8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Updated October 30, 2024
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Spartanburg is known for Croft State Park, the Spartanburg Art Museum, and the Hub City Railroad Museum. Unfortunately, it isn’t known for its low car insurance rates. Liability car insurance costs an average of $148 per month in Spartanburg. This is higher than the national monthly average of $104.
Reckless driving and the nation’s highest fatal car crash rate might explain why coverage costs more in South Carolina.[1] But regardless of the average costs, getting a good deal on car insurance in Spartanburg is possible.
Here’s how to compare quotes and get cheap car insurance in Spartanburg.
USAA, Auto-Owners, and State Farm have the cheapest car insurance in Spartanburg.
Spartanburg drivers pay a yearly average of $3,063 for full-coverage car insurance.
You must carry at least 25/50/25 coverage to drive legally in South Carolina.
3 of the cheapest car insurance companies in Spartanburg
Your driving record, ZIP code, age, insurance-based credit score, and more all affect your car insurance rate.[2] As you shop for coverage, consider your budget, vehicle type, and coverage needs to find the best fit.
If you’re looking for cheap car insurance in Spartanburg, consider USAA, State Farm, and Auto-Owners. Car insurance costs can vary dramatically depending on the insurance agency, so it’s essential to compare rates from different companies.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
USAA | 9.4 | $90 | $51 | Military members and their families |
State Farm | 9.3 | $100 | $57 | Low rates |
Auto-Owners | 8.5 | $97 | $55 | Liability coverage |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members and their families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Kent
October 29, 2024
Excellent
Dorothy
October 29, 2024
Significant Increase in Policy Payment
Martin
October 29, 2024
My Opinion
To get insurance through USAA, you must be an active-duty military member, veteran, or an immediate family member of one. South Carolina’s Department of Veterans’ Affairs office is located in Spartanburg, making USAA a solid choice for military veterans in the area.
USAA also consistently earns one of the industry’s highest customer satisfaction ratings, according to J.D. Power.
Policies available in every state
Full-service banking and insurance
Must be active, reserve, or retired military member or family member to qualify
Optional coverages limited to roadside assistance and rental car reimbursement
Best insurer for low rates: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Jannie
October 29, 2024
Good
Marsha
October 29, 2024
Friendly agents!
Linda
October 29, 2024
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
State Farm is a solid pick if you’re looking for the cheapest average car insurance rates in Spartanburg. You can choose from a wide selection of standard and optional coverage, including car rental reimbursement, medical expenses, roadside assistance, and rideshare insurance.
Spartanburg has 25 agents in the area, allowing you plenty of options to find the best fit for you.
Nation’s largest insurer based on the number of policies written
Above-average J.D. Power customer satisfaction scores
Gap insurance not available
Not as many discounts as some other insurers
Best insurer for liability coverage: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Ronald W
October 29, 2024
They Cancelled Our Home Insurance
Martha
October 28, 2024
Good
Lawrence
October 24, 2024
Honest Answers to Questions
Auto-Owners offers exceptionally low rates for liability-only coverage. If you have an older car or rarely drive, Auto-Owners might be a great pick to help you save money. You may also be able to qualify for a low-mileage discount, which can further reduce your rates.
Unlike the other top insurers on this list, Auto-Owners is a regional insurance company. Because of that, coverage is only available in some states. It’s not a dealbreaker for local clients, but it’s something to keep in mind if you plan to move.
Various discounts
Gap insurance and new-car replacement available
Not available in every state
Can’t get a quote online
How to get the cheapest car insurance in Spartanburg
Your location, age, driving record, credit score, and other factors affect your car insurance costs. But even though some of those factors are out of your control, you can still take steps to get a lower rate:
Ask about discounts. Review the discounts each insurer offers before choosing a new policy. Consider discounts for employees in specific career fields, college students, safe drivers, and more. You may also be able to bundle policies for an additional discount.
Increase your deductible. Raise your deductible, and your insurer will often lower your monthly premium, saving you money. Just make sure you don’t set your deductible so high you can’t afford to pay it should you need to file a claim.
Compare quotes. To get the best rate, compare quotes from at least three insurers. Each insurance company offers different pricing based on its underwriting model, so comparing multiple quotes is your best chance to find the best deal.
Cheapest liability-only car insurance in Spartanburg: USAA
Liability-only car insurance meets the state’s minimum-coverage requirements, but it doesn’t cover the cost of your repairs when you cause an accident, hit an object, or sustain other damage to your car. Instead, the policy only covers the cost of injuries and repairs for the other driver.
Liability-only coverage in Spartanburg costs an average of $148 per month. Here, you can see average rates offered by the area’s top insurers.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $45 |
Auto-Owners | $49 |
State Farm | $51 |
GEICO | $54 |
Nationwide | $74 |
Safeco | $76 |
Allstate | $79 |
Travelers | $85 |
Progressive | $99 |
State Auto | $102 |
Midvale Home & Auto | $110 |
Direct Auto | $124 |
Liberty Mutual | $140 |
Dairyland | $142 |
National General | $159 |
The General | $159 |
AssuranceAmerica | $189 |
Bristol West | $196 |
GAINSCO | $217 |
Cheapest full-coverage car insurance in Spartanburg: USAA
Full-coverage car insurance includes liability, comprehensive and collision coverage. If you cause an accident, it covers the cost of repairs for the other driver and you. It also protects you against incidents of vandalism, theft, and severe weather.
A full-coverage insurance policy in Spartanburg costs an average of $255 per month. The following insurance companies offer the best rates for full coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $79 |
Auto-Owners | $85 |
State Farm | $88 |
GEICO | $94 |
Safeco | $125 |
Nationwide | $129 |
Allstate | $137 |
Travelers | $147 |
Progressive | $157 |
State Auto | $162 |
Midvale Home & Auto | $172 |
Direct Auto | $214 |
AssuranceAmerica | $223 |
National General | $234 |
Liberty Mutual | $256 |
The General | $300 |
Dairyland | $311 |
Bristol West | $348 |
GAINSCO | $381 |
Cheapest recent rates near Spartanburg, South Carolina
Recent Spartanburg, South Carolina car insurance prices for Buick, Nissan, Chevrolet , and more.
*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on October 30, 2024
*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on October 30, 2024
Car insurance requirements in South Carolina
The state of South Carolina requires drivers to have minimum liability insurance coverage, which includes bodily injury and property damage liability coverage. Like most states, South Carolina doesn’t require uninsured motorist coverage.
Here, you can see an outline of the minimum-coverage requirements in South Carolina.[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per accident |
You also have the option to add extra coverage that extends beyond the minimum requirement for additional financial protection.
Here are a few optional coverages you may consider:
Comprehensive coverage
Comprehensive insurance covers the cost of repairs for damage caused by severe weather, vandalism, or theft. It’s part of full coverage.
Collision coverage
If you hit another car or object, collision insurance helps pay for your vehicle’s repairs.
Roadside assistance coverage
Roadside assistance coverage ensures you can get help if your car breaks down, needs a new tire, or has a broken battery.
Rental car reimbursement coverage
When your car is in the shop due to a claim, rental car reimbursement coverage pays for a rental car to drive.
Cheapest car insurance for drivers with an incident
Driving incidents — including at-fault car accidents, speeding tickets, or driving under the influence (DUI) violations — can cause insurers to see you as a greater risk. And they’ll increase your rates accordingly.
The table below shows how different incident types can affect your rates in Spartanburg.
Insurance Company ▲▼ | Clean Driving Record |
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