13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance in Anderson, SC, is $198 per month, which is more expensive than the national average monthly cost of $154. 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.
The average cost of car insurance in Anderson is $145 per month for liability coverage and $251 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 | 9.0 | $108 | $61 | Bundling |
USAA | 9.4 | $91 | $52 | Military members and their families |
State Farm | 9.3 | $101 | $57 | Discounts |
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 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. | 9.0 /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. | $54/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. | $95/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
George
November 19, 2024
Service
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
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.
Highly rated mobile app
Plenty of bundling options
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. | 9.4 /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. | $46/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. | $80/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.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
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.
Highest J.D. Power customer satisfaction rating in the Southeast region
Relatively affordable premiums
Restricted membership eligibility
No gap insurance available
Best insurer for discounts: 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. | $50/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.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
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.
Plenty of discounts to qualify for
Above-average J.D. Power customer satisfaction rating in the Southeast region
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.
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 $145 per month, and here are the cheapest car insurance companies in Anderson for this type of coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $46 |
Auto-Owners | $50 |
State Farm | $50 |
GEICO | $54 |
Nationwide | $74 |
Allstate | $79 |
Safeco | $85 |
Travelers | $85 |
Progressive | $91 |
State Auto | $103 |
Direct Auto | $134 |
Dairyland | $144 |
National General | $144 |
Liberty Mutual | $164 |
The General | $168 |
AssuranceAmerica | $196 |
Bristol West | $203 |
GAINSCO | $211 |
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 $251 per month. Check out the table below for the most affordable full-coverage car insurance companies in Anderson.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $80 |
Auto-Owners | $86 |
State Farm | $88 |
GEICO | $95 |
Safeco | $126 |
Nationwide | $131 |
Allstate | $139 |
Progressive | $145 |
Travelers | $149 |
Root | $175 |
State Auto | $180 |
National General | $217 |
Direct Auto | $224 |
AssuranceAmerica | $252 |
Liberty Mutual | $272 |
Dairyland | $304 |
The General | $336 |
Bristol West | $360 |
GAINSCO | $377 |
Cheapest recent rates near Anderson, South Carolina
Recent Anderson, South Carolina car insurance prices for Subaru, KIA, Cadillac , and more.
*Quotes generated for Insurify users in and around Anderson, South Carolina within the last 10 days. Last updated on November 21, 2024. 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 November 21, 2024. 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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
USAA | $46 | $58 | $61 | $75 |
Auto-Owners | $50 | $64 | $67 | $81 |
State Farm | $50 | $63 | $66 | $81 |
GEICO | $54 | $69 | $72 | $87 |
Nationwide | $74 | $95 | $99 | $120 |
Allstate | $79 | $100 | $105 | $128 |
Safeco | $85 | $110 | $112 | $128 |
Travelers | $85 | $109 | $114 | $138 |
Progressive | $91 | $115 | $122 | $147 |
State Auto | $103 | $141 | $149 | $167 |
Direct Auto | $134 | $171 | $183 | $217 |
Dairyland | $144 | $183 | $190 | $233 |
National General | $144 | $184 | $192 | $233 |
Liberty Mutual | $164 | $225 | $233 | $266 |
The General | $168 | $218 | $228 | $272 |
AssuranceAmerica | $196 | $249 | $255 | $318 |
Bristol West | $203 | $260 | $270 | $329 |
GAINSCO | $211 | $289 | $269 | $342 |
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 |
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
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 $145 per month for liability coverage and $251 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 $46, $50, and $50 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.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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.
Related articles
More cities in South Carolina
Sources
- Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
- South Carolina Department of Insurance. "Automobile Insurance."
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in