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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
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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.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 Direct Auto | $65/mo |
 State Farm | $94/mo |
 Allstate | $98/mo |
 Progressive | $124/mo |
 Nationwide | $139/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $257/mo | |
 Liberty Mutual | $276/mo | |
 Travelers | $151/mo |
South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Spartanburg | $138/mo |
| South Carolina | $138/mo |
Click here to learn about car insurance quotes and save on your current policy.
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:
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
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.
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:
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.
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.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Spartanburg stacks up for the state of South Carolina:
