For a 40-year-old driver with a clean record, car insurance in Sumter, SC, averages about $198 a month ($2,377 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 5% over South Carolina’s average of $189 a month. Progressive and Travelers 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 $172 and $176 a month.
Sumter costs a little more to insure than South Carolina as a whole. Our benchmark driver pays about $9 a month more here than the state average, about the same as in Columbia ($196).
Our data covers three Sumter ZIP codes, from about $194 a month in 29154 to $203 in 29153. Military families near Shaw Air Force Base may also be eligible for USAA, which sells only to military families.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Sumter 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 Sumter, SC, costs about $198 a month ($2,377 a year) for full coverage and $73 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 5% higher.
Progressive and Travelers are effectively tied for the lowest full-coverage average among the five insurers in our Sumter 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, GEICO and Progressive are effectively tied for the lowest average among these five insurers, at about $59 and $60 a month.
Full-coverage averages by insurer in Sumter
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): |
|---|---|---|---|---|
| Progressive | $715 | $60 | $2,061 | $172 |
| Travelers | $871 | $73 | $2,109 | $176 |
| GEICO | $710 | $59 | $2,173 | $181 |
| State Farm | $1,059 | $88 | $2,477 | $206 |
| Allstate | $1,020 | $85 | $3,063 | $255 |
| American National* | $426 | $36 | $1,053 | $88 |
| USAA (military families)* | $457 | $38 | $1,514 | $126 |
| Auto-Owners* | $658 | $55 | $1,633 | $136 |
| South Carolina Farm Bureau* | $662 | $55 | $1,757 | $146 |
| Sumter average | $875 | $73 | $2,377 | $198 |
This table uses Sumter 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 Sumter ZIP codes we price, full coverage for our driver ranges from about $194 a month in 29154 to $203 in 29153, a gap of $103 a year.
Lowest-priced Sumter ZIP code
Highest-priced Sumter ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Sumter’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: |
|---|---|---|---|---|---|
| 29150 | $885 | $74 | $2,366 | $197 | -1% |
| 29153 | $879 | $73 | $2,434 | $203 | +3% |
| 29154 | $861 | $72 | $2,331 | $194 | -2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $200 a year on average in our Sumter data, with the same $500 deductibles. That’s about $17 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 Sumter ZIP codes, full coverage averaged $2,473 a year nine months earlier and $2,377 in rates as of Aug. 31, 2026, a 3.9% drop. State Farm cut its Sumter average 16.2%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%, led by State Farm, which cut its liability-only average 9.3%.
Sumter County averages $2,372 a year for full coverage in our data, a little above the state average. Nearby towns are priced close to Sumter: Dalzell averages about $197 a month, Manning $200 and Bishopville $202. Rates vary within South Carolina because insurers use rating territories approved by the South Carolina Department of Insurance.
Progressive and Travelers are effectively tied for the lowest full-coverage average among these five insurers here, at about $172 and $176 a month, and GEICO and Progressive are effectively tied for liability-only coverage, at about $59 and $60.
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.
Florence, about 38 miles northeast, averages $199 a month, and Columbia, about 40 miles west, $196. Summerville, about 63 miles south, averages $210. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Sumter 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.
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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 Sumter, SC, costs about $198 a month ($2,377 a year) for full coverage and $73 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 5% above the South Carolina average of $189 a month.
Progressive and Travelers are effectively tied for the lowest full-coverage average among the five major insurers we compared in Sumter, at about $172 and $176 a month. GEICO’s average is next, at $181. American National*, which we price from published rate studies, comes in lower, at about $88 a month. For liability-only coverage, GEICO and Progressive 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.
About the same, for our benchmark driver. Sumter full coverage averages about $198 a month and Columbia about $196.
In our data, 29154 has the lowest full-coverage average in Sumter, at about $194 a month, and 29153 the highest, at about $203. The ZIP code table on this page lists all three.
In our Sumter data, full coverage (100/300/100 with $500 deductibles) averages about $198 a month and liability-only coverage at 25/50/25 limits about $73, a difference of about $125 a month ($1,502 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 Sumter 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, Sumter full coverage fell 3.9% over the past nine months, from about $2,473 to $2,377 a year. State Farm cut its Sumter average 16.2%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%.
For our benchmark driver, full coverage in Sumter averages about $198 a month. Nearby, Florence averages about $199, Columbia about $196 and Summerville about $210. Columbia is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
