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Cheap Auto Insurance Quotes in Spartanburg, SC (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Spartanburg is $249 per month, or $2988 annually.
- Car insurance in Spartanburg is $10 less than the average cost of car insurance in South Carolina.
- The cheapest car insurance provider in Spartanburg on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
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 Companies
Direct Auto$65
State Farm$94
Allstate$98
Progressive$124
Nationwide$139
Cheapest Car Insurance in Spartanburg, SC
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Spartanburg | Quotes |
|---|---|
| Direct Auto | $65 /mo |
| State Farm | $94 /mo |
| Allstate | $98 /mo |
| Progressive | $124 /mo |
| Nationwide | $139 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Spartanburg. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $257 /mo |
| Liberty Mutual | 82 | $276 /mo |
| Travelers | 80 | $151 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Spartanburg | $138/mo |
| South Carolina | $138/mo |
North Charleston$125
Charleston$132
Average for SC$138
Spartanburg$138
Mount Pleasant$139
Columbia$154
Click here to learn about car insurance quotes and save on your current policy.
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $514 |
| 20s | $332 |
| 30s | $245 |
| 40s | $263 |
| 50s | $255 |
| 60s | $236 |
| 70s | $219 |
| 80s | $211 |
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $270 |
| Speeding Ticket | $358 |
| At-Fault Accident | $312 |
| Failure to Stop for Red Light / Stop Sign | $312 |
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.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $248 |
| Good | $323 |
| Average | $296 |
| Poor | $280 |
See More: Bad Credit Car Insurance South Carolina
Find local Spartanburg agents
Correll Ins Group
1066 Asheville Hwy,
Spartanburg, SC 29303-2635George Johnson Insurance, Inc.
,
Spartanburg, SC 29302'Carolina''s Choice Insurance Agency LLC '
858 E Main Street,
Spartanburg, SC 29302At Your Service Insurance Inc
230 Forest Hills Road,
Spartanburg, SC 29303The Bright Agency Inc
775 Spartan Blvd Ste 106B,
Spartanburg, SC 29301-1370Law Insurance Agency, Inc.
708 E. Main Street,
Spartanburg, SC 29302AssuredPartners of SC
291 S Pine St,
Spartanburg, SC 29302-2626CWS Ins Agency Inc
435 E. Kennedy Street,
Spartanburg, SC 29302Palmetto Choice Insurance Agency
970 Howard Street,
Spartanburg, SC 29303Select Source Insurance
481 S Pine St,
Spartanburg, SC 29302
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.
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.
FAQs - Spartanburg, SC Car 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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Spartanburg Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Spartanburg, South Carolina below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Spartanburg drivers measure up to their fellow motorists across South Carolina in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Spartanburg
#25
City with the Most Speeding Tickets Rank in South Carolina
#17
City with the Most Moving Violations Rank in South Carolina
#31
City with the Most DUIs Rank in South Carolina
#9
City with the Most Suspended Licenses in South Carolina
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 pay on average 40.08% more than drivers with a clean record
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 pay on average 44.3% more than drivers with a clean record
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 pay on average 38.4% more than drivers with a clean record
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 pay on average 48.95% more than drivers with a clean record.
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%
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 pay on average 900% more than drivers with a clean record
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%
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.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.