Cheapest Auto Insurance in Anderson, South Carolina (2024)

USAA offers the cheapest car insurance in Anderson, with minimum-coverage policies as low as $45 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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 June 16, 2024

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Cheapest recent rates near Anderson, South Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Anderson and other South Carolina cities.

*Quotes generated for Insurify users in and around Anderson, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Anderson, SC, is $198 per month, which is more expensive than the national average monthly cost of $160. 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 $146 per month for liability coverage and $250 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
GEICO4.4$101$60Bundling
USAA4.7$85$50Military members and their families
State Farm4.6$94$56Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$90/mo

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

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$77/mo

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

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for discounts: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$84/mo

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

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

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 $45 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 $146 per month, and here are the cheapest car insurance companies in Anderson for this type of coverage.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$45
Auto-Owners$49
State Farm$50
GEICO$54
Safeco$72
Nationwide$74
Allstate$77
Travelers$84
Midvale Home & Auto$96
Progressive$99
State Auto$102
Direct Auto$119
Liberty Mutual$133
Dairyland$140
The General$159
National General$164
AssuranceAmerica$189
Bristol West$190
GAINSCO$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $250 per month. Check out the table below for the most affordable full-coverage car insurance companies in Anderson.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$77
Auto-Owners$82
State Farm$84
GEICO$90
Safeco$120
Nationwide$124
Allstate$131
Travelers$141
State Auto$149
Progressive$158
Midvale Home & Auto$167
Direct Auto$198
AssuranceAmerica$222
Liberty Mutual$239
National General$240
The General$284
Dairyland$307
Bristol West$329
GAINSCO$374
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Anderson, South Carolina

Drivers using Insurify have found quotes as cheap as $42/mo for liability only and $86/mo for full coverage in Anderson and other South Carolina cities.

*Quotes generated for Insurify users in and around Anderson, South Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motoristEqual 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage handles non-collision damages, like fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages in collisions, no matter who’s at fault, whether you hit objects or other vehicles.

  • illustration card https://a.storyblok.com/f/162273/100x100/3220fb55f1/broken-windshield.svg

    Glass coverage

    Glass protection covers windshield and glass damage and sometimes comes with a deductible-free option.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$45$60$62$77
Auto-Owners$49$65$68$84
State Farm$50$66$69$85
GEICO$54$72$75$92
Safeco$72$97$97$123
Nationwide$74$99$103$126
Allstate$77$102$107$132
Travelers$84$113$117$144
Midvale Home & Auto$96$132$140$164
Progressive$99$132$139$169
State Auto$102$147$155$174
Direct Auto$119$160$168$203
Liberty Mutual$133$195$201$227
Dairyland$140$188$194$239
The General$159$214$224$272
National General$164$214$227$280
AssuranceAmerica$189$257$262$323
Bristol West$190$251$259$325
GAINSCO$216$317$289$369
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$476
20s$319
30s$241
40s$223
50s$199
60s$193
70s$206
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $146 per month for liability coverage and $250 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 $45, $49, 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
  2. South Carolina Department of Insurance. "Automobile Insurance."
Jacqueline DeMarco
Jacqueline DeMarco

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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

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