Cheapest Auto Insurance in Spartanburg, South Carolina (2026)

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 $159 per month in Spartanburg. This is higher than the national monthly average of $99.

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.

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	9.1	$108	$70	Military members and their families
State Farm	9.3	$120	$77	Low rates
Auto-Owners	8.2	$116	$75	Liability coverage

Disclaimer: Table data sourced from real-time Spartanburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spartanburg may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 military members and their families: USAA

military members and their families

Compare Quotes

User Reviews	4.9 1,496 reviews
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.	$104/mo

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Driver Reviews

4.9

Best choice in Spartanburg, SCBased on 3,204 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Members of the military community

Outstanding customer service

Competitive rates

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Members of the military community

Outstanding customer service

Competitive rates

Showing 17 South Carolina reviews for Spartanburg drivers - See all 1,496 USAA reviews

Napoleon

Verified Review

USAA Praise Review

Reviewed in South Carolina on February 28, 2026

I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.

Paul

Verified Review

Great claims handling

Reviewed in South Carolina on February 20, 2026

Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.

James

Verified Review

USAA OK!

Reviewed in South Carolina on January 14, 2026

USAA treats members fairly and respectfully.

Lewis

Verified Review

Watch your rates, they will double them for no reason.

Reviewed in South Carolina on January 13, 2026

Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.

Kelly

Verified Review

USAA has dropped off

Reviewed in South Carolina on January 13, 2026

USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.

Chris

Verified Review

USS-No way

Reviewed in South Carolina on December 14, 2025

Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.

Fred

Verified Review

USAA lied about coverage

Reviewed in South Carolina on November 1, 2025

I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!

Edward

Verified Review

USAA

Reviewed in South Carolina on October 27, 2025

It's too high.

Sandra

Verified Review

Not happy with Policy costs, Auto, Renters, Umbrella

Reviewed in South Carolina on October 25, 2025

I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.

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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

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.

Pros

• Policies available in every state

• Full-service banking and insurance

Cons

• 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

low rates

Compare Quotes

User Reviews	4.0 7,236 reviews
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.	$74/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.	$115/mo

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Driver Reviews

4.0

Best choice in Spartanburg, SCBased on 16,138 verified driver reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Customer service

Competitive rates

Discounts for safe drivers

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.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Customer service

Competitive rates

Discounts for safe drivers

Showing 44 South Carolina reviews for Spartanburg drivers - See all 7,236 State Farm reviews

Freddie

Verified Review

I think I can beat their price.

Reviewed in South Carolina on March 16, 2026

Customer service is excellent. I think their price is high.

Gary

Verified Review

They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.

Reviewed in South Carolina on March 5, 2026

They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.

Robert

Verified Review

Average

Reviewed in South Carolina on February 28, 2026

They consistently increase rates.

Sheila

Verified Review

State Farm Insurance Not Worth the Cost

Reviewed in South Carolina on February 26, 2026

Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.

Barbara

Verified Review

Totally Disappointed

Reviewed in South Carolina on February 21, 2026

Just be aware that if you have claims beyond your control, they will non-renew your policy.

Shirley

Verified Review

I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.

Reviewed in South Carolina on February 16, 2026

I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.

Rocky

Verified Review

No Notice

Reviewed in South Carolina on February 12, 2026

After 40 years without a glitch, no contact was made to us when we were late on one item out of three in our bundle. This happened a few months after State Farm made their first claim payout in decades. The amount was well under the repair cost. For being late, our coverage was increased by $132 every 6 months. Now they told us they never call anymore if a payment is late. Not the insurance company to retire with.

Barbara

Verified Review

Totally disappointed in State Farm

Reviewed in South Carolina on February 11, 2026

State Farm was doing okay until we had two claims in two months. Someone ran into our truck, and then one of those concrete stop things in the parking space at Golden Corral proceeded to rip the protective barrier from underneath my car. Now State Farm has decided they’re going to non-renew us, and we’re having trouble finding insurance that we can afford. These were circumstances beyond our control. We totally regret ever insuring with State Farm and will never do it again.

Michael

Verified Review

Switch to Geico and Save

Reviewed in South Carolina on February 9, 2026

I canceled my policy and switched to Geico, getting a rate that was one-third of the cost compared to State Farm's higher prices.

