For a 40-year-old driver with a clean record, car insurance in Summerville, SC, averages about $210 a month ($2,523 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 11% over South Carolina’s average of $189 a month. Travelers and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $181 and $183 a month.
Summerville is the most expensive of the 11 South Carolina cities we cover in depth. Our benchmark driver pays about $21 a month more here than the state average, and about $2 more than in Charleston ($208).
Our data covers three Summerville ZIP codes, and they’re priced within about $2 a month of each other, so car insurance quotes in Summerville, SC, vary more by insurer than by address. For South Carolina car insurance quotes beyond Summerville, our state guide compares every insurer and city we price. These are personal auto prices; commercial insurance for a business vehicle is priced separately.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Summerville ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Summerville, SC, costs about $210 a month ($2,523 a year) for full coverage and $83 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. The South Carolina average is $189 a month, which makes this 11% higher.
Travelers and Progressive are effectively tied for the lowest full-coverage average among the five insurers in our Summerville rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, Progressive and GEICO are effectively tied for the lowest average among these five insurers, at about $67 and $68 a month.
Full-coverage averages by insurer in Summerville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $961 | $80 | $2,175 | $181 |
| Progressive | $808 | $67 | $2,197 | $183 |
| GEICO | $812 | $68 | $2,320 | $193 |
| State Farm | $1,217 | $101 | $2,668 | $222 |
| Allstate | $1,160 | $97 | $3,258 | $272 |
| American National* | $479 | $40 | $1,111 | $93 |
| USAA (military families)* | $513 | $43 | $1,597 | $133 |
| Auto-Owners* | $739 | $62 | $1,722 | $144 |
| South Carolina Farm Bureau* | $744 | $62 | $1,854 | $155 |
| Summerville average | $991 | $83 | $2,523 | $210 |
This table uses Summerville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the three Summerville ZIP codes we price, full coverage for our driver ranges from about $209 a month in 29485 to $211 in 29483 and 29486, a gap of $32 a year.
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Summerville’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 29483 | $993 | $83 | $2,535 | $211 | About average |
| 29485 | $996 | $83 | $2,503 | $209 | About average |
| 29486 | $985 | $82 | $2,532 | $211 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $220 a year on average in our Summerville data, with the same $500 deductibles. That’s about $18 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Summerville ZIP codes, full coverage averaged $2,625 a year nine months earlier and $2,523 in rates as of Aug. 31, 2026, a 3.9% drop. State Farm cut its Summerville average 16.0%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.6%, led by State Farm, which cut its liability-only average 9.5%.
Dorchester County averages $2,539 a year for full coverage, the second-most expensive of the 44 South Carolina counties we price, and the Charleston area as a whole is the priciest part of the state in our data. Nearby Ladson and Ridgeville both average about $214 a month, and Goose Creek $208. Insurers group South Carolina ZIP codes into rating territories approved by the state Department of Insurance, which is why neighboring towns can be priced differently.
Statewide, Travelers, Progressive and GEICO are effectively tied for the lowest full-coverage average among these five insurers, so compare them first when you shop for cheap full coverage car insurance in South Carolina. In Summerville, Travelers and Progressive lead, at about $181 and $183 a month, and GEICO is next, at $193.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Charleston, about 22 miles southeast, averages $208 a month, and Mount Pleasant, about 24 miles southeast, $189. Sumter, about 63 miles north, averages $198. To see how South Carolina car insurance companies compare statewide, including each insurer’s change over the past nine months, see our state guide.
Drivers in Summerville follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Summerville, SC, costs about $210 a month ($2,523 a year) for full coverage and $83 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 11% above the South Carolina average of $189 a month.
Travelers and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared in Summerville, at about $181 and $183 a month. GEICO’s average is next, at $193. American National*, which we price from published rate studies, comes in lower, at about $93 a month. For liability-only coverage, Progressive and GEICO are effectively tied for the lowest average among the five major insurers we compared. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Summerville full coverage averages about $210 a month, 11% above the South Carolina average and the highest of the 11 cities we cover in depth. Dorchester County is the second-most expensive of the 44 counties we price.
In our data, 29485 has the lowest full-coverage average in Summerville, at about $209 a month, and 29483 and 29486 the highest, at about $211. The ZIP code table on this page lists all three.
In our Summerville data, full coverage (100/300/100 with $500 deductibles) averages about $210 a month and liability-only coverage at 25/50/25 limits about $83, a difference of about $127 a month ($1,532 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Summerville must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Summerville full coverage fell 3.9% over the past nine months, from about $2,625 to $2,523 a year. State Farm cut its Summerville average 16.0%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.6%.
For our benchmark driver, full coverage in Summerville averages about $210 a month. Nearby, Charleston averages about $208, Mount Pleasant about $189 and Sumter about $198. Charleston, Mount Pleasant and Sumter are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
