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Finding the cheapest car insurance quotes in Sunset shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Sunset
The car insurance rate in Sunset is $650 for a six-month policy, which is $106 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $292, making it a popular choice for budget-conscious drivers. Rates in Sunset can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $292 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: South Carolina Farm Bureau
South Carolina Farm Bureau offers auto
insurance rates at $378 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: American National
American National offers auto insurance
rates at $419
for six months, making it
the third cheapest auto insurance company in Sunset.
Sunset Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sunset, SC is American National P&C, offering policies at just $292 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $378.
At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $904 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset drivers find the best deals.
The auto insurance costs in Sunset fall around $292 for six
months.
The cheapest auto insurance company in Sunset is American National.
Teen drivers pay the highest rate in Sunset at $23 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Sunset
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Sunset are given below.
American National provides
the cheapest minimum car insurance
coverage in Sunset. Their Average 6 Month Premium is $128.
State Farm is the most
expensive at $409 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Sunset is American National P&C
at $50 per month and $292
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sunset,
SC
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Sunset, SC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sunset, South Carolina, may be increasing due to several external factors.
South Carolina has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Sunset's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sunset
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Sunset,SC
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Sunset at $31
per
month. At $138 for a six-month premium,
American National offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Sunset.
As young drivers face the highest rates in Sunset, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Sunset,
South Carolina Farm Bureau is
the cheapest car insurance provider. At $384 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Sunset is State Farm, offering
rates of around $3188 for six
months.
Save up to $971/yr on car insurance rates in Sunset.
Car Insurance Rates with An Accident in Sunset
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Sunset, SC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sunset
The cheapest car insurance companies after an at-fault accident in
Sunset include American National
and American National P&C, offering $163
and $210,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1574.
Here is a list of driving violations that can increase your car
insurance rates in Sunset SC. For example, the car
insurance in Sunset
after a DUI increases to $598 for a six
month policy. While the rate increases by $261 for a six-month policy in the case of
a speeding ticket.
Sunset auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1032
$172
One Med/PIP claim
$1032
$175
Not-at-fault accident
$1088
$181
Two Med/PIP claims
$1098
$187
One comp claim
$1103
$184
Two comp claims
$1140
$194
Failure to wear a seat belt
$1180
$197
Child safety restraint
$1206
$205
Driving without lights
$1206
$201
Failure to show documents
$1216
$206
Failure to yield
$1251
$209
Failure to stop at a red light
$1256
$213
Driving too slowly
$1293
$215
Speeding 6 - 10 MPH over limit
$1293
$220
Speeding in school zone
$1293
$215
At-fault accident - less than $1000
$1298
$221
In 65 MPH zone
$1298
$216
Driving with expired registration
$1303
$222
Following too closely
$1303
$217
Illegal turn
$1303
$222
Speeding 11 - 15 MPH over limit
$1303
$217
Wrong way/wrong lane
$1303
$222
Cell phone violation
$1308
$218
Texting while driving
$1308
$223
Improper passing
$1313
$218
Operating a vehicle without permission
$1313
$224
Speeding 16 - 20 MPH over limit
$1313
$218
Speeding 21 - 25 MPH over limit
$1313
$224
Passing school bus
$1333
$222
Open container
$1343
$229
At-fault accident - $1000-$2000
$1482
$247
At-fault accident - greater than $2000
$1482
$252
Refusal to submit to a chemical test
$1609
$268
DUI
$1630
$277
Reckless driving
$1670
$279
Driving with a suspended license
$1675
$285
Racing
$1680
$280
Leaving scene of an accident/hit and run
$1737
$295
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Sunset after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Sunset.
The cheapest car insurance premiums in
Sunset are
offered by American National P&C at $235 for a six-month policy.
However, it can be as
expensive as $200 with companies
like American National.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Sunset are offered by American National P&C
at $210. However,
it can be as expensive as $966
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Sunset after Speeding ticket
Car Insurance Price Trends in Sunset,
South Carolina
Car insurance rates in Sunset have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sunset rose by
$150 in December
compared to $148 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Sunset rose to $50 in December,
compared to $47 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sunset. At $1300 for a
six-month policy, insuring
your car at 29685 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Sunset?
The car insurance in Sunset is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Sunset?
The cheapest car insurance in Sunset
is $50 per month
for full coverage.
How much is car insurance in Sunset for teenagers?
Car insurance for teenagers costs $184 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Sunset?
The average cost of car insurance is $756 for a six-month
policy. It will cost around $109 per month to insure your
car in Sunset.
Is car insurance expensive in Sunset?
Car insurance can be expensive in Sunset if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sunset can be
affordable.
What is the best car insurance in Sunset,
SC?
The best car insurance company in Sunset
SC is
American National P&C, offering $292 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Sunset, SC
Car Insurance Rates by State in the USA (2025 Update)
Sunset Car Insurance