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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

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.

Pros

• Nation’s largest insurer based on the number of policies written

• Above-average J.D. Power customer satisfaction scores

Cons

• Gap insurance not available

• Not as many discounts as some other insurers

Best insurer for liability coverage: Auto-Owners

liability coverage

Compare Quotes

User Reviews	4.3 146 reviews
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.	8.2 /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.	$72/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.	$112/mo

Show Details

Driver Reviews

4.3

Best choice in Spartanburg, SCBased on 317 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Spartanburg for

Cheap rates

Senior drivers

Ample discounts

Showing 4 South Carolina reviews for Spartanburg drivers - See all 146 Auto-Owners reviews

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Mike

Verified Review

Solid car insurance company

Reviewed in South Carolina on December 22, 2025

They're very easy to talk to and will walk you through anything you need.

Michael

Verified Review

Best Kept Secret!

Reviewed in South Carolina on September 22, 2025

Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.

Wilmer

Verified Review

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Reviewed in South Carolina on April 12, 2025

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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

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.

Pros

• Various discounts

• Gap insurance and new-car replacement available

Cons

• 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.

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Liability rates in Spartanburg start at $66 per month

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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 $159 per month. Here, you can see average rates offered by the area’s top insurers.

The below rates in Spartanburg, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$66
Auto-Owners	$72
State Farm	$74
GEICO	$107
Nationwide	$109
Allstate	$116
Progressive	$121
Travelers	$124
Safeco	$133
National General	$149
State Auto	$150
Root	$151
Dairyland	$164
Direct Auto	$167
GAINSCO	$182
The General	$182
AssuranceAmerica	$195
Liberty Mutual	$199
Bristol West	$235

Disclaimer: Table data sourced from real-time Spartanburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spartanburg may vary based on the policy buyer's unique driver profile.

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 $216 per month. The following insurance companies offer the best rates for full coverage.

The below rates in Spartanburg, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
USAA	$104
Auto-Owners	$112
State Farm	$115
GEICO	$151
Nationwide	$169
Safeco	$171
Allstate	$179
Progressive	$182
Travelers	$193
Direct Auto	$221
Root	$221
National General	$222
State Auto	$233
AssuranceAmerica	$279
Liberty Mutual	$284
The General	$331
GAINSCO	$339
Dairyland	$356
Bristol West	$395

Disclaimer: Table data sourced from real-time Spartanburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spartanburg may vary based on the policy buyer's unique driver profile.

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.

The below rates in Spartanburg, SC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
USAA	$66	$83	$87	$102
Auto-Owners	$72	$92	$93	$111
State Farm	$74	$92	$96	$115
GEICO	$107	$136	$136	$164
Nationwide	$109	$138	$144	$169
Allstate	$116	$147	$152	$180
Progressive	$121	$144	$154	$195
Travelers	$124	$157	$164	$192
Safeco	$133	$171	$183	$218
National General	$149	$181	$194	$231
State Auto	$150	$195	$201	$218
Root	$151	$196	$198	$234
Dairyland	$164	$200	$213	$254
Direct Auto	$167	$203	$223	$259
GAINSCO	$182	$211	$228	$282
The General	$182	$237	$246	$282
AssuranceAmerica	$195	$242	$254	$302
Liberty Mutual	$199	$247	$259	$308
Bristol West	$235	$288	$303	$364

Disclaimer: Table data sourced from real-time Spartanburg car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Spartanburg may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age affects how much you pay for auto insurance. Teen drivers typically pay the highest rates due to their relative inexperience. But as you age, your coverage costs begin to decrease. This is true through retirement before rates increase again around age 70 due to potential health-related concerns.

Here, you can see how much each age group pays for insurance coverage in Spartanburg.

Age	Average Monthly Quote
Teens	$428
20s	$287
30s	$219
40s	$201
50s	$183
60s	$183
70s	$194

Disclaimer: Table data is based on real-time Spartanburg 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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Spartanburg car insurance quotes by credit tier

South Carolina allows insurers to consider insurance-based credit scores when determining your rate. This generally means that drivers with excellent credit scores can spend less, while people with poor credit scores pay more for car insurance.

Here are the average rates for coverage in Spartanburg based on credit tiers.

Spartanburg car insurance FAQs