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How much is car insurance in Sumter?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $9 a month more expensive to insure your vehicle in Sumter than it is in the rest of South Carolina.
Similarly, Sumter residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $32 more for your policy in Sumter.
These rates may be the average amount Sumter drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Sumter residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Sumter drivers may see their rates rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Sumter, where women pay around $21 less a month. Looking at the table above, you can see that female drivers pay around $105 on average, while male drivers typically pay $126 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 who avoid accidents and tickets will pay lower rates than those with infractions. In Sumter, having a single accident on your record will usually get you rates around $141 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $135 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$129|
|15 Years or Older||$106|
In Sumter, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $97 per month for auto insurance coverage.
SUV drivers will see rates of about $101, while the rates for car owners average out to about $120 per month.
You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Sumter are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$121|
On average, people who are married will pay slightly less to insure their car. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Sumter can be as much as $37 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Sumter, expect to pay around $10 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Sumter, SC
Recent trends in car insurance for Sumter drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Car insurance rates in Sumter had been increasing from 2017-2018, before leveling out in 2019. Rates began increasing again in 2020, and finished down in 2022, at $130 a month
How does Sumter compare to neighboring areas?
Why are car insurance rates in Sumter different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Many factors affecting your policy are based around where you call home. These factors include things like:
- Amount of drivers
- Amount of off-street parking
- Road safety
- Regional crime rates
- Community regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Sumter?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Sumter.
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Sumter Insurance FAQs
What factors affect car insurance quotes in Sumter?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Sumter different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Sumter?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Sumter?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Sumter or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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