Table of contents
How much is car insurance in Sumter?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $6 a month more expensive to insure your vehicle in Sumter than it is in the rest of South Carolina.
Likewise, residents of Sumter might expect to pay higher rates for coverage than the rest of the country. It's about $25 more expensive for coverage in Sumter than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Sumter, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Sumter to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may creep back up a bit in Sumter.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Sumter, the difference comes out to about $15 per month. Based on the chart above, you can see that female drivers pay around $100 on average, while male drivers typically pay $115 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Sumter with one accident will pay around $125 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $123.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$127|
|15 Years or Older||$102|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Sumter, with drivers paying around $87 per month for insurance.
SUV drivers will see rates of about $97 for car insurance, while car owners typically pay around $111 a month.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Sumter, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$112|
Overall, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
In Sumter, the difference in rates based on relationship status can be as much as $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$122|
Another factor taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Sumter. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Sumter, SC
Recent trends in car insurance for Sumter drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Sumter, car insurance rates dropped from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $131.
How does Sumter compare to neighboring areas?
Why are car insurance rates in Sumter different from other areas?
There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Regional regulations
- Amount of off-street parking
- Amount of drivers in the community
- Road Safety (how many accidents each locality has)
- Regional crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Sumter?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com has you covered. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Sumter in no time.
Sumter Insurance FAQs
What factors affect car insurance quotes in Sumter?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Sumter different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Sumter?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sumter?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Sumter or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.