibles, and driver risk scenarios.

Average 2024 Honda CR-V insurance premiums in Summerville for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda CR-V insurance premiums in Summerville for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Summerville includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Summerville, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,586$382
Safe Driver Age 20$4,010$334
At-fault Accidents Age 40$2,824$235
Low Deductibles Age 40$2,602$217
Safe Driver Age 30$2,126$177
Safe Driver Age 40$1,996$166
Safe Driver Age 50$1,772$148
High Deductibles Age 40$1,684$140
Safe Driver Age 60$1,658$138
Discount Rate Age 40$1,658$138

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 26, 2025

The Honda CR-V is considered a compact SUV, and additional models from the same segment that are popular in Summerville include the Chevrolet Equinox, Subaru Forester, Mazda CX-5, and Toyota RAV4.

Toyota Camry insurance rates

In Summerville, the lowest-cost insurance rates on a 2024 Toyota Camry are on the LE trim model, costing an average of $2,314 per year, or about $193 per month. This model has a sticker price of $26,420.

The most expensive 2022 Toyota Camry trim level to insure in Summerville is the XSE AWD model, costing an average of $2,644 per year, or about $220 per month. The retail cost for this trim level is $33,120, before destination and documentation fees.

When Summerville insurance rates on the Toyota Camry are compared with the cost averaged for the entire U.S. on the same model, the cost is anywhere from $2 to $2 less per year in Summerville, depending on the specific model being insured.

From a cost per month standpoint, auto insurance on a Toyota Camry for a safe driver can cost from $193 to $220 per month, but your exact rate can vary based on your address in Summerville.

The chart below illustrates how auto insurance quotes on a Toyota Camry can change based on different driver ages, risk profiles, and policy deductibles.

For our selected driver profiles, prices range from $2,090 to $5,782 per year, which is a price difference of $3,692.

Average 2024 Toyota Camry insurance premiums in Summerville for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Summerville for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Summerville includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Summerville, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,782$482
Safe Driver Age 20$5,066$422
At-fault Accidents Age 40$3,546$296
Low Deductibles Age 40$3,342$279
Safe Driver Age 30$2,690$224
Safe Driver Age 40$2,516$210
Safe Driver Age 50$2,222$185
High Deductibles Age 40$2,092$174
Discount Rate Age 40$2,090$174
Safe Driver Age 60$2,080$173

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025

The Toyota Camry belongs to the midsize car segment, and other similar models include the Kia K5, Honda Accord, and Chevrolet Malibu.

Tips for finding cheaper Summerville auto insurance quotes

Summerville drivers should always be looking to pay less for insurance. So take a minute and read through the money-saving ideas in the list below and maybe you’ll find a way to save some money.

  • Your occupation could lower your rates. The vast majority of car insurance companies offer discounts for specific professions like college professors, accountants, firefighters, nurses, high school and elementary teachers, and others. By qualifying for this discount, you may save between $70 and $228 on your annual insurance bill, subject to the policy coverages selected.
  • Choose vehicles that have cheaper insurance. The type of vehicle you drive has a huge impact on the cost of car insurance in Summerville. For example, a Volkswagen Atlas costs $1,170 less per year to insure in Summerville than a Chevrolet Corvette. Drive cheaper models and save money.
  • Avoid accidents and save. Multiple at-fault accidents raise rates, possibly as much as $3,340 per year for a 20-year-old driver and even as much as $574 per year for a 60-year-old driver. So be safe and save.
  • Obey the law to get lower insurance rates. To get cheap car insurance in Summerville, it’s necessary to to be a conservative driver. In fact, just a couple traffic citations can potentially raise insurance rates as much as $626 per year. Serious misdemeanors like driving on a suspended license could raise rates by an additional $2,174 or more.
  • Don’t file small claims. Insurance companies give a discounted rate if you have no claims on your account. Car insurance is intended to be used in the case of significant claims, not minor claims.
  • Make your policy cheaper by raising deductibles. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.