Cheap Auto Insurance Quotes in Spartanburg, SC (2021)

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Filled with history and beautiful landscapes, the city of Spartanburg is home to just under 40,000 people. With so few cars on the road and several major highways that crisscross the area, getting around this small part of South Carolina tends to be rather easy. Fortunately, this also makes auto insurance fairly affordable compared to other parts of the country. It should be noted, though, that South Carolina is an at-fault state, so it’s important to enroll in adequate auto coverage should you cause an accident.

Car Insurance in Spartanburg, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Spartanburg, SC to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$65
$94
$98
$124
$139
Direct AutoState FarmAllstateProgressiveNationwide
Monthly $

Cheapest Car Insurance in Spartanburg, SC

Here are the cheapest carriers in Spartanburg for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Spartanburg, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Spartanburg. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$138
$154
$132
$125
$139
$138
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantSpartanburg
Monthly $

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Spartanburg, SC Driving Facts

south-carolina

Minimum Car Insurance Requirements in SC

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Spartanburg Car Insurance Rates by Driver Age

Many drivers in Spartanburg are younger than 30, and while their rates are on the higher side, other residents can enjoy lower prices as they age. If you’re under 20, you can expect to pay $513 a month, although once you leave your teens, your rate will drop down to around $331. As residents in Spartanburg get older, they’ll be charged less and less, with motorists in their 80s enjoying prices as low as $210 on average.

Driving History
No Violation$270
Speeding Ticket$358
At-Fault Accident$312
Failure to Stop for Red Light / Stop Sign$312

Spartanburg Car Insurance Rates by Driving and Accident History

You can expect your premiums to go up if your driving record becomes blemished in Spartanburg, although some situations are more impactful on prices than others. Drivers with a clean history on the road pay an average of $269; however, this price will jump up to $311 after an at-fault accident or a failure-to-stop violation. Speeding is punished the most severely, with rates that can be as high as $357 on average.

Spartanburg Car Insurance Rates by Credit Tier

There doesn’t seem to be much correlation between car insurance rates and one’s credit score in Spartanburg, as prices can vary from person to person. Individuals with poor credit pay an average of $279, while boosting your score to the average category changes prices to $295. Drivers with good credit are often charged $322, but the real savings come with having excellent credit, as rates here tend to average $247.

Spartanburg, SC DMV Information

Spartanburg proper offers residents only two DMV locations to visit; however, they are on opposite sides of the city and easy to access no matter where you live. Since the DMV is open Monday through Friday from 8:30 a.m. to 5 p.m., most drivers find that they don’t have to wait long to be helped. You can visit the South Carolina DMV website to view up-to-date wait times before you visit.

Public Transportation in Spartanburg, SC

Unlike larger cities in the state, Spartanburg doesn’t have many options for public transit. The bus system, SPARTA, provides eight different routes in and around the city, and only a few of them operate on weekends. If you really need to get somewhere quickly and easily, Uber or Lyft is your best bet.

Conclusion: How to get the best and cheapest car insurance in Spartanburg, SC

For many, driving in Spartanburg is a hassle-free experience, making it a great place for new drivers to learn the rules of the road. While it’s always recommended that you allow for enough time to get to your destination, the lack of traffic in Spartanburg makes this facet of travel a little less of a priority. What shouldn’t be forgotten, however, is that carrying adequate car insurance is a must even in this part of the state.

If you’re looking for a new auto policy or simply want to see how yours compares to other options, make sure to check out Insurify. After answering a few simple questions, you’ll be able to compare real-time quotes from multiple insurance companies and discover the best policy for your needs.

Find local Spartanburg agents

Correll Ins Group 
1066 Asheville Hwy, Spartanburg, SC 29303-2635
George Johnson Insurance, Inc. 
, Spartanburg, SC 29302
'Carolina''s Choice Insurance Agency LLC '
858 E Main Street, Spartanburg, SC 29302
At Your Service Insurance Inc 
230 Forest Hills Road, Spartanburg, SC 29303
The Bright Agency Inc 
775 Spartan Blvd Ste 106B, Spartanburg, SC 29301-1370
Law Insurance Agency, Inc. 
708 E. Main Street, Spartanburg, SC 29302
AssuredPartners of SC 
291 S Pine St, Spartanburg, SC 29302-2626
CWS Ins Agency Inc 
435 E. Kennedy Street, Spartanburg, SC 29302
Palmetto Choice Insurance Agency 
970 Howard Street, Spartanburg, SC 29303
Select Source Insurance
481 S Pine St, Spartanburg, SC 29302

Insurify Insights: How Spartanburg Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Spartanburg, SC
suspended licenses
#14
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Spartanburg drivers measure up to their fellow South Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Spartanburg

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Spartanburg drivers rank 3 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #3
  • Percent of drivers in Spartanburg with an accident: 16.3%
  • Drivers in Spartanburg, SC with an accident in their driving history paid on average 40.08% more than drivers with a clean record

Speeding Spartanburg

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Spartanburg drivers rank 25 in the number of speeding infractions per driver.

  • Rank within state: #25
  • Percent of drivers in Spartanburg with a speeding ticket: 14.66%
  • Drivers in Spartanburg, SC with a speeding ticket in their driving history paid on average 44.3% more than drivers with a clean record

DUI/DWIs Spartanburg

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Spartanburg drivers rank 31 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #31
  • Percent of drivers in Spartanburg with a DUI: 1.38%
  • Drivers in Spartanburg, SC with a DUI in their driving history paid on average 38.4% more than drivers with a clean record

Rude Spartanburg

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Spartanburg drivers rank 17 in rude driving infractions.

  • Rank within state: #17
  • Percent of drivers in Spartanburg with a reckless driving violation: 1.69%
  • Drivers in Spartanburg, SC with a reckless driving violation in their driving history paid on average 48.95% more than drivers with a clean record.

Safest Drivers Spartanburg

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Spartanburg drivers rank 28 in clean driving records across all cities in South Carolina.

  • Rank within state: #28
  • Percent of drivers in Spartanburg with clean record: 73.58%

Failure to Yield the Right of Way Spartanburg

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Spartanburg drivers rank 7 in failure to yield violations per driver across all cities in South Carolina.

  • Rank within state: #7
  • Percent of drivers in Spartanburg with a failure to yield violation: 0.74%
  • Drivers in Spartanburg, SC with a failure to yield violation in their driving history paid on average 900% more than drivers with a clean record

Reckless Drivers Spartanburg

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Spartanburg drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Spartanburg with a reckless driving offense: 0.32%

Most Popular Vehicle Spartanburg

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Spartanburg is the Honda Accord.


FAQs - Spartanburg, SC Car Insurance

What happens if I drive in Spartanburg without insurance?

If you’re driving a vehicle you do not own, you’ll be subject to a 30-day license suspension and a $100 reinstatement fee. Operating your own vehicle without insurance is far more expensive, as you must pay a $550 fee and then pay SR-22 insurance rates for the next three years.

How much is auto insurance in Spartanburg?

Drivers in South Carolina tend to pay less than the national average for auto insurance, although individual policy rates will vary based on your driving history and the level of coverage needed.

Where can I enroll in auto coverage in South Carolina?

A popular option in Spartanburg is to work with a local insurance agent, as there are dozens in this small city. If you’d rather enroll in coverage on your own, visit Insurify to compare quotes for free before you make a purchase.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.