Cheapest Auto Insurance in Anderson, South Carolina (2026)
USAA offers the cheapest car insurance in Anderson, with minimum-coverage policies as low as $66 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
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Courtney MikulskiSenior Editor, Auto
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
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Updated
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The average cost of car insurance in Anderson, SC, is $187 per month, which is more expensive than the national average monthly cost of $142. Auto insurance premium prices vary based on many different factors and can differ even among ZIP codes. For example, severe weather in South Carolina, like tropical storms and hurricanes, can lead to increased car insurance claims and higher premium prices.
Furthermore, a series of vehicle break-ins in Anderson County during early 2023 could contribute to more expensive car insurance costs for the entire area. Here are some tips for finding cheap car insurance in Anderson, South Carolina, and what affects your auto insurance rates.
Quick Facts
The average cost of car insurance in Anderson is $140 per month for liability coverage and $234 per month for full coverage.
Anderson drivers with poor credit pay nearly double what drivers with excellent credit pay for car insurance, on average.
Car insurance companies in South Carolina can use your credit history as a factor when setting your rates.[1]
Cheapest car insurance companies in Anderson
When shopping for car insurance, you don’t want to focus solely on price. You should also take into account which car insurance company can provide you with the right type of coverage, the best customer experience, an easy-to-navigate website, and the features that suit your specific needs.
Here are some of the best and cheapest car insurance companies in Anderson to start your search.
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 |
|---|---|---|---|---|
| GEICO | 9.2 | $167 | $110 | Bundling |
| USAA | 9.1 | $119 | $73 | Military members and their families |
| State Farm | 9.3 | $132 | $80 | Discounts |
Disclaimer: Table data sourced from real-time Anderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anderson may vary based on the policy buyer's unique driver profile.
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 55,000 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 bundling: GEICO
| 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. | 9.2 /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. | $100/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. | $151/mo |
4.0
Best choice in Anderson, SCBased on 20,133 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Anderson for
Showing 28 South Carolina reviews for Anderson driversSee all 8,065 GEICO reviews
Verified Purchase
Reviewed in South Carolina on August 4, 2026
Love it—thank you for working with me.
Verified Purchase
Reviewed in South Carolina on August 2, 2026
I've already told friends and family to try GEICO.
Verified Review
Reviewed in South Carolina on July 8, 2026
My agent was extremely patient and knowledgeable. He took the time to answer all my questions and explain my various options. At the end of the day, I had great coverage at a lower price than other companies I explored. GEICO Rocks!!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
In recent years, the cost of living in South Carolina has increased, which puts pressure on drivers’ wallets. One effective way to save money on insurance is to bundle your renters or homeowners insurance with your car insurance — which can help you save on both policies. GEICO offers plenty of bundling opportunities, allowing you to pair your auto insurance policy with insurance for condos, renters, homeowners, or mobile homes.
Pros
Highly rated mobile app
Plenty of bundling options
Cons
Gap insurance not available
Below-average J.D. Power customer satisfaction rating in the Southeast region
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. | 9.1 /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. | $66/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. | $108/mo |
4.9
Best choice in Anderson, SCBased on 4,169 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Anderson for
Showing 17 South Carolina reviews for Anderson driversSee all 1,652 USAA reviews
Verified Review
Reviewed in South Carolina on August 3, 2026
It seems like the premiums go up quite a bit each year, whether you have an accident or not.
Verified Review
Reviewed in South Carolina on July 20, 2026
If you have a spouse who is not in the military or a military dependent, they have to prove who they are. This requires sending in a driver’s license and scanning their face because they won’t have a profile.
Verified Review
Reviewed in South Carolina on July 13, 2026
Excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
More than 5% of Anderson’s population are veterans, indicating a substantial number of residents and their families are eligible for USAA auto insurance. Tailored specifically for military families, USAA offers not only affordable rates but also specialized features and procedures that cater to people with military connections. For instance, USAA provides discounts for storing your car on base during deployments, making it an ideal choice for people in the military.
Pros
Highest J.D. Power customer satisfaction rating in the Southeast region
Relatively affordable premiums
Cons
Restricted membership eligibility
No gap insurance available
Best insurer for discounts: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | $73/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. | $119/mo |
4.1
Best choice in Anderson, SCBased on 20,441 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Anderson for
Showing 46 South Carolina reviews for Anderson driversSee all 7,975 State Farm reviews
Verified Review
Reviewed in South Carolina on July 22, 2026
My experience was pretty good.
