For drivers in Sumter, one of the big components that are used to help calculate car insurance rates is where your car is garaged. Areas with more people or even just a higher incidence of claims are more likely to have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.

The information below lists the most expensive places in South Carolina to purchase a policy in. Sumter is listed at #5 with an annual cost of $1,252 for the average policy, which is about $104 monthly.

How much is car insurance in Sumter?
Rank City Annual Rate
1 North Charleston $1,301
2 Goose Creek $1,296
3 Summerville $1,278
4 Florence $1,259
5 Sumter $1,252
6 Charleston $1,235
7 Myrtle Beach $1,210
8 Saint Andrews $1,195
9 Columbia $1,189
10 Socastee $1,187
11 Mount Pleasant $1,177
12 Greenwood $1,132
13 North Augusta $1,128
14 Hilton Head Island $1,127
15 Spartanburg $1,127
16 Aiken $1,119
17 Greenville $1,111
18 Rock Hill $1,091
19 Wade Hampton $1,090
20 Taylors $1,085
21 Anderson $1,083
22 Mauldin $1,071
23 Greer $1,055
24 Easley $1,035
25 Simpsonville $1,019
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Rate quotes are comparative as specific Sumter zip code can lower or raise premium rates significantly.

Knowing where Sumter ranks based on price, finding decent, cost effective auto insurance is not the easiest thing to do, and determining which company has the cheapest car insurance rates in Sumter involves a bit more work. Every car insurance company uses a different method to set their prices, so let's take a look at the overall cheapest car insurance companies in Sumter.

Cheap Insurance Rates in Sumter

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Rankings for the cheapest car insurance companies in South Carolina
Rank Company Cost Per Year
1 The Hartford $768
2 USAA $1,025
3 State Auto $1,105
4 Auto-Owners $1,141
5 SC Farm Bureau Mutual $1,260
6 Southern Farm Bureau $1,260
7 National Grange Mutual $1,361
8 State Farm $1,380
9 Travelers $1,384
10 Progressive $1,611
11 Allstate $1,637
12 Encompass $1,691
13 Nationwide $1,778
14 Safe Auto $1,985
15 GEICO $2,001
16 Liberty Mutual $2,439
17 Bristol West $2,493
18 Safeco $2,744
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The Hartford normally has some of the lowest car insurance rates in Sumter at around $768 per year. This is $841 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also make the cut as some of the best Sumter, SC car insurance companies.

In the above rates, if you currently buy coverage from Auto-Owners and switched to USAA, you could realize annual savings of approximately $116. Customers with SC Farm Bureau Mutual could save as much as $235 a year, and Southern Farm Bureau insureds might reduce prices by as much as $235 a year.

Bear in mind that those premiums are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location in Sumter. So the insurer that can offer the best rates for your situation may not even be in the top 18 companies shown above. That points out the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.

Sumter car insurance rates

South Carolina car insurance rates are influenced by many factors which can significantly increase or decrease the policy premium. Turning one year older, buying a different home, or getting a ticket for careless driving may generate price changes that can cause some rates to be cheaper in comparison to the competition. And not only may your rating factors change, but auto insurance companies amend pricing as often as every quarter to adjust for heavy claims or excess profits. A period of higher than normal claims can result in increased rates, while less frequent claims may produce lower-cost Sumter car insurance rates.

To illustrate this example, the data below compares the cheapest car insurance in Sumter, SC for a 30-year-old male driver with no prior claims, no tickets, and a good credit history. Based on his personal profile, The Hartford may have the most affordable car insurance rates in Sumter at $915 annually. This is $694 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are the remaining cheapest Sumter, SC auto insurance companies.

Now let's give the driver from the first set of rates a claim, slightly worse credit, and a stop sign violation. Since each auto insurance company has a unique formula to set their prices, comparing insurance quotes most likely will result in a substantially altered list of affordable companies as shown below.

National Grange Mutual now has the cheapest insurance rate in Sumter with State Farm, Travelers, The Hartford, and USAA now rounding out the top five. This example illustrates why it is critical to compare rates to find the most economical insurance quotes in Sumter.

Insurance rates are determined by many different factors and change frequently, so the best company when you bought your policy may now be costing you a lot of money.

The type of vehicle you are buying coverage for is one of the biggest factors when shopping for cheaper coverage in Sumter. Vehicles with higher performance, poor passenger safety features, or a track record of large liability claims will cost significantly more to insure than more modest models.

The next list ranks insurance rates for a handful of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Sumter, SC
Vehicle Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $1,300
Ford Explorer XLT 2WD $1,329
Hyundai Elantra GLS Touring Station Wagon $1,342
Honda CR-V EX 2WD $1,349
Ford Edge SE AWD $1,379
Volkswagen Jetta SE 2.5 Station Wagon $1,393
Toyota RAV4 Sport 4WD $1,406
Chevrolet Malibu LS $1,412
Ford Escape Limited 4WD $1,413
Dodge Ram Quad Cab ST 2WD $1,430
Toyota Prius $1,442
Chevrolet Silverado LT Extended Cab 2WD $1,506
Toyota Corolla XRS $1,509
Chevrolet Equinox LTZ AWD $1,517
GMC Sierra 2500HD SLE Crew Cab 4WD $1,509
Ford Fusion SE 4-Dr Sedan $1,514
Toyota Tacoma Double Cab 4WD $1,538
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,548
Honda Odyssey EX $1,551
Nissan Altima 2.5 4-Dr Sedan $1,587
Dodge Grand Caravan Hero $1,593
Honda Civic VP 4-Dr Sedan $1,595
Toyota Camry Hybrid $1,610
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price information does not factor in specific Sumter, SC garaging location which can revise prices significantly.

By looking at the data, vehicles like the Honda Accord, Ford Explorer, Hyundai Elantra, and Honda CR-V are most likely to be a few of the most affordable vehicles to insure for drivers in Sumter.

How to get discounts on Sumter auto insurance

Car insurance companies that offer cheap quotes in Sumter may also give you rate discounts that can reduce rates by 25% or more if you meet specific eligibility requirements. Companies and some of the discounts are detailed below.

The chart below visualizes the comparison of auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no violations or claims, South Carolina state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, claim-free, passive restraint, accident-free, multiple vehicle, and marriage discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance in Sumter is 28% or $728.

The example below shows how choosing a deductible can influence annual premium costs when researching cheap insurance in Sumter. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied.

A 40-year-old driver could lower their policy premium by $318 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $482 by switching to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave as much as $1,080 annually by selecting a higher deductible. If you do decide to increase your deductibles, it will now be necessary to have additional savings on hand to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

How to find budget-friendly insurance in Sumter

Below you'll find some of the better money-saving solutions that can help South Carolina drivers find lower-cost coverage.

The final tip is extremely critical, as we pointed out in this write-up. Coverage rates change a lot, so drivers shouldn't be resistant to switch carriers if a more affordable rate is found. Loyalty to a specific company is fine, but it's not recommended if that faithfulness ends up costing you major coinage every year. Now is a great time to compare rates to find cheaper car insurance in Sumter.