Cheap Auto Insurance Quotes in Spartanburg, SC (September 2022)

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.

Minimum Car Insurance Requirements in South Carolina

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 be available when:

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

The minimum liability insurance requirements for private passenger vehicles in South Carolina^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury
• $50,000 per accident for uninsured/underinsured motorist bodily injury
• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.

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.