Verified Review
Reviewed in South Carolina on July 17, 2026
Expensive.
Verified Review
Reviewed in South Carolina on July 3, 2026
Way too expensive, slow to respond.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
With insurance rates rising across the country, it’s important to reduce monthly costs when possible. State Farm can help free up some room in customer budgets by providing some of the most competitive auto insurance premiums in the area. Drivers can also benefit from various discounts, including those for good grades, defensive driving training, and installing safety devices in their cars.
Pros
Plenty of discounts to qualify for
Above-average J.D. Power customer satisfaction rating in the Southeast region
Cons
Can’t purchase a policy online
Gap insurance not available
How to get the cheapest car insurance in Anderson
Getting cheap car insurance is more than just purchasing the first low rate you see online. Here are some ways you can reduce your car insurance costs:
Look for discounts. Most auto insurers advertise discounts that drivers can qualify for. You can usually find discounts for safe driving, having safety features on your vehicle, signing up for automatic payments and paperless billing, and more. Try to stack as many discounts as you can to reduce your car insurance costs.
Bundle policies. Car insurance companies also offer bundling discounts to customers who buy more than one insurance product with them. If you buy your auto insurance and home, renters, or life insurance with one company, you may save on both policies.
Increase your credit score. Insurance companies can use your credit information when determining car insurance rates. Pull your credit report, review it for inaccuracies to correct, and work to increase it, if needed. Make on-time payments for your accounts and use less than 30% of your available credit to improve your score.
Compare quotes. Get quotes online from at least three different car insurance companies at the same coverage level to find the one that offers you the lowest rates. You can also use an online quote-comparison tool to gather quotes on one site and compare them side by side.
Find Cheap Car Insurance in Anderson, SC
Liability rates start at $66 per month
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Cheapest liability-only car insurance in Anderson: USAA
Having liability car insurance is mandatory in nearly every state, including South Carolina. This type of policy covers injuries and property damage in accidents you cause. However, it doesn’t extend to your vehicle repairs or your own medical expenses. Since liability coverage has such limited protection, it’s usually a cheap, affordable option.
The average cost of liability-only car insurance in Anderson is $140 per month, and here are the cheapest car insurance companies in Anderson for this type of coverage.
The below rates in Anderson, SC, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Auto-Owners | $71 |
| State Farm | $73 |
| GEICO | $100 |
| Allstate | $113 |
| Progressive | $115 |
| Travelers | $122 |
| Safeco | $129 |
| Direct Auto | $145 |
| State Auto | $147 |
| National General | $148 |
| Root | $154 |
| GAINSCO | $165 |
| Dairyland | $166 |
| Liberty Mutual | $172 |
| The General | $172 |
| AssuranceAmerica | $173 |
| First Acceptance | $193 |
| Hugo | $209 |
| Bristol West | $243 |
Disclaimer: Table data sourced from real-time Anderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anderson may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Anderson: USAA
Liability-only and full-coverage car insurance differ in what they cover. Liability pays for damages to others when you’re at fault, while full coverage protects your own vehicle too, including after theft and accidents. If you have a new or expensive car, full coverage is a good idea, and if you’re financing your car, your lender may require it.
The average cost of full-coverage car insurance in Anderson is $234 per month. Check out the table below for the most affordable full-coverage car insurance companies in Anderson.
The below rates in Anderson, SC, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $108 |
| Auto-Owners | $115 |
| State Farm | $119 |
| GEICO | $151 |
| Safeco | $166 |
| Progressive | $177 |
| Allstate | $185 |
| Travelers | $199 |
| Direct Auto | $224 |
| National General | $224 |
| Root | $231 |
| State Auto | $242 |
| AssuranceAmerica | $244 |
| Liberty Mutual | $281 |
| GAINSCO | $306 |
| First Acceptance | $307 |
| Dairyland | $325 |
| The General | $361 |
| Bristol West | $410 |
Disclaimer: Table data sourced from real-time Anderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anderson may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Anderson, South Carolina drivers
Recent Anderson, South Carolina car insurance prices for Honda, Nissan, Chevrolet, and more.
*Quotes generated for Insurify users in and around Anderson, South Carolina within the last 10 days. Last updated on August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Anderson, South Carolina within the last 10 days. Last updated on August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
In the state of South Carolina, drivers must hold both a liability car insurance policy and uninsured motorist coverage. Their auto insurance policies must meet these minimum coverage requirements:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | Equal to liability coverage |
While you have to meet the state’s minimum coverage requirements, you can choose to enhance your auto insurance with these additional options:
Comprehensive coverage
Comprehensive coverage handles non-collision damages, like fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
Collision coverage pays for damages in collisions, no matter who’s at fault, whether you hit objects or other vehicles.
Glass coverage
Glass protection covers windshield and glass damage and sometimes comes with a deductible-free option.
Gap coverage
If you financed or leased your vehicle, gap insurance covers the difference between your auto loan balance and the insurance payout in the event of a total loss.
Cheapest car insurance for drivers with an incident
When you have incidents on your driving record, you may find it challenging to secure the cheapest car insurance in Anderson. Speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, and other moving violations can all lead to increased rates. This is because auto insurance companies view drivers with these incidents on their records as more likely to file future claims than drivers with clean records.
The table below shows how different driving infractions can affect average car insurance rates in Anderson, South Carolina.
The below rates in Anderson, SC, are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $66 | $83 | $88 | $87 |
| Auto-Owners | $71 | $90 | $93 | $90 |
| State Farm | $73 | $91 | $96 | $97 |
| GEICO | $100 | $129 | $131 | $133 |
| Allstate | $113 | $136 | $145 | $138 |
| Progressive | $115 | $139 | $148 | $140 |
| Travelers | $122 | $155 | $163 | $161 |
| Safeco | $129 | $166 | $177 | $189 |
| Direct Auto | $145 | $179 | $195 | $192 |
| Root | $154 | $180 | $191 | $204 |
| National General | $148 | $181 | $194 | $196 |
| State Auto | $147 | $191 | $199 | $187 |
| GAINSCO | $165 | $194 | $208 | $218 |
| Dairyland | $166 | $202 | $216 | $220 |
| Liberty Mutual | $172 | $215 | $226 | $228 |
| AssuranceAmerica | $173 | $217 | $227 | $229 |
| The General | $172 | $227 | $234 | $222 |
| First Acceptance | $193 | $232 | $248 | $236 |
| Hugo | $209 | $252 | $269 | $255 |
| Bristol West | $243 | $301 | $318 | $322 |
Disclaimer: Table data sourced from real-time Anderson car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anderson may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Teenagers and young drivers often pay steep car insurance premiums because of their lack of experience and maturity — which can result in more frequent claims. However, car insurance rates tend to decrease around age 35 as drivers gain more experience behind the wheel. But around age 70, rates can rise again since seniors’ driving capabilities decline due to vision issues and slower reaction times.
Refer to the table below to see how car insurance quotes can vary with age in Anderson.
Age | Average Monthly Quote |
|---|---|
| Teens | $476 |
| 20s | $319 |
| 30s | $241 |
| 40s | $223 |
| 50s | $199 |
| 60s | $193 |
| 70s | $206 |
Disclaimer: Table data is based on real-time Anderson quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Anderson car insurance quotes by credit tier
While not legal in all states, in South Carolina, car insurance companies can take drivers’ credit history into consideration when determining car insurance premiums.[1] Insurers believe that poor credit means a driver is more likely to file insurance claims. As a result, drivers with excellent or good credit tend to pay less for car insurance.
Here are Anderson full-coverage car insurance quotes based on credit score.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $234 |
| Good | $260 |
| Fair | $286 |
| Poor | $416 |
Anderson car insurance FAQs
Learn more about car insurance costs in South Carolina, and check out the answers to frequently asked questions about auto coverage in Anderson below.
How much is car insurance in Anderson?
The average cost of car insurance in Anderson is $140 per month for liability coverage and $234 per month for full coverage.
Who has the cheapest car insurance in Anderson?
USAA, Auto-Owners, and State Farm are the cheapest auto insurance companies in Anderson, with liability-only rates of $66, $71, and $73 per month, respectively. The best way to find the cheapest car insurance for your situation is to compare quotes from multiple car insurance companies. You can use an online comparison tool to find the insurer that offers the best price for the coverage you need.
What are the best car insurance companies in Anderson?
Some of the best car insurance companies in Anderson that Insurify identified include State Farm, GEICO, and USAA. These auto insurance companies have high scores across the board with AM Best, J.D. Power, and Insurify. But what’s best for one person may not be best for you, so it’s important to research insurance companies to find the one that meets your needs.
Sources
- Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
- South Carolina Department of Insurance. "Automobile Insurance."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Featured in
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